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Search results for: PERSONAL BANKRUPTCY
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Personal bankruptcy prediction using machine learning techniques
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Personal bankruptcy prediction using machine learning techniques
PublicationIt has become crucial to have an early prediction model that provides accurate assurance for users about the financial situation of consumers. Recent studies have focused on predicting corporate bankruptcies and credit defaults, not personal bankruptcies. Due to this situation, the present study fills the literature gap by comparing different machine learning algorithms to predict personal bankruptcy. The main objective of the...
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Financial Markets and Bankruptcy Systems: Is there a Relationship?
PublicationPurpose: Filling the cognitive gap in the theory of ex-post transaction costs, i.e., at the stage of enforcing market transactions by examining the relationship between friendliness/severity of the bankruptcy and restructuring law towards debtors, the level of development of financial markets, the effectiveness of the judicial system and the rate of debt recovery. Design/Methodology/Approach: In the research, the following methods...
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Bankruptcy Prediction - History, Present and Future.
PublicationW artykule przedstawiono krótką wzmiankę dotyczącą dotychczasowych badań w obszarze zagrożenia przedsiębiorstw upadłością, techniki wykorzystywane do budowy modeli prognozowania upadłości przedsiębiorstw oraz metody stosowane w analizie porównawczej tego typu modeli.
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Predicting bankruptcy with the use of macroeconomic variables
PublicationRegarding the current global financial crisis, the firms can expect the increased uncertainty of their existence. The relevant literature includes extensive studies on bankruptcy prediction. Studies show that the most popular method used for prediction of firms' failures are discriminant analyses (30,3% of all models), then logit and probit models (21,3%), which all three are parametric models. The nature, the structure of the...
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The risk of corporate bankruptcy - the conceptual model
PublicationThis article concerns the assessment of different types of risks influencing the corporate bankruptcy risk. The author has developed conceptual model that explains the causes and the trajectories of the collapse of enterprises. In the analyses such factors as demographic, financial, market, political and operational factors influencing the risk of failure were taken into account.
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USE OF PERSONAL PROTECTIVE EQUIPMENT
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THE ANALYSIS OF THE BANKRUPTCY OF ENTERPRISES EXEMPLIFIED BY THE VISEGRAD GROUP
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Dynamic Bankruptcy Prediction Models for European Enterprises
PublicationThis manuscript is devoted to the issue of forecasting corporate bankruptcy. Determining a firm’s bankruptcy risk is one of the most interesting topics for investors and decision-makers. The aim of the paper is to develop and to evaluate dynamic bankruptcy prediction models for European enterprises. To conduct this objective, four forecasting models are developed with the use of four different methods—fuzzy sets, recurrent and...
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The trajectories of the financial crisis of companies at risk of bankruptcy
PublicationThis article concerns the assessment of the trajectory of the collapse of enterprises in Central Europe. The author has developed a model of a Kohonen artificial neural network. This model was used to determine 6 different classes of risk and was allowed to graphically determine the 5- to 10-year trajectory of going bankrupt. The study used data on 140 companies listed on the Warsaw Stock Exchange. This population was divided into...
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Assessment of Trajectories of Non-bankrupt and Bankrupt Enterprises
PublicationThe aim of this study is to show how long-term trajectories of enterprises can be used to increase the forecasting horizon of bankruptcy prediction models. The author used seven popular forecasting models (two from Europe, two from Asia, two from North America and one from Latin America). These models (five multivariate discriminant analysis models and two logit models) were used to develop 17-year trajectories separately for non-bankrupt...
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‘Personas for lighting’. Three methods to develop personas for the indoor lighting environment
PublicationThe objective of this research is to describe and compare three different methods of generating ‘persona for lighting’ to envision users’ behaviour within the lighting environment. ‘Personas’ are used to represent typical users, highlighting their needs, perspectives, and expectations to aid user-centric design approaches. The researchers looked for the most useful method of shaping ‘personas for lighting’ to learn about users’...
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Consumer Bankruptcy Prediction Using Balanced and Imbalanced Data
PublicationThis paper examines the usefulness of logit regression in forecasting the consumer bankruptcy of households using an imbalanced dataset. The research on consumer bankruptcy prediction is of paramount importance as it aims to build statistical models that can identify consumers in a difficult financial situation that may lead to consumer bankruptcy. In the face of the current global pandemic crisis, the future of household finances...
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The impact of bankruptcy regimes on entrepreneurship and innovation. Is there any relationship?
PublicationThe literature review indicates that bankruptcy law may play an important role in and be one of the factors infuencing the development of entrepreneurship, innovation, and thus economic growth, among other things. In previous studies, the analysis of the impact of bankruptcy law on individual variables has been conducted independently. Our aim was to conduct a holistic analysis, taking several factors into account simultaneously....
