Wide and deep learning for peer-to-peer lending

This paper proposes a two-stage scoring approach to help lenders decide their fund allocations in peer-to-peer (P2P) lending market. The existing scoring approaches focus on only either probability of default (PD) prediction, known as credit scoring, or profitability prediction, known as profit scoring, to identify the best loans for investment. Credit scoring fails to deliver the main need of lenders on how much profit they may obtain through their investment. On the other hand, profit scoring can satisfy that need by predicting the investment profitability. However, profit scoring is not free from the imbalance problem where most of the past loans are non-default. Consequently, ignorance of the imbalance problem significantly affects the accuracy of profitability prediction. Our proposed two-stage scoring approach is an integration of credit scoring and profit scoring to address the above challenges. More specifically, stage 1 is designed to identify non-default loans while the imbalanced nature of loan status is considered in PD prediction. The loans identified as non-default are then moved to stage 2 for prediction of profitability, measured by internal rate of return. Wide and deep learning is used to build the predictive models in both stages to achieve both memorization and generalization. Extensive numerical studies are conducted based on real-world data to verify the effectiveness of the proposed approach. The numerical studies indicate our two-stage scoring approach outperforms the existing credit scoring and profit scoring approaches

The social network among the elderly and its relationship with quality of life

Introduction: Attention to the needs of the elderly is a social necessity, and it seems that evaluating the social network and quality of life of the elderly can be useful in a better understanding of their needs. This study was performed to determine the relationship between the social network and the quality of life of the elderly in the city of Bojnoord in Iran. Methods: In this cross-sectional study, 201 elderly people aged 60 years or more were selected by continuous and consecutive sampling method in Bojnoord, Iran in 2014. Data were collected using demographic questionnaire, Lubben social network scale and LEIPAD elderly quality of life questionnaire. Data were analyzed by SPSS 16 and using descriptive statistics and independent-samples t-test, ANOVA and Pearson product- moment coefficient. Results: The results showed that 30.3% of elderly people studied, were subjected to a high risk of isolation. The highest mean in social network dimensions was in the family (19.68%), friends (12.01%) and the neighbors (9.90%), respectively. The mean score for quality of life of the elderly was as moderate to high (63.90±13.73), and among the quality of life dimensions, the highest mean was related to the self-care dimension (15.59%), and the lowest mean was related to the sexual functioning dimension (1.53%). The findings suggested a positive and significant relationship between social network and quality of life in the elderly who were studied (p<0.000, r=0.468). Conclusion: This study was a step toward understanding the social network status and quality of life of the elderly. It is necessary to say that health care professionals, especially nurses, display a significant role in the community to help people in this regard

Comparing chest Radiograph and Tuberculin Skin Tests in Children

World Health organization (WHO) has reported that out of more than 10,000 of 250,000 tuberculosis afflicted children die annually. Pulmonary tuberculosis is a research priority in our country, and diagnos-ing this disease especially in children who are known as the major transmitter of the disease is rather difficult. As a result, it was decided to conduct an overall assessment on this age group in order to determine the importance of the findings of chest radiography and skin test in diagnosing the disease. The present descriptive study was carried out based on the findings of a health plan in Fasa , a Iranian town, during 1995 and 1996, on 2 groups: first-grade students of Fasa elementary schools. Among 2263 students, 102 (4.5%) cases had a positive skin test. According to the radiographic findings, tuberculosis was reported in seven (6.9%) of them. The diagnosis of tuberculosis is more difficult in children; this is because taking sputum samples for laboratory examination is rather difficult especially in children lower than 10 years. In this group, diagnosis is made based on the symptoms like cough, weight loss, history of contact with a TB patient and other diagnostic procedures including chest radiographies and skin test