scholarly journals Die voorspelling van kredietrisiko met behulp van biografiese veranderlikes: Is dit die antwoord?

1983 ◽  
Vol 14 (4) ◽  
pp. 166-171
Author(s):  
P. L.S. Ackermann ◽  
W. P. Jansen van Rensburg

The prediction of credit risk by means of biographic variables: Is this the answer? The objective of this study is to identify specific biographical variables, to quantity them and to investigate their relative importance in the prediction of credit risk. A representative sample of 250 bad credit risk clients and 250 good credit risk clients is used in the study. A multiple stepwise regression analysis and multiple stepwise discriminant analysis were carried out. Nine biographical variables were identified which explain approximately 16% of the variance of credit risk.

Author(s):  
Kai Wang ◽  
Menghan Wang ◽  
Chang Gan ◽  
Mihai Voda

As one of the main factors in any tourist destination, residents’ perception of the impacts of ecological resettlement has a substantial influence on the sustainable development of any world heritage site. Our research takes the residents of three different resettlement locations in the Wulingyuan scenic area, a world heritage site, as the object of our survey. Based on questionnaire investigations in 2010 and 2016, this article analyzes the residents’ diachronic perception of the impacts of ecological resettlement. Independent sample t-tests and Analysis of Variance (ANOVA) are used to compare the differences in residents’ perception toward ecological relocation and analyse how demographic characteristics affect residents’ perception. Multiple stepwise regression analysis is applied to explore the main factors that contribute to the differences in the perception of impacts of ecological resettlement. The results show that during the study period, respondents have the strongest perceptions of the economic, socio-cultural, resource-environment and psychological impacts. However, they have negative perceptions of relocation policy impacts. Compared with 2010, residents with different gender, age, education level, income level and engagement in tourism have significant differences in perception of impacts of resettlement in 2016. Multiple stepwise regression analysis demonstrates that the perceptions of impacts of the ecological resettlement and economic policy are the primary factors to affect residents’ overall perceptions.


1985 ◽  
Vol 111 ◽  
pp. 491-494
Author(s):  
E. Antonello

Calibrations of the uvby, β photometric systems have been made by Crawford (1975, 1978, 1979) for F, B and late A-type stars of luminosity class V-III; the calibration for early A-type stars has been made by Hilditch et al. (1983). One of the remaining areas of the HR diagram to be calibrated is that of the bright giant to supergiant region (luminosity class II-I). We have attempted to obtain a calibration in terms of luminosity for supergiant F-type stars. To this end we have used the statistical method of multiple stepwise regression analysis. Before doing the calibration for supergiants, we show the usefulness of this method by a comparison of the results obtained for dwarf F-type stars with the previous calibration given by Crawford (1975).


Mechanik ◽  
2017 ◽  
Vol 90 (10) ◽  
pp. 858-860
Author(s):  
Józef Zawora ◽  
Rafał Świercz ◽  
Mieczysław Marciniak ◽  
Lucjan Dąbrowski

Mathematical models for longitudinal turning process of the titanium alloy WT3-1 were presented in this paper, both in the exponential and the polynomial form. The experimental design and the multiple stepwise regression analysis were used to develop the mathematical models.


2021 ◽  
Vol 10 (7) ◽  
pp. 1468
Author(s):  
Yusuke Watanabe ◽  
Kazuko Tajiri ◽  
Hiroyuki Nagata ◽  
Masayuki Kojima

Heart failure is one of the leading causes of mortality worldwide. Several predictive risk scores and factors associated with in-hospital mortality have been reported for acute heart failure. However, only a few studies have examined the predictors in elderly patients. This study investigated determinants of in-hospital mortality in elderly patients with acute heart failure, aged 80 years or above, by evaluating the serum sodium, blood urea nitrogen, age and serum albumin, systolic blood pressure and natriuretic peptide levels (SOB-ASAP) score. We reviewed the medical records of 106 consecutive patients retrospectively and classified them into the survivor group (n = 83) and the non-survivor group (n = 23) based on the in-hospital mortality. Patient characteristics at admission and during hospitalization were compared between the two groups. Multivariate stepwise regression analysis was used to evaluate the in-hospital mortality. The SOB-ASAP score was significantly better in the survivor group than in the non-survivor group. Multivariate stepwise regression analysis revealed that a poor SOB-ASAP score, oral phosphodiesterase 3 inhibitor use, and requirement of early intravenous antibiotic administration were associated with in-hospital mortality in very elderly patients with acute heart failure. Severe clinical status might predict outcomes in very elderly patients.


Author(s):  
М. О. Dmitriev

Modern dentistry requires the definition of individualized values of teleroentgenographic indicators. To solve such problems, methods of regression and correlation analysis are increasingly used, which help to establish not only the existence of various relationships between the anatomical structures of the head and the parameters of the dento-jaw system, but also allow more accurately predict the change in the contour of soft facial tissue in response to orthodontic treatment. The purpose of the study is to develop mathematical models for the determination of individual teleroentgenographic characteristics of the facial soft tissues by studying the cephalometric indices of young men and women of Ukraine with normal occlusion and balanced faces and conducting a direct stepwise regression analysis. With the use of Veraviewepocs 3D device, Morita (Japan) from 38 young men (17 to 21 years of age) and 55 young women (aged from 16 to 20 years) with occlusal close to the orthognathic bite and balanced faces received side teleroentgenograms. The cephalometric analysis was performed using OnyxCeph³™ licensed software. Cephalometric points and measurements were made according to the recommendations of Downs W. B., Holdway R. A., McNamara J., Schwarz A. M., Schmuth G. P. F., Steiner C. C. and Tweed C. H. With the help of direct stepwise regression analysis, in the licensed package “Statistica 6.0”, regression models of individual teleroentgenographic characteristics of the profile of soft facial tissues were constructed. In young men with normal occlusion close to the orthognathic bite of 19 possible models, 11 were constructed with a determination coefficient from 0.638 to 0.930, and in young women – 12 models with a determination coefficient from 0.541 to 0.927. The conducted analysis of models showed that in young men most often the regression equations included – angle N_POG, parameters of which indicate a linear interjaw relation in the anterior-posterior direction (14.0%); angle GL_SNPOG, or index of convexity of the soft tissue profile (8.8%); MAX maxillary length (7.0%), and GL_SN_S index, which defines vertical correlations in the facial profile (5.3%). The young women most often models included – the angle N_POG (12.5%); angle GL_SNPOG (7.5%); soft tissue front angle P_OR_N (6.25%); the reference angle ML_NL and the profile angle T (by 5.0%); the angle AB_NPOG, the angle NBA_PTGN, which defines the direction of development of the mandible and the distance PN_A (3.75%). Thus, in the work with the help of the method of stepwise regression with inclusion, among Ukrainians of adolescence age, based on the characteristics of teleroentgenographic indicators, reliable models of individual teleroentgenographic characteristics of the profile of soft facial tissues were developed and analyzed.


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