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Evaluation of the factors influencing business bankruptcy risk in Poland
PublicationThis article is devoted to the issue of assessing the causes of business failure. The presented studies answer two research questions – what are the causes of corporate bankruptcies in Poland and how to more efectively predict the scale of bankruptcies in the country. The author has conducted a study to analyze the specic endogenous and exogenous causes of company bankruptcy depending on the type of the bankruptcy with consideration...
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Multimodal Surveillance Based Personal Protection System
PublicationA novel, multimodal approach for automatic detection of abduction of a protected individual, employing dedicated personal protection device and a city monitoring system is proposed and overviewed. The solution is based on combining four modalities (signals coming from: Bluetooth, fixed and PTZ cameras, thermal camera, acoustic sensors). The Bluetooth signal is used continuously to monitor the protected person presence, and in case...
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Personal adaptive tuning of mobile computer audio
PublicationAn integrated methodology for enhancing audio quality in mobile computers is presented. The key features are adaptation of the characteristics of the acoustic track to the changing conditions and to the user's individual preferences. Original signal processing algorithms are introduced, which concern: linearization of frequency response, dialogue intelligibility enhancement and dynamics processing tuned up to the user's preferences....
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Adaptive Personal Tuning of Sound in Mobile Computers
PublicationAn integrated methodology for enhancing audio quality in mobile computers is presented. The key features are adaptation of the characteristics of their acoustic track to changing acoustic conditions of the environment and to users’ individual preferences. Signal processing algorithms are introduced that concern: linearization of frequency response, dialogue intelligibility enhancement, and dynamics processing tuned up to the users’...
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An evaluation of effectiveness of fuzzy logic model in predicting the business bankruptcy
PublicationW artykule sprawdzono skuteczność pojedynczego modelu logiki rozmytej w prognozowaniu ryzyka upadłości przedsiębiorstw w Polsce. W badaniach wykorzystano wartości 14 wskaźników finansowych oraz ich dynamikę zmiany między pierwszym a drugim, drugim a trzecim oraz trzecim a czwartym rokiem objętymi analizą. We wnioskach omówiono różnicę w skutecznościach modelu uzyskanego na wartościach statycznych oraz dynamicznych wskaźników finansowych....
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CORPORATE BANKRUPTCY PREDICTION IN POLAND AGAINST THE BACKGROUND OF FOREIGN EXPERIENCE
PublicationIn highly developed countries, research in the field of bankruptcy risk prediction has been conducted for many years. For example, in the United States, which can be considered a pioneering country, the first publications appeared in the early twentieth century. In Poland, due to political and economic reasons, the interest in this issue dates back to the early 1990s. For this reason, this publication attempts to answer the following...
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CORPORATE BANKRUPTCY PREDICTION IN POLAND AGAINST THE BACKGROUND OF FOREIGN EXPERIENCE
PublicationIn highly developed countries, research in the field of bankruptcy risk prediction has been conducted for many years. For example, in the United States, which can be considered a pioneering country, the first publications appeared in the early twentieth century. In Poland, due to political and economic reasons, the interest in this issue dates back to the early 1990s. For this reason, this publication attempts to answer the following...
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Ceramics, Glass and Glass-Ceramics for Personal Radiation Detectors
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Personal branding of artists and art-designers: necessity or desire?
PublicationPurpose Personal branding becomes a new in-demand skill for all professionals today. To be well-known helps to achieve success in the networked business environment. Personal relationships and a good reputation in the reality of network economy help young artists and art designers move up the career ladder. This paper aims to discuss a problem of artists who often find it difficult to define their artistic and self-distinction...
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LONG-TERM RISK CLASS MIGRATIONS OF NON-BANKRUPT AND BANKRUPT ENTERPRISES
PublicationThis paper investigates how the process of going bankrupt can be recognized much earlier by enterprises than by traditional forecasting models. The presented studies focus on the assessment of credit risk classes and on determination of the differences in risk class migrations between non-bankrupt enterprises and future insolvent firms. For this purpose, the author has developed a model of a Kohonen artificial neural network to...
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Bankruptcy Law Severity for Debtors: Comparative Analysis Among Selected Countries
PublicationPurpose: The objective of this paper is to propose the new indicator of bankruptcy law severity for debtors (BLSI-Bankruptcy Law Severity Index). On the basis of this index we conducted comparative analysis of debtor/creditor friendliness of bankruptcy laws among 27 selected countries. Design/Methodology/Approach: In the research the following methods were used: analysis of legal acts, literature review and expert method. Findings:...
