Credit models are useful to evaluate the risk of consumer loans. The application of the technique with greater precision of a prediction model will provide financial returns to the institution. In this study a sample set of applicants from a large Brazilian financial institution was focused on in order to develop three models each one based on one of the alternative techniques: Logistic Regress...

The following is the research question for this study. Are students’ learning styles based on the visual, auditory, tactile model correlated to satisfaction of course format in an online undergraduate course? The participants of this study were students enrolled in three sections of the Contemporary Worldviews course at a private higher education institution (HEI). Learning styles were determin...

The Batur Temple (Pura Ulun Danu Batur) in Kintamani is located at the geographic apex of a so-called ritual water hierarchy and has conventionally been described as a purely religious institution responsible for the coordination and distribution of the irrigation water. However, an analysis of historical palm leaf manuscripts reveals that the temple had a firm economic base with corresponding ...

âuthorship which is important to the grant support, academic promotion and reputation of the scientists and their institution should be determined by how genuinely they contribute to each article. the ïnternational çommittee of medical journal ëditors (ïçmjë) has recommended that authorship credit should be based on substantial contributions to conception and design, acquisition of data, or ana...

The notion of artificial institution is crucial for the specification of open and dynamic interaction frameworks where heterogeneous and autonomous agents can interact to face problems in various fields. In our view the specification of artificial institutions requires a clear standard definition of some basic concepts: the notion of ontology, authorizations, conventions, and the normative comp...