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Search results for: SOCIAL CREDIT SCORE
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Karol Flisikowski dr inż.
PeopleKarol Flisikowski works as Associate Professor at the Department of Statistics and Econometrics, Faculty of Management and Economics, Gdansk University of Technology. He is responsible for teaching descriptive and mathematical statistics (in Polish and English), as well as scientific research in the field of social statistics. He has been a participant in many national and international conferences, where he has presented the results...
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Bifractal receiver operating characteristic curves: a formula for generating receiver operating characteristic curves in credit-scoring contexts
PublicationThis paper formulates a mathematical model for generating receiver operating characteristic (ROC) curves without underlying data. Credit scoring practitioners know that the Gini coefficient usually drops if it is only calculated on cases above the cutoff. This fact is not a mathematical necessity, however, as it is theoretically possible to get an ROC curve that keeps the same Gini coefficient no matter how big a share of lowest...
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Błażej Kochański dr
PeopleBłażej Kochański is an assistant professor at the Department of Statistics and Econometrics at the Faculty of Management and Economics of Gdańsk University of Technology, banking risk expert. He worked for banks in Poland and Europe, as a risk specialist, planning and analysis manager, chief risk officer, supervisory board member and management consultant. He built numerous credit risk management models, successfully managed credit...
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Detection and Model of Thermal Traces Left after Aggressive Behavior of Laboratory Rodents
PublicationAutomation of complex social behavior analysis of experimental animals would allow for faster, more accurate and reliable research results in many biological, pharmacological, and medical fields. However, there are behaviors that are not only difficult to detect for the computer, but also for the human observer. Here, we present an analysis of the method for identifying aggressive behavior in thermal images by detecting traces...
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Economics of credit scoring management
PublicationCredit scoring models constitute an inevitable element of modern risk and profitability management in retail financial lending institutions. Quality,or separation power of a credit scoring model is usually assessed with the Gini coefficient. Generally, the higher Gini coefficient the better, as in this way a bank can increase number of good customers and/or reject more bad applicants. In...
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Credit default swaps and banks
PublicationThis chapter aims to explore the evolving role of credit default swaps (CDS) in managing and transferring default risk from the perspective of banks from a holistic perspective. This chapter examines credit default swaps (CDSs) as derivative financial instruments that transfer credit risk on debt securities. While CDSs offer benefits such as risk management and risk trading, they also introduce potential systemic risks, as evidenced...
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Hilton Environmental Reporting as a tool of Corporate Social Responsibility.
PublicationArtykuł ten przedstawia historię, kryteria oraz procedury wprowadzone w komputerowym systemie środowiskowym Hilton Environmental Reporting.
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Assessing the attractiveness of human face based on machine learning
PublicationThe attractiveness of the face plays an important role in everyday life, especially in the modern world where social media and the Internet surround us. In this study, an attempt to assess the attractiveness of a face by machine learning is shown. Attractiveness is determined by three deep models whose sum of predictions is the final score. Two annotated datasets available in the literature are employed for training and testing...
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How to model ROC curves - a credit scoring perspective
PublicationROC curves, which derive from signal detection theory, are widely used to assess binary classifiers in various domains. The AUROC (area under the ROC curve) ratio or its transformations (the Gini coefficient) belong to the most widely used synthetic measures of the separation power of classification models, such as medical diagnostic tests or credit scoring. Frequently a need arises to model an ROC curve. In the biostatistical...
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The shape of an ROC curve in the evaluation of credit scoring models
PublicationThe AUC, i.e. the area under the receiver operating characteristic (ROC) curve, or its scaled version, the Gini coefficient, are the standard measures of the discriminatory power of credit scoring. Using binormal ROC curve models, we show how the shape of the curves affects the economic benefits of using scoring models with the same AUC. Based on the results, we propose that the shape parameter of the fitted ROC curve is reported...
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Maria Jastrzębska dr hab.
PeopleMaria Jastrzębska is an employee of the Department of Finance. She is the author of over 170 publications, including 8 monographs - Financial Management of Municipalities. Theoretical aspects; Budgetary policy of local government units; Debt management of local government units; Finances of local government units; Risk management in the activity of local government units with special consideration of catastrophic risk (co-author...
