Credit risk transition probabilities between aggregate portfolio classes constitute a very useful tool when individual transition data are not available. Jones (2005) estimates Markovian Credit Transition Matrices using an adjusted least squares method. Given the arguments of Judge and Takayama (1966) a least squares estimator under inequality constraints is consistent but has unknown distribut...

The aim of this paper is to present a model based on Multilayer perceptron neural networks to recognize bad or good credit customers. Credit risk is one of the major problems in banking sector. Banks are faced with credit Risk while doing their tasks. Credit risk is the probability of non-repayment of bank loan granted to lenders. Decreasing Credit Risk, banks may perform better duties and resp...

The purpose of this study was to determine the effect Non-Performing Loans (NPL), Loan Deposit Ratio (LDR), and Net Interest Margin (NIM) on Return On Assets (ROA) either partially or simultaneously in banking companies listed Indonesia Stock Exchange. . This uses a quantitative approach with secondary data form (ROA). Determination sample using purposive sampling technique 3 criteria order obt...

This paper addresses an issue in art and design research. The art and design community is not homogeneous, and there are artists who feel that research in art is very different from research in design, and deserves to be analysed separately. Likewise, there are designers who feel that design is distinctive and warrants a separate treatment. The fundamental issue in this paper is something that ...

Supplying sufficient early reflections to audience members is an important prerequisite to good acoustic quality in performing arts spaces. However, the relationship between the geometry of a room and its acoustic efficiency in terms of early energy has rarely been investigated using basic geometrical principles. The present study demonstrates the possibility of predicting the average value of ...

As we know, in the financial system, there are various institutions that act as intermediaries. That is, lending money from savings and loan community, it back to other parties. This is because does not rule out possibility credit will pose a risk for this research assess how much non-performing loans terms of (NPL) banking company, namely PT Bank Mandiri (Persero) Tbk. The method used descript...