One of the issues helping make investment decisions is appropriate tools and models to evaluate financial situation 0f the organization.  By means of these tools, investors can analyze financial situation of the organization and identify financial distress or an ideal condition, they become aware of making decisions to invest in appropriate conditions.  The main objective of this study is to ev...

The Gafsa mining basin district in Southwestern Tunisia is one of the most important producers of phosphate in the world. The exploitation of this district started at the beginning of the twentieth century a few years after the first discovery of this valuable resource. The over-exploitation of groundwater to wash the phosphate caused water-level decline in the main aquifers and the corollaries...

The present study proposes a Customer Behavior Mining Framework on the basis of data mining techniques in a telecom company. This framework takes into account the customers’ behavior patterns and predicts the way they may act in the future. Firstly, clustering technique is used to implement portfolio analysis and previous customers are divided based on socio-demographic features using k</em...

Corporate Social Responsibility (CSR) and the social license to operate (SLO) are widespread global phenomena in mining-dependent countries. These self-regulated frameworks used ensure local ownership as a response conflict by mining companies. Over past two decades, CSR industry has only been more prevalent Africa South Africa. Studies on SLO primarily focus community perspectives. This paper ...

Article history: Accepted 10 November 2015 Available online xxxx This paper investigates the role of heterogeneity in the insurance sector. Here, heterogeneity is represented by different types of insurance provided and regions served. Using a balanced panel data set on Brazilian insurance companies as a case study, results corroborate this underlying hypothesis of heterogeneity's impact on per...

The message, stylistic focus, language and readability of financial reports are good indicators of the perspectives and developments of any company. These indicators can guide companies ̓decision makers to more efficient actions in the dynamic business environment. In this paper, we have studied the language and contents of quarterly financial reports using automated linguistic and text mining ...

Mobile companies today offer diversity of user subscription services to their subscribers in order to attract their attention. In order subscribers effectively to use that service they have to choose appropriate subscription service package. Choosing the appropriate subscription service is not always simple decision, using the knowledge discovery process can help customers to make the right cho...

Direct marketing is a process of identifying likely buyers of certain products and promoting the products accordingly. It is increasingly used by banks, insurance companies, and the retail industry. Data mining can provide an eeective tool for direct marketing. During data mining, several speciic problems arise. For example , the class distribution is extremely imbalanced (the response rate is ...