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Which Curve Fits Best: Fitting ROC Curve Models to Empirical Credit-Scoring Data
PublicationIn the practice of credit-risk management, the models for receiver operating characteristic (ROC) curves are helpful in describing the shape of an ROC curve, estimating the discriminatory power of a scorecard, and generating ROC curves without underlying data. The primary purpose of this study is to review the ROC curve models proposed in the literature, primarily in biostatistics, and to fit them to actual credit-scoring ROC data...
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Number of active credit cards issued to individual customers (2017)
Open Research DataPolish banks serviced 6.04 million credit cards in 2017. This is a decrease by 121,000 year on year (comparing 2017 and 2016). The largest issuer of credit cards in the country is Bank PKO BP. In the third quarter of 2017, this institution had 847,000 credit cards. Bank Zachodni WBK is second (803,000) and CITI Handlowy is third (697,000).
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Anterior subcutaneous transposition and simple decompression of the ulnar nerve at the elbow – the postoperative improvement in DASH score, VAS score and sonographic findings
PublicationIntroduction. Although a lot of studies have described long- term outcomes after surgical treatment of cubital tunnel syndrome, and the usefulness of sonography in diagnosing of this disorder, few studies have evaluated patients self-reporting outcomes or sonographic findings after surgery. Aim. We assessed patients self-reporting instruments and sonographic findings in patients with the cubital tunnel syndrome before and after...
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Social Aspects of Information Technology
e-Learning CoursesSubject of the course includes history of science and technics as well as social, economic, medical, health and legal aspects of Information Technology and related fields of science and technology.
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Social Entrepreneurship Avenues for the Field Development through Research Paradigm Intersection Discussion
PublicationThe aim of this paper is to identify and provide key arguments for employing integrative approach in the choice of research paradigm for studying social entrepreneurship phenomenon. The fact that social entrepreneurship as a field of research is at its preliminary stage, serves as argument and gives freedom in the discussion of the choice of employing a research paradigm. The author does so through identifying commonalities and...
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Higher Responsiveness to Rosuvastatin in Polygenic versus Monogenic Hypercholesterolemia: A Propensity Score Analysis
PublicationBackground: The monogenic defect in familial hypercholesterolemia (FH) is detected in ∼40% of cases. The majority of mutation-negative patients have a polygenic cause of high LDL-cholesterol (LDL-C). We sought to investigate whether the underlying monogenic or polygenic defect is associated with the response to rosuvastatin. Methods: FH Individuals were tested for mutations in LDLR and APOB genes. A previously established LDL-C-specific...
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Exploring governance among social co-operatives: three models from Poland
PublicationThere has been overly interest regarding social enterprise and social entrepreneurship in theory and practice. In this paper the author introduces the workings of governance of small social enterprises i.e. social co-operatives, acting in most cases for the purpose of work and social integration of the marginalized, at the bottom of the pyramid of socio-economic system. The aim of this paper is to provide insights into under researched...
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Guido: a musical score recognition system
PublicationThis paper presents an optical music recognition system Guido that can automatically recognize the main musical symbols of music scores that were scanned or taken by a digital camera. The application is based on object model of musical notation and uses linguistic approach for symbol interpretation and error correction. The system offers musical editor with a partially automatic error correction.
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Higher responsiveness to rosuvastatin in polygenic versus monogenic hypercholesterolaemia: a propensity score analysis
PublicationBackground The underlying monogenic defect in familial hypercholesterolemia (FH) can be detected in ∼40% of cases. The majority of mutation-negative patients have a polygenic cause of high LDL-cholesterol (LDL-C) due to having inherited a greater than average number of common LDL-C raising single nucleotide polymorphisms (SNPs). Purpose We sought to investigate, whether the monogenic or polygenic defect in FH is associated with...
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Social Aspects of Information Technology - Nowy
e-Learning CoursesSubject of the course includes history of science and technics as well as social, economic, medical, health and legal aspects of Information Technology and related fields of science and technology.
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Social learning in cluster initiatives
PublicationPurpose – The purpose of the paper is to portray social learning in cluster initiatives (CIs), namely: 1) to explore, with the lens of the communities of practice (CoPs) theory, in what ways social learning occurs in CIs; 2) to discover how various CoPs emerge and evolve in CIs to facilitate a collective journey in their learning process. Subsequently, the authors address the research questions: In what ways does social learning...
