The purpose of this article is to give a new approach in calculating the probability of returning a loan. A lot of factors affect the value of the probability. In this article by using statistical and econometric models some influencing factors are proved. The main approach is concerned with...

Empirical research using micro data via remote access has been advocated in recent time by statistical offices since confidentiality is easier warranted for this approach. However, disclosure of single values and units cannot be completely avoided. Binary regressors (dummy vari- ables) bear a...

The main challenge of forecasting credit default risk in loan portfolios is forecasting the default probabilities and the default correlations. We derive a Merton-style threshold-value model for the default probability which treats the asset value of a firm as unknown and uses a factor model...

En este artículo se estima la demanda de transporte a partir de las preferencias que revelan los individuos cuando se enfrentan a la elección del modo de transporte en un contexto interinsular. Se utiliza para ello modelos de elección discreta, específicamente el logit y el probit- que se...

The demand for environmental goods is often low in developing countries. The major causes are awareness regarding the contamination of water and poverty, but less attention has been paid to the former reason. We use a household survey from Hyderabad city and estimate the contribution of...

Sudan is threatened by a serious deforestation problem. Total forested area decreased by about 20 percent over the last two decades, largely as a result of the expansion of rainfed mechanized farming (RMF). To safeguard against the problems of deforestation, the government's Mechanized Farming...

The aim of this article is presentation of logit and probit models and their wide application in many different science. Logit and probit regression are used for analyzing the relationship between one or more independent variables with categorical dependent variable. There are a lot of...