Abstract For the emerging peer-to-peer (P2P) lending markets to survive, they need employ credit-risk management practices such that an investor base is profitable in long run. Traditionally, relies on credit scoring predicts loans’ probability of default. In this paper, we use a profit approach based modeling annualized adjusted internal rate returns loans. To validate our models with traditio...

This paper proposes an approach to select a market segment portfolio maximize overall profit. The study first uses artificial intelligence algorithms the segments with high profitability. mathematical programming model is then used identify most profitable portfolio. single-objective find optimal profit for baseline condition, and sensitivity analysis performed understand impact of variable cha...

This study sought to develop a reliable and easy-to-use scoring model to guide the decision to perform postsurgical adjuvant transarterial chemoembolization (PA-TACE) in patients with hepatitis B-related hepatocellular carcinoma (HCC).The study included 235 consecutive patients with hepatitis B-related HCC undergoing PA-TACE at our medical center. Patients were assigned to 2 sets according to t...

Quantitative methods to assess the creditworthiness of the loan applicants are vital for the profitability and the transparency of the lending business. With the total loan volumes typical for traditional financial institutions, even the slightest improvement in credit scoring models can translate into substantial additional profit. Yet for the regulatory reasons and due to the potential model ...

Industry in Ukraine is among the world’s most energy intensive. Energy was plentiful and cheap in Soviet times and little effort was made to conserve it. Rising energy prices have had a major impact on profits and production, which also creates a tremendous market potential for energy efficient products and services. Yet Ukrainian industry has not implemented significant energy efficiency measu...

The neoclassical theory of investment implies that expected stock returns are tied with the expected marginal benefit of investment divided by the marginal cost of investment. Winners have higher expected growth and expected marginal productivity (two major components of the marginal benefit of investment), and earn higher expected stock returns than losers. The investment model succeeds in cap...

The relationship between the quality of finishing works, costs, market value, and profit, is presented and explained for residential buildings. The results show that the higher quality of finishing works increases profit for investors. As the maximum market price is limited, there is a limit when the investment in finishing work is no longer cost-effective as, after increase in costs, the marke...

The CGPS of the woodwork of a public university was observed and analyzed. Apart from what is usual in the field of Ergonomics' studies, it is an academic context, where there is not a direct implication of profit, productivity and clientele. The group tried to sever negative and broadcasted opinions about the place by analyzing it from a different point of view. This work was considered releva...