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Resourcing in social enterprise – content analysis of 'good practices' profiled in 'Atlas of social economy' in Poland
PublicationThe aim of this paper is to analyze and show what processes accompany resource mobilization among social enterprises. For this, the author uses a sample of 25 ‘good practice’ examples selected and presented in ‘Atlas of social economy’ in Poland, in the most popular and well-established knowledge base web portal on social economy and social enterprise in Poland. The author makes an attempt at deconstructing the profiles of the...
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Social enterprises as a fertile ground for reducing social and economic exclusion - good practice examples from Poland
PublicationThe work briefly outlines the two dimensions of value generated by social enterprises to the economy and society. This is done in reference to the social cooperatives in Poland that are good examples of social enterprises according to EMES indicators
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Social development – a multidimensional approach to social development analysis. Country level evidence.
PublicationThe paper constitutes an extensive analysis of level of social development in multidimensional and complex way. The study covers 144 world countries. Each country is analyzed in from the perspective of 8 non-income variables in 2011.
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Identification of Determinants of Using Crowdfunding as a Source of Financing the Development of Social Enterprises–the Perspective of Polish Social Entrepreneurs
PublicationSocial enterprises face funding challenges caused, among other things, by investors focusing too much on risk and return. As traditional capital markets do not meet the needs of social entrepreneurs, crowdfunding can be an alternative way to raise funds for the development of their business. In this context, crowd-funding has not been sufficiently researched, and its growing importance in business finance makes it worth understanding...
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Enhancing the Cleveland Clinic Score in cardiac surgery
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An appropriate SCORE to assess cardiovascular risk in hypertension?
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Risk Scoring Models for Trade Credit in Small and Medium Enterprises
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Pronouncement of embedded agency in the field of social entrepreneurship
PublicationThe paper provides insights into how social entrepreneurship and the institutional theory framework can be combined. The author situates the social entrepreneurship phenomenon here, and embarks on the traditional structure vs agency debate from social sciences, sociology of organizations in particular. The concept of embedded agency is referred to and employed to explain the phenomenon of social entrepreneurship. In this paper,...
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City and Urbanity in the Social Discourse
PublicationThe aim of our article is an attempt to present the concept of urbanity that has been shaped throughout centuries along with the development of European civilisation and now entered a new phase of social production of space based on cultural dimensions. The future of the majority of World’s population is connected currently with the urban life with the assumption that qualitative characteristics of life in the 21st century define...
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Social media as an opportunity or a blind alley in social communication and forest education? – Experiences from Poland
PublicationThe article characterizes the experiences, problems, and prospects for the development of forest education on social media, which in Poland has been carried out by the Państwowe Gospodarstwo Leśne Lasy Państwowe (National Forest Holding ‘State...
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Conceptualizing Digital Government for Social Solidarity
PublicationThis paper motivates the study of the impact of digital government on social solidarity; builds a conceptual foundation with four types of solidarity – group-based, compassionate, instrumental and emphatic; relates digital government to the type and moment – pre-technological, technological and post-technological of solidarity; and puts forward the type-moment frame to study how digital government is supporting social solidarity...
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Analysing and processing of geotagged social media
PublicationThe use of location based data analysing tools is an important part of geomarketing strategies among entrepreneurs. One of the key elements of interest is social media data shared by the users. This data is analysed both for its content and its location information, the results help to identify trends represented in the researched regions. In order to verify the possibilities of analysing and processing of geotagged social media...
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Religious social action and its organizational profiles
PublicationPurpose Social action implemented by the Church via its affiliated entities, foundations and associations may be viewed as a uniform activity. In reality, however, several organizational profiles exist that depend on the origin of these organizations (lay or religious), the scope of their activities (local or general) and their dependence on resources (whether from public administration or civil society). The paper aims to discuss...
