Credit scoring methods aim to assess credit worthiness of potential borrowers to keep the risk of credit loss low and to minimize the costs of failure over risk groups. Standard parametric approaches as logistic discrimination analysis assume that the probability of belonging to the group of ”bad” clients is given by P (Y = 1|X) = F (βX), with Y = 1 indicating a ”bad” client and X denoting the ...

Fact-checking has always been a central task of journalism, but given the ever-growing amount and speed news offline online, as well growing amounts misinformation disinformation, it is becoming increasingly important to support human fact-checkers with (semi-)automated methods make their work more efficient. Within fact-checking, detection check-worthy claims crucial initial step, since limits...

This study was conducted to know the worthiness of learning media mobile (M-Learning) is increasing students' effectiveness. Research and Development (R&D) has adapted method used. The research involving 26 students three validators. validator consists 1 lecturer as a expert lecturer, one material expert, chemistry teacher. Based on results, results obtained validity 93%, effectiveness in t...