Izračun bihevijoralističkog kreditnog skoringa za klijente banke

Kreditni skoring numerički je sustav pomoću kojeg se ocjenjuje rizičnost klijenta kojemu se želi prodati neki proizvod. U ovome radu proučavamo statističke metode za izračun kreditnog skoringa. Na kraju opisujemo rezultate primjena modernih statističkih metoda i mašinskog učenja na uspješnu izradu vrlo prediktivnog behavijoralnog kreditnog skoringa.Credit scoring is a numerical system used to assess the risk of a customer to whom a product is sold. In this thesis we consider statistical methods for calculating the credit scoring. Finally, we describe results of an application of modern statistical methods and machine learning to a successful development of very predictive behavioral credit scoring

Environmental Success Factors or the Justififi cation for the Prohibition of High-Tech Swimsuits in Swimming

The scope of the study was to elaborate and represent different aspects of high-tech suits which infl uence the swimming results and to justify the change of swimming rules in 2009. Impact of environmental factors on the result should not be greater than the athlete’s impact. Impact of high-tech suits greatly contributes to the development of technology, new materials and modern design of sports equipment. The paper describes the genesis of the high-tech swimsuits and provides an analysis of causes and consequences of its prohibition. The arguments against the suits have an effect on prohibition of different sports requisites and equipment in all sports. This prohibition directly affects the modern swimmers who will have diffi culties in breaking the world records swimming in high-tech suits

Optical, morphological and photocatalytic properties of biobased tractable films of chitosan/donor-acceptor polymer blends

Biobased tractable films consisting of blends of chitosan (CS) with polymer bearing carbazole derivatives as pendant groups and fluorene-thiophene as donor-acceptor units (referred to as DA) were prepared, and their optical, morphological and photocatalytic properties were studied. DA was dissolved in tetrahydrofuran (THF) and mixed with an acidified aqueous solution containing chitosan to obtain chitosan/DA (CS/DA) films by solution casting. The fabricated biobased films were characterized using spectroscopic techniques (FT-IR and UV–vis), thermogravimetry, mechanical assays, contact angle analysis, and atomic force microscopy (AFM). The effects of varying DA compositions and the results of exposure to visible-light irradiation of the films were also analyzed. The results indicated the existence of interactions between chitosan and DA and a potentially profitable light-driven response of these biobased films. This behavior was reflected in the optical, topographical, and contact angle properties of the films, which exhibited different characteristics before and after visible-light exposure. Finally, the photocatalytic performance of the biobased films was tested via the decomposition of methyl orange (MO), as a reaction model system. Our results revealed a significant photocatalytic activity (according to biobased film composition, approximately 64 % and 87 % of methyl orange were degraded under continuous visible-light irradiation for 120 min) of the films which is attributed to the combined presence and synergetic effects of the film-forming ability of chitosan and the photoproperties of DA

SCUBA DIVING AS A PART OF THE OFFICIAL CURRICULUM IN THE EDUCATION SYSTEM IN THE REPUBLIC OF CROATIA

The aim of this paper is to give an overview of the state and future prospects of training students in diving throughout the education system in Croatia. By introducing the subject of “SCUBA diving” as an extracurricular subject into the education system and training diving instructors and coaches through authorised institutions, a positive trend would be continued regarding the level of diving proficiency of everyone included in the education system in Croatia. We are of the opinion that these more demanding and comprehensive programmes and studies would yield students whose individual expertise is at its maximum. These programmes would also enable the setting of higher standards not only in education but also regarding the implementation of safety precautions in divers of all ages as well as contribute to maximising diving and training safety in diving clubs, centres, the military and police as well as in other diving enterprises