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,

Washington\u27s God: Religion, Liberty, and the Father of Our Country

Symposium on Religion, Religious Pluralism, and the Rule of La

On Tartan Tides: The Failure and Legacy of the Darien Scheme

Michael is originally from Colonia, New Jersey, and a junior at Seton Hall. He is a History major, and Classical Studies and Medieval Studies minor, planning to graduate in Spring 2019. He is in the University Honors Program, an active member of Seton Hall’s History and Slavic Clubs, and acts as a photographer for the Slavic Club. Post-graduation, he plans to pursue a graduate degree in European History, then hopefully to work at a think tank, policy analysis firm, or politics. He enjoys playing video games, reading, and spending time with friends and family

Two Christian Ideals for Business

The sudden collapse of socialism does not entail the triumph of capitalism. In fact, by its nature, capitalism is not the kind of system that should be described as triumphant. It is a system whose origin is rooted in part in the experience of human contingency, imperfection and sin. Capitalist institutions are involved in ethical ambiguities; but, by contrast, traditionalist, precapitalist leaders do not believe that ordinary men and women can live freely and responsibly without the tutelage of dictators and ruling elites. Pope John Paul\u27s 1991 encyclical Centesimus Annus, offer greater clarity about the ethical situation of human beings engaged in business than anything yet produced by any theologian or church body. Novak hopes to persuade his audience that there is something in the encyclical for all men of good will. Novak discusses the encyclical, which supplies the architecture for a practical business ethic in the modern society

The Human Ecology Of Social Justice

The first and fundamental structure for “human ecology” is the family, in which man receives his first formative ideas about truth and goodness, and learns what it means to love and to be loved, and thus what it actually means to be a person. --Centesimus Annus, 39, 1991No one denies that the moral climate of the place into which parents introduce their children may give an upward push -- or a downward push -- to their children’s ability to grow up with good habits, among good companions, in a culture that encourages the good and the beautiful. A sharp moral decline throughout the culture is deadly to children. President Obama says that global warming is the greatest threat facing our generation. But the moral ecology in which human beings live and move is more important for their well-being than the ecology of the biosphere