scholarly journals On Unbalanced Sampling in Bankruptcy Prediction

2019 ◽  
Vol 7 (2) ◽  
pp. 28 ◽  
Author(s):  
Marek Gruszczyński
Keyword(s):  
Final Section ◽  
Bankruptcy Prediction ◽  
Common Error ◽  
Sample Bias ◽  
Sample Composition ◽  
Random Samples ◽  
Unbalanced Sampling ◽  
Extended View ◽  
The Relationship ◽  
Binomial Models

The paper discusses methodological topics of bankruptcy prediction modelling—unbalanced sampling, sample bias, and unbiased predictions of bankruptcy. Bankruptcy models are typically estimated with the use of non-random samples, which creates sample choice biases. We consider two types of unbalanced samples: (a) when bankrupt and non-bankrupt companies enter the sample in unequal numbers; and (b) when sample composition allows for different ratios of bankrupt and non-bankrupt companies than those in the population. An imbalance of type (b), being more general, is examined in several sections of the paper. We offer an extended view of the relationship between the biased and unbiased estimated probabilities of bankruptcy—probability of default (PD). A common error in applications is neglecting the possibility of calibrating the PD obtained from a bankruptcy model to the unbiased PD that is population adjusted. We show that Skogsviks’ formula of 2013 coincides with prior correction known for the logit model. This, together with solutions for other binomial models, serves as practical advice for obtaining the calibration of unbiased PDs from popular bankruptcy models. In the final section, we explore sample bias effects on classification.

A Religion of Reason

2018 ◽  
Author(s):  
Frederick C. Beiser
Keyword(s):  
Final Section ◽  
Philosophy Of Religion ◽  
Concept Of God ◽  
Main Work ◽  
Religion And Ethics ◽  
Religion Of Reason ◽  
The Relationship

This chapter is an examination of Cohen’s main work on the philosophy of religion, his Religion der Vernunft aus den Quellen des Judentums. Cohen’s religion of reason was an attempt to respond to two opposing conceptions of religion: that of the romantics (Schleiermacher, Fries) and that of the Tübingen school (Baur, Strauβ‎). The romantics saw the essence of religion in feeling, the Tübingen school saw it in myth. Cohen tried to rescue the rational content of religion by interpreting it mainly in ethical terms, which he believed to consist in rational imperatives. Cohen’s concept of God is interpreted in terms of the validity of these ethical imperatives and not in terms of the existence of any entity. One section considers Cohen’s re-examination of the relationship between religion and ethics, which now stresses the distinctive characteristics of religion within ethics. The final section criticizes Rosenzweig’s interpretation of Cohen as a proto-existentialist.

scholarly journals Factors Contributing to the Relationship between Driving Mileage and Crash Frequency of Older Drivers

2019 ◽  
Vol 11 (23) ◽  
pp. 6643 ◽  
Author(s):  
Lee ◽  
Guldmann ◽  
Choi
Keyword(s):  
Negative Binomial ◽  
Age Groups ◽  
Urban Environments ◽  
Vehicle Miles Traveled ◽  
Crash Frequency ◽  
Rural Environments ◽  
Lower Likelihood ◽  
Conditional Autoregressive ◽  
The Relationship ◽  
Binomial Models

As a characteristic of senior drivers aged 65 +, the low-mileage bias has been reported in previous studies. While it is thought to be a well-known phenomenon caused by aging, the characteristics of urban environments create more opportunities for crashes. This calls for investigating the low-mileage bias and scrutinizing whether it has the same impact on other age groups, such as young and middle-aged drivers. We use a crash database from the Ohio Department of Public Safety from 2006 to 2011 and adopt a macro approach using Negative Binomial models and Conditional Autoregressive (CAR) models to deal with a spatial autocorrelation issue. Aside from the low-mileage bias issue, we examine the association between the number of crashes and the built environment and socio-economic and demographic factors. We confirm that the number of crashes is associated with vehicle miles traveled, which suggests that more accumulated driving miles result in a lower likelihood of being involved in a crash. This implies that drivers in the low mileage group are involved in crashes more often, regardless of the driver’s age. The results also confirm that more complex urban environments have a higher number of crashes than rural environments.

