Abstract: Current banking data management on loan approval processes has great room for improvements of information quality and prevention of data problems in general, but especially with regards to fair lending and fair pricing practices. We first review briefly typical data collection protocols deployed at many financial institutions for loan approval and loan pricing. Portions of these data ...

We consider the problem of fair scheduling in a multi-organizational system in which organizations contribute their own resources to the global pool and the jobs to be processed on the common resources. We consider on-line, nonclairvoyant scheduling of sequential jobs without preemption. To ensure that the organizations are willing to cooperate the scheduling algorithm must be fair. To characte...

Health systems vary widely in performance, and countries with similar levels of income, education and health expenditure differ in their ability to attain key health goals. This paper proposes a framework to advance the understanding of health system performance. A first step is to define the boundaries of the health system, based on the concept of health action. Health action is defined as any...

OBJECTIVE To determine the contribution of specific psychological, social, and mechanical work exposures to the self-reported low level of work ability. METHODS Employees from 48 organizations were surveyed over a 2-year period (n = 3779). Changes in 16 work exposures and 3 work ability measures-the work ability index score, perceived current, and future work ability-were tested with Spearman...

Unfortunately the fair value of a liability that is not actively or efficiently traded is not readily ascertainable through a financial market. This is in contrast to publicly traded assets such as bonds and stocks. However various approaches can be taken to determine estimates of such values based on discounted cash flow (DCF) techniques. Such techniques are also used to determine the fair val...