Paper introduces the improved version of a credit scoring model which assesses credit worthiness of applicants for a loan. The scorecard has a two-level multilevel structure which nests applicants for a loan within microenvironments. Paper discusses several versions of the multilevel scorecards...

Natural disasters are also known as catastrophes with low frequency but high damages. Typhoons and floods are the major catastrophes which lead to gargantuan losses in Asia. Once a disaster occurs, a broad region will be affected and this will result in huge social loss. If issuers or...

There are several important issues to be addressed for gene expression temporal patterns' analysis: first, the correlation structure of multidimensional temporal data; second, the numerous sources of variations with existing high level noise; and last, gene expression mostly involves heterogeneous...

The geometrical convergence of the Gibbs sampler for simulating a probability distribution inRdis proved. The distribution has a density which is a bounded perturbation of a log-concave function and satisfies some growth conditions. The analysis is based on a representation of the Gibbs sampler...

In this paper we analyze the spatial patterns of the risk of unprotected sexual intercourse for Italian women during their initial experience with sexual intercourse. We rely on geo-referenced survey data from the Italian Fertility and Family Survey, and we use a Bayesian approach relying on...

The approximation of G/G/s models from Markov models M/M/s has been studied in the literature. The study of a queue model is detailed in the present article, using times of arrivals and time service distributed by Weibull whose estimation of parameters was performed with the Bayesian method...