What the Climber Saw: Strauss's Alpensinfonie and the Romantic Tradition of Nature Representation

2021 ◽  
pp. 1-31
Author(s):  
David Larkin
Keyword(s):  
Nineteenth Century ◽  
Final Section ◽  
Emotional Reactions ◽  
Tone Poem ◽  
Peak Response ◽  
Landscape Features ◽  
Musical Compositions ◽  
The Sublime ◽  
Romantic Era ◽  
The Relationship

Initially criticized for its naïve representation of landscape features, Strauss's Alpensinfonie (1915) has in recent years been reinterpreted by scholars as a deliberate challenge to metaphysics, a late outgrowth of the composer's fascination with Nietzsche. As a consequence, the relationship between Strauss's tone poem and earlier artworks remains underexplored. Strauss in fact relied heavily on long-established tropes of representing mountain scenes, and when this work is situated against a backdrop of similarly themed Romantic paintings, literature, travelogues and musical compositions, many points of resemblance emerge. In this article, I focus on how human responses to mountains are portrayed within artworks. Romantic-era reactions were by no means univocal: mountains elicited overtly religious exhalations, atheistic refutations of all supernatural connections, pantheistic nature-worship, and also artworks which engaged with nature purely in an immanent fashion. Strauss uses a range of strategies to distinguish the climber from the changing scenery he traverses. The ascent in the first half of Eine Alpensinfonie focuses on a virtuoso rendition of landscape in sound, interleaved with suggestions as to the emotional reactions of the protagonist. This immanent perspective on nature would accord well with Strauss's declared atheism. In the climber's response to the sublime experience of the peak, however, I argue that there are marked similarities to the pantheistic divinization of nature such as was espoused by the likes of Goethe, whom Strauss admired enormously. And while Strauss's was an avowedly godless perspective, I will argue in the final section of the article that he casts the climber's post-peak response to the sublime encounter in a parareligious light that again has romantic precedents. There are intimations of romantic transcendence in the latter part of the work, even if these evaporate as the tone poem, and the entire nineteenth-century German instrumental tradition it concludes, fades away into silence.

DIRECTIONAL DIFFUSION OF K ATOMS ON A GaAs(110) SURFACE

2006 ◽  
Vol 05 (06) ◽  
pp. 895-900 ◽  
Author(s):  
NOBUYUKI ISHIDA ◽  
AGUS SUBAGYO ◽  
KAZUHISA SUEOKA
Keyword(s):  
Dipole Moment ◽  
Electric Field ◽  
Radial Direction ◽  
Negative Sample ◽  
Directional Diffusion ◽  
Sample Bias ◽  
Induced Dipole ◽  
High K ◽  
Scanning Area ◽  
The Relationship

We performed STM measurements on the K/GaAs (110) surface with high K coverage. The K atoms gradually disappeared while scanning the tip over the surface at negative sample bias voltage. The phenomenon strongly occurred over the scanning area and can be explained by the field-induced surface diffusion from the scanning area to radial direction. Considering the interaction between the dipole moment of the adsorbed K atoms and the electric field, we discuss the relationship between the static and induced dipole moment of K atoms on a GaAs (110) surface.

An Analysis of e-Governance and Its Impact on the Profitability of MSMEs: A Structural Equation Modelling Approach

2021 ◽  
pp. 231971452110327
Author(s):  
Raksha Prasad Vashist ◽  
Ashish Arya ◽  
Aditya Dhiman
Keyword(s):  
Structural Equation ◽  
Business Performance ◽  
Structural Model ◽  
Survey Method ◽  
Government Officials ◽  
Government Structure ◽  
Top Executives ◽  
Random Samples ◽  
Measure Of Performance ◽  
The Relationship

