APPLICATION OF RECURSIVE PARTITIONING TO AGRICULTURAL CREDIT SCORING

Recursive Partitioning Algorithm (RPA) is introduced as a technique for credit scoring analysis, which allows direct incorporation of misclassification costs. This study corroborates nonagricultural credit studies, which indicate that RPA outperforms logistic regression based on within-sample observations. However, validation based on more appropriate out-of-sample observations indicates that logistic regression is superior under some conditions. Incorporation of misclassification costs can influence the creditworthiness decision.finance, credit scoring, misclassification, recursive partitioning algorithm, Agricultural Finance,

Penerapan Model Pembelajaran Kooperatif Tipe Numbered Head Together (Nht) Untuk Meningkatkan Hasil Belajar IPA Kelas III SD Negeri 011 Sidorejo Kecamatan Simpang Kanan

The problem in this research is the low learning outcomes IPA Elementary School third-grade students 011 Sidorejo ie with an average of 61.95 with KKM 65. This is because the teacher is still less varied in using models or strategies in the learning process that resulted in the current active students are less involved learn. The study is in the form of classroom action research (PTK). This study aims to improve learning outcomes IPA Elementary School third-grade students 011 Sidorejo. The formulation of the problem "Does the application of the type learning model Numbered Head Together (NHT) can improve learning outcomes IPA third grade students of SD Negeri 011 Sidorejo?". Subjects of this study third grade students of 20 people consisting of 6 men and 14 women. research results show that the activity of teachers has increased by 66.66% in the first cycle to 87.5%. Activities of students also increased by ie from 91.66% to 95.83% in the second cycle. Learning outcomes of students has increased from a base score with an average of 61.95 increased by 62.5% to 75 at UH Cycle I, subsequently at the UH second cycle students on average increased by 87.5% to 95.83%. The completeness classically increased from 59.75% to preliminary data increased to 67.75% in the first cycle, subsequently increased to 80.5%. From these data it can be concluded that the application of the type of learning model Numbered Head Together (NHT) can improve learning outcomes IPA third grade students of SD Negeri 011 Sidorejo

Changing the Light Bulb in Higher Education: Transforming Internationalization

In this chapter, Dr. Jim Barber (associate professor, School of Education), Dr. Pam Eddy (professor, School of Education), and Dr. Steve Hanson (vice provost for International Affairs and director, Reves Center for International Studies) explore how the transformation on internationalization at the College of William & Mary. I was pleased to hear their thoughts about the personal and professional benefits of reflecting on their institutional impact.https://scholarworks.wm.edu/educationbookchapters/1009/thumbnail.jp

Membrane amplitude and triaxial stress in twisted bilayer graphene deciphered using first-principles directed elasticity theory and scanning tunneling microscopy

Twisted graphene layers produce a moir\'e pattern (MP) structure with a predetermined wavelength for given twist angle. However, predicting the membrane corrugation amplitude for any angle other than pure AB-stacked or AA-stacked graphene is impossible using first-principles density functional theory (DFT) due to the large supercell. Here, within elasticity theory we define the MP structure as the minimum energy configuration, thereby leaving the height amplitude as the only unknown parameter. The latter is determined from DFT calculations for AB and AA stacked bilayer graphene in order to eliminate all fitting parameters. Excellent agreement with scanning tunneling microscopy (STM) results across multiple substrates is reported as function of twist angle.Comment: to appear in Phys. Rev.

Arch Stiffness Does Not Determine Running Economy in Recreational Runners

poste

Demand Response Implementation in an Optimization Based SCADA Model Under Real-Time Pricing Schemes

Advancement of renewable energy resources, development of smart grids, and the effectiveness of demand response programs, can be considered as solutions to deal with the rising of energy consumption. However, there is no benefit if the consumers do not have enough automation infrastructure to use the facilities. Since the entire kinds of buildings have a massive portion in electricity usage, equipping them with optimization-based systems can be very effective. For this purpose, this paper proposes an optimization-based model implemented in a Supervisory Control and Data Acquisition, and Multi Agent System. This optimization model is based on power reduction of air conditioners and lighting systems of an office building with respect to the price-based demand response programs, such as real-time pricing. The proposed system utilizes several agents associated with the different distributed based controller devices in order to perform decision making locally and communicate with other agents to fulfill the overall system’s goal. In the case study of the paper, the proposed system is used in order to show the cost reduction in the energy bill of the building, while it respects the user preferences and comfort level.The present work was done and funded in the scope of the following projects: H2020 DREAM-GO Project (Marie Sklodowska-Curie grant agreement No 641794); Project GREEDI (ANI|P2020 17822); and UID/EEA/00760/2013 funded by FEDER Funds through COMPETE program and by National Funds through FCT.info:eu-repo/semantics/publishedVersio

Supergravity Higgs Inflation and Shift Symmetry in Electroweak Theory

We present a model of inflation in a supergravity framework in the Einstein frame where the Higgs field of the next to minimal supersymmetric standard model (NMSSM) plays the role of the inflaton. Previous attempts which assumed non-minimal coupling to gravity failed due to a tachyonic instability of the singlet field during inflation. A canonical K\"{a}hler potential with \textit{minimal coupling} to gravity can resolve the tachyonic instability but runs into the $\eta$-problem. We suggest a model which is free of the $\eta$-problem due to an additional coupling in the K\"{a}hler potential which is allowed by the Standard Model gauge group. This induces directions in the potential which we call K-flat. For a certain value of the new coupling in the (N)MSSM, the K\"{a}hler potential is special, because it can be associated with a certain shift symmetry for the Higgs doublets, a generalization of the shift symmetry for singlets in earlier models. We find that K-flat direction has $H_u^0=-H_d^{0*}.$ This shift symmetry is broken by interactions coming from the superpotential and gauge fields. This direction fails to produce successful inflation in the MSSM but produces a viable model in the NMSSM. The model is specifically interesting in the Peccei-Quinn (PQ) limit of the NMSSM. In this limit the model can be confirmed or ruled-out not just by cosmic microwave background observations but also by axion searches.Comment: matches the published version at JCA