Credit scoring is one of the most successful applications of statistical and management science techniques in finance in the last forty years. This unique collection of recent papers, with comments by experts in the field, provides excellent coverage of recent developments, advances and sims in credit scoring. Aimed at statisticians, economists, operational researchers and mathematicians working in both industry and academia, and to all working on credit scoring and data mining, it is an invaluable source of reference.
This book tells the story of white South African students—how they remember and enact an Apartheid past they were never part of. How is it that young Afrikaners, born at the time of Mandela's release from prison, hold firm views about a past they never lived, rigid ideas about black people, and fatalistic thoughts about the future? Jonathan Jansen, the first black dean of education at the historically white University of Pretoria, was dogged by this question during his tenure, and Knowledge in the Blood seeks to answer it. Jansen offers an intimate look at the effects of social and political change after Apartheid as white students first experience learning and living alongside black students. He reveals the novel role pedagogical interventions played in confronting the past, as well as critical theory's limits in dealing with conflict in a world where formerly clear-cut notions of victims and perpetrators are blurred. While Jansen originally set out simply to convey a story of how white students changed under the leadership of a diverse group of senior academics, Knowledge in the Blood ultimately became an unexpected account of how these students in turn changed him. The impact of this book's unique, wide-ranging insights in dealing with racial and ethnic divisions will be felt far beyond the borders of South Africa.
This book details the mathematical models that help creditors make intelligent credit risk decisions. Also included in this book is a discussion of economic theories of consumers' use of credit.
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