The article studies e-governance and its impact on the performance of MSMEs in India using a structural model. The model contains three main variables: use of e-governance by the MSMEs, the benefits attained by using e-governance (a mediating variable), and the change in performance due to the use of e-governance and benefits attained. The profitability of the firm is a measure of performance in the study. The study was done in collaboration with PHD Chamber of Commerce and Industry, Dehradun, Uttarakhand, India. The data was collected using the survey method, in which a close-ended questionnaire was circulated to the top executives of MSMEs. Out of 3,126 registered MSMEs (registered during FY 2017–2018), 350 random samples were taken into consideration for this study. A response rate of 83.7% was attained. Statistical techniques such as EFA, CFA and SEM have been used in this study to confirm the model, using SPSS and AMOS software. The model proposed in the study fits well both theoretically and empirically in the Indian context, and clearly shows the significant impact of e-governance use on the business performance of MSMEs. The study also shows that the benefits of e-governance have a partial mediating impact on the relationship between e-governance and the profitability of the business. The structured model presented in the study would be useful for practitioners (government bodies, government officials and e-government practitioners) in making vital decisions while designing an effective e-government structure for enterprises.

scholarly journals Einige Erfahrungen und Gedanken über Hochschuldidaktik an der Massenuniversität / Some remarks and observation on teaching methods at university with mass student attendence

1976 ◽  
Vol 5 (1) ◽  
Author(s):  
Carol Hagemann-White
Keyword(s):  
Teaching Methods ◽  
Final Section ◽  
University Teaching ◽  
Teaching Behavior ◽  
Large Numbers ◽  
University Of Berlin ◽  
Teachers And Students ◽  
Fruitful Cooperation ◽  
The University ◽  
The Relationship

AbstractThe author reports her experience of and observations on the teaching of sociology at the Free University of Berlin. She examines the teaching behavior of the instructors, the relationship between colleagues, and those between teachers and students. Certain tendencies in the practice of teaching are viewed as expressing a form of coping by projection with the failures experienced in trying to reform studies, failures that are in fact caused by the unfavorable real conditions at the university. A tendency to make university teaching more like schooling is observed; reasons for this are found in the effects of pressure towards professional competition, which prevents both fruitful cooperation between instructors and genuine communication with students. The additional difficulties experienced by women in teaching are described. In the final section conclusions are drawn in the form of practical suggestions which take account of the actual possibilities of a university with very large numbers of students.

Interference of anti-streptavidin antibodies in immunoassays: a very rare phenomenon or a more common finding?

2020 ◽  
Vol 58 (10) ◽  
pp. 1673-1680
Author(s):  
Nick Verougstraete ◽  
Mario Berth ◽  
Mario Vaneechoutte ◽  
Joris Delanghe ◽  
Nico Callewaert
Keyword(s):  
Polyacrylamide Gel Electrophoresis ◽  
Sodium Dodecyl ◽  
Thyroid Stimulating Hormone ◽  
Common Finding ◽  
Analytical Interference ◽  
Random Samples ◽  
Sds Page ◽  
Before And After ◽  
Multiple Samples ◽  
The Relationship

AbstractBackgroundAnti-streptavidin antibodies (ASA) may cause analytical interference on certain immunoassay platforms. Streptavidin is purified from the non-pathogenic Streptomyces avidinii soil bacterium. In contrast to interference with biotin, ASA interference is supposed to be much rarer. In-depth studies on this topic are lacking. Therefore, we carried out an analysis toward the prevalence and the possible underlying cause of this interference.MethodsAnti-streptavidin (AS)-immunoglobulin G (IgG) and AS-IgM concentrations were determined on multiple samples from two patients with ASA interference and on 500 random samples. On a subset of 100 samples, thyroid-stimulating hormone (TSH) was measured on a Cobas analyzer before and after performing a neutralization protocol which removes ASA. The relationship between the ratio of TSH after neutralization/TSH before neutralization and the ASA concentration was evaluated. Subsequently, an extract of S. avidinii colonies was analyzed using sodium dodecyl sulfate-polyacrylamide gel electrophoresis (SDS-PAGE) and immunoblotting.ResultsA positive correlation between AS-IgM concentrations and TSH ratio was obtained. Eight samples out of 500 exceeded the calculated AS-IgM cut-off value. In comparison to the AS-IgM concentrations in the population, titers from the two described cases clearly stood out. The isolated cases represent the end of a broader spectrum as there is a continuum of AS-IgM reactivity in the general population. We could not observe any differences in the immunoblot patterns between the cases and controls, which may indicate the general presence of ASA in the population.ConclusionsInterference due to ASA is more prevalent than initially thought and is caused by IgM antibodies.

