The Basel II Accord pointed out benefits of credit risk management through internal models to estimate Probability of Default (PD). Banks use default predictions to estimate the loan applicants’ PD. However, in practice, PD is not useful and banks applied credit scorecards for their decision making process. Also the competitive pressures in lending industry forced banks to use profit scorecards...

decision trees as one of the data mining techniques, is used in credit scoring of bank customers. the main problem is the construction of decision trees in that they can classify customers optimally. this paper proposes an appropriate model based on genetic algorithm for credit scoring of banks customers in order to offer credit facilities to each class. genetic algorithm can help in credit sco...

In this paper, a stochastic approach is proposed for reliability assessment of bidirectional DC-DC converters, including the fault-tolerant ones. This type of converters can be used in a smart DC grid, feeding DC loads such as home appliances and plug-in hybrid electric vehicles (PHEVs). The reliability of bidirectional DC-DC converters is of such an importance, due to the key role of the expec...

In the literature, it has been reported that the mechanical output per leg is less in two-leg jumps than in one-leg jumps. This so-called bilateral deficit has been attributed to a reduced neural drive to muscles in two-leg jumps. The purpose of the present study was to investigate the possible contribution of nonneural factors to the bilateral deficit in jumping. We collected kinematics, groun...

OBJECTIVE To determine the effect of aerobic retraining as rehabilitation after short-term leg immobilization on leg strength, leg work capacity, leg lean mass, leg muscle fibre type composition and leg capillary supply, in young and older men.Subjects and design: Seventeen young (23 ± 1 years) and 15 older (68 ± 1 [standard error of the mean; SEM] years) men had one leg immobilized for 2 weeks...

abstract:             partial knowledge is one of the main factors to take into account when dealing with the improvement of administration of multiple choice questions (mcq). various strategies have been proposed for this factor in traditional testing environment. so this study proposed a confidence based assessment (cba) as a sufficient solution & want to compare the effect of cba scoring sys...

abstract study design: a cross-sectional non-experimental study. objectives: to collectively detect the reliability and feasibility of the five types of clinical tests that have been used to measure endurance of the trunk muscles in subjects with and without low back pain (lbp) and identify the sensitivity of each test to predict the probability of the occurrence oflbp. background: testing spin...