This paper explores the Effect of Asset Diversification, Capital Adequacy Ratio (CAR), Credit Risk, and Liquidity on Efficiency Islamic Commercial Banks in Indonesia with Profitability as Moderating Variable Bank Size Control during 2014-2018 .Based purposive sampling method, 12 banks were selected. study uses multiple linear regression a method data analysis. The results showed that asset dive...

Well-intentioned attempts by the Senate Finance Committee to improve the content and quality of continuing medical education (CME) offerings had the unanticipated consequence of decimating academically oriented history of medicine conferences. New guidelines intended to keep CME courses free of commercial bias from the pharmaceutical industry were worded in a fashion that caused CME officials a...

This study examines a troubling phenomenon occurring recently in several Latin American economies: a marked slowdown in bank credit to the private sector. Based on the study of five countries (Argentina, Bolivia, Colombia, Peru, and Mexico), we first document the magnitude of the problem, asking how severe and prolonged has the slowdown been and how this behavior compare with the past? Second, ...

We present a new approach to understanding credit relationships between commercial banks and quoted firms, and with this approach, examine the temporal change in the structure of the Japanese credit network from 1980 to 2005. At each year, the credit network is regarded as a weighted bipartite graph where edges correspond to the relationships and weights refer to the amounts of loans. Reduction...

This study aims to address a number of the issues which are pertinent to practitioners trying to use published models in day to day risk assessment. Firstly we look at an approach to handling missing data, then at the predictivity of payment behaviour information, which has become available on credit reports in the UK in recent years but has not so far been considered by researchers. Finally we...

This paper investigates the credit scoring accuracy of "ve neural network models: multilayer perceptron, mixture-of-experts, radial basis function, learning vector quantization, and fuzzy adaptive resonance. The neural network credit scoring models are tested using 10-fold crossvalidation with two real world data sets. Results are benchmarked against more traditional methods under consideration...

Recent studies have revealed that emerging modern machine learning techniques are advantageous to statistical models for credit risk evaluation, such as SVM. In this study, we discuss the applications of the support vector machine with mixture of kernel to design a credit evaluation system, which can discriminate good creditors from bad ones. Differing from the standard SVM, the SVM-MK uses the...

This study investigates the moderating effect of firm size in the relationship between corporate governance (board size, board independence and ownership concentration) and banks’ risk-taking (insolvency risk and credit risk). Secondary data (annual reports) was collected from a sample of 21 Malaysian commercial banks covering the 2005–2014 accounting period. An empirical model using pooled ord...

The current study aims to analyze the role of credit risk management in performance commercial banks Erbil. There is a high danger insolvency and financial troubles for because this method loan origination. As shown by levels nonperforming loans, KRG banking system's Commercial Bank Supervision Report found that most failed due poor management. Due level non-performing profitability bank was da...