The R2P, Protection of Civilians, and UN Peacekeeping Operations

2016 ◽  
Author(s):  
Paul D. Williams
Keyword(s):  
Final Section ◽  
Responsibility To Protect ◽  
Specific Reference ◽  
Peacekeeping Operations ◽  
Un Peacekeeping ◽  
Coupling Strategy ◽  
Key Policy ◽  
Policy Challenge ◽  
Similarities And Differences ◽  
The Relationship

This chapter analyses the relationship between the two related concepts of the responsibility to protect (R2P) and the protection of civilians (POC) with particular emphasis on how their relationship has played out in the context of United Nations peacekeeping operations. It begins by providing an overview of the main similarities and differences between R2P and POC before moving on to examine various attempts to link the two concepts with specific reference to their application within UN peacekeeping operations. The final section analyses some of the main criticisms levelled against their linkage. The chapter concludes that a de-coupling strategy is unlikely to succeed, in part because POC can never be made completely apolitical and uncontroversial. As UN peacekeepers are called upon to operationalize both the R2P and POC agendas, a key policy challenge will be ensuring that the relationship between the two does not become counter-productive.

How to create a crisis

2000 ◽  
Vol 129-130 ◽  
pp. 169-190 ◽  
Author(s):  
Asha Tickoo
Keyword(s):  
Hong Kong ◽  
Final Section ◽  
Random Samples ◽  
Narrative Prose ◽  
Effective Development ◽  
Esl Learners

In this paper, I will examine esl learner attempts at a key component of narrative prose, its complication. The complication is the defining component of the four-part schematic structure of narrative (Labov 1981, labov & Waletzky 1967), because it introduces the crisis of the story. This is the most impassioned phase of the narrative and therefore one expects (following Labov) that the narrator is the least disposed to strive to uphold prestige norms, and adopted rules. It is ironical, then, that what is acknowledged to be effective development of the narrative crisis is highly convention-bound prose. I will describe the basic textual - semantic, informational, organisational and representational - conventions that govern the development of the narrative crisis. I will then take random samples from a body of 35 student narratives, written by Cantonese-speaking esl learners at a Hong Kong university, to illustrate the difficulties these learners face in conforming to these conventions. In a final section, I will discuss the pedagogical implications of this study.

Part 1 Constitutionalism and Islam: Conceptual Issues, 1.1 Constitutionalism in Islamic Countries: A Contemporary Perspective of Islamic Law

2012 ◽  
Author(s):  
Kamali Mohammad Hashim
Keyword(s):  
Constitutional Law ◽  
Final Section ◽  
Islamic Law ◽  
General Characterization ◽  
The Third ◽  
Islamic Countries ◽  
Contemporary Perspective ◽  
Islam And Secularism ◽  
The Relationship

This chapter begins with a brief characterization of Islamic constitutional law and its underdeveloped status as compared with other branches of Islamic law. It then highlights salient differences between the Islamic and Western approaches to constitutional law and briefly discusses Islam and secularism. The next section provides a general characterization of the Islamic system of rule under four sub-headings. The first of these defines government in Islam as a trust (amānah); the second describes it as a limited and thus non-totalitarian government; the third addresses the Islamic system of rule as a qualified democracy; and the last characterizes it as a civilian not a theocratic system of government. The final section summarizes the main results of the preceding analysis and offers some tentative conclusions on the relationship between Islamic government and democratic constitutionalism.

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