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Journal of Credit Risk
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Global Credit Review
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Credit and Capital Markets
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Revising Entrepreneurial Orientation Construct in Social Enterprise
PublicationEntrepreneurial behavior and entrepreneurial orientation (EO) have received significant scholarly attention in entrepreneurship and management research, but mainly in the commercial context. However, some attempts discussing such behavior and EO among non-profit organizations, but limited in the social enterprise context. The literature argues that EO is higher in such contexts (Zahra, Gedajlovic, Neubaum & Shulman, 2009; Lumpkin,...
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Social activities in The Vistula Marshlands
PublicationSocial activities in The Vistula Marshlands favouring development in this part of the Pomeranian Voivodeship and preserving its specific character have recently been a domain of Local Activity Groups, clubs and societies, as well as cultural centres and local schools. The activation of local environment is supported by the possibility of gaining EU grants, particularly 4 LEADER Axis from the Rural Development Programme for years...
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Exploring the Role of Social Media Use Motives, Psychological Well-Being, Self-Esteem, and Affect in Problematic Social Media Use
PublicationGiven recent advances in technology, connectivity, and the popularity of social media platforms, recent literature has devoted great attention to problematic Facebook use. However, exploring the potential predictors of problematic social media use beyond Facebook use has become paramount given the increasing popularity of multiple alternative platforms. In this study, a sample of 584 social media users (Mage = 32.28 years; 67.81%...
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Consumer social network brand identification and personal branding. How do social network users choose among brand sites?
PublicationBrands’ social networking sites (fan pages) are increasingly attracting the attention of scientists and managers intrigued by their potential application for brand value creation. The aim of this research is to understand better how users choose among social networking sites as an act of brand identification. The study presents a new model whose structure of identification drivers for social networking brand sites varies for customer...
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Revenue of social security contributions (in PLN billion)
Open Research DataIn the period January-September 2020, the expenditure of the Social Insurance Fund amounted to PLN 197.1 billion, and the revenues from contributions and their derivatives - PLN 144.5 billion. As a result, the proceeds covered 73.3 percent. expenses. At that time, the fund received a subsidy from the budget in the amount of PLN 29.3 million.
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Corporate Social Responsibility
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Using the social return on investment (SROI) as a measure of the effectiveness of social innovation projects implemented under public policies
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The Crisis of Marketing Communication in the Era of Social Media
PublicationThe articles examines the widely discussed in literature the problem of marketing communication crisis resulting from the changes of the environment. These changes generate both new problems and also new solutions, e.g. social media. The practicioners are pursuing both effective and efficient solutions, in relation to the difficulties encountered while achieving market objectives via traditional methods and channels. In accordance...
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The use of Markov chains in the social convergence analysis
PublicationThe main goal of this article is to analyze the social convergence process using Markov chains. In this research, term social convergence refers to the reduction of dispersion in the standard of living among countries. The use of Markov chains in the social convergence analysis allowed describing movements of observational units within the distribution and providing more details about the mechanism of the convergence process. A...
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On the Modern and Postmodern Paradigms of Ideology and Social Criticism
PublicationThe article takes on the problem of ideology, critical consciousness and social criticism and distinguishes two ways of thematizing it. The first approach is developed within the post-Hegelian framework. According to this paradigm, critique of ideology is a means of transgressing the antagonistic forms of socialization and emancipating humanity from the false forms of consciousness and corresponding irrational and oppressive social...
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Influence of advertisement in social media in knowledge based economy
PublicationIn the era of knowledge based economies every year the number of companies that starting their advertising campaigns increase. According to Social Enterprise Report, 38% of leading companies in Poland have its profile on social networking sites. In this paper, we are going to introduce two case studies. The first one is the advertising campaign of Heyah based on the history of communism. The second case study is the continuation...
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REVISING ENTREPRENEURIAL ORIENTATION (EO) IN SOCIAL ENTREPRENEURSHIP, QUALITATIVE EVIDENCE FROM WORK INTEGRATION SOCIAL ENTERPRISES (WISES) FROM POLAND
PublicationEntrepreneurial behaviour and entrepreneurial orientation (EO) of (commercial) entrepreneurship. have received significant scholarly attention in entrepreneurship and management research However, there are insufficient attempts discussing such behaviour and EO in non-profit, and particularly social entrepreneurship context, arguing that EO is higher in such contexts, or remains the same, some new EO dimensions are proposed, existing...