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Multi-Criteria Early Warning System Against Enteprise Bankruptcy Risk
PublicationW artykule tym autor porównuje skuteczność opracowanego przez niego wielokryterialnego systemu wczesnego ostrzegania firm z tradycyjnym modelem analizy dyskryminacyjnej prognozowania upadłości. System wczesnego ostrzegania oparty został na metodzie logiki rozmytej. Badania te są jedną z pierwszych prób na świecie wykorzystania logiki rozmytej w prognozowaniu zagrożenia bankructwem firm. Uzyskane wyniki świadczą o dużym potencjale...
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Intraday price reaction to filing bankruptcy and restructuring proceedings – the evidence from Poland
PublicationThis chapter presents the results of research on the price reaction of shares listed on the Warsaw Stock Exchange to filing bankruptcy and/or restructuring applications. Event study was adopted as the research method, and it was performed at 10, 5, and 1-minute intervals. It was found that the reaction is rapid, as it takes 1–2 minutes after the information on bankruptcy and restructuring applications was made public. Significantly...
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Short-Term Price Reaction to Filing for Bankruptcy and Restructuring Proceedings—The Case of Poland
PublicationThis study aims to check market reaction to filing for bankruptcy and restructuring proceedings and to verify the short-term effect of a price reversal in the Polish market in the years 2004–2019. The research was conducted by dividing the analysed companies according to the procedure (bankruptcy and restructuring) and market (the main market and the NewConnect market). The research methodology used in the study is the event analysis...
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FORECASTING EXCHANGE RATES IN THE PROCESS OF THE ASSESSMENT OF CONSUMER RISK BANKRUPTCY IN CENTRAL EUROPE
PublicationThis paper focuses on the issue of forecasting the fluctuation of exchange rates as part of the early warning system against the risk of consumer bankruptcy. The author identified the main macroeconomic factors affecting the level of bankruptcies for households in Poland. The fluctuation of exchange rates, which directly affects the deterioration of the economic situation of borrowers who have opened credit accounts in a foreign...
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Warning systems of enterprises against the risk of bankruptcy : Artificial intelligence in financial management.
PublicationJest to tłumaczenie na jęz.angielski monografii autora z 2010 roku. Monografia została podzielona na trzy części. I tak, w części pierwszej przedstawiono ocenę przyczyn upadłości firm ze względu nie tylko na źródło (zewnętrzne lub wewnętrzne) przyczyn kłopotów finansowych przedsiębiorstw, ale także na etap kryzysu, w jakim ono się znajduje, cechy "demograficzne" organizacji i rodzaj upadłości. Zdefiniowano również czynniki wpływające...
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Review of Research into Enterprise Bankruptcy Prediction in Selected Central and Eastern European Countries
PublicationIn developed countries, the first studies on forecasting bankruptcy date to the early 20th century. In Central and Eastern Europe, due to, among other factors, the geopolitical situation and the introduced economic system, this issue became the subject of researcher interest only in the 1990s. Therefore, it is worthwhile to analyze whether these countries conduct bankruptcy risk assessments and what their level of advancement is....
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Bankruptcy system model and efficiency versus the entrepreneurship and innovation in selected European countries
Publicationmodel and its efficiency on the development of entrepreneurship and innovation in selected European countries and Turkey. This goal was achieved by examining the relationships between debtor-friendliness of the bankruptcy law model and its efficiency on one side and entrepreneurship and innovation on the other. The cross-sectional ANOVA test and OLS regression method were chosen as the research method. In order to verify the research...
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Implementing artificial intelligence in forecasting the risk of personal bankruptcies in Poland and Taiwan
PublicationResearch background: The global financial crisis from 2007 to 2012, the COVID-19 pandemic, and the current war in Ukraine have dramatically increased the risk of consumer bankruptcies worldwide. All three crises negatively impact the financial situation of households due to increased interest rates, inflation rates, volatile exchange rates, and other significant macroeconomic factors. Financial difficulties may arise when the...
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Strategia personalna firm.
PublicationW artykule zanalizowano wpływ strategii personalnej na zarządzanie przedsiębiorstwem. Przedstawiono substrategie personalne praktykowane przez polskie firmy.
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Analysis of Efficiency of Thermoelectric Personal Cooling System Based on Utility Tests
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Modified Polymer Materials for Use in Selected Personal Protective Equipment Products
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Investigation on domestic fruits seed oils in personal care emulsion systems
PublicationThe use of fruit seed oils in personal care products is of significance to both their function and image. Poland is an important processor of fruit products within the EU, and thus has a large availability of seeds from domestic fruits, which are normally considered to be a waste material. Unfortunately, current literature is scarce of the suitability of these oils for topical use in the form of cosmetic emulsions. Published data...
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Selfie and Personal Branding Phenomena in the Context of the Network Economy. A Literature Review
PublicationSelf-taken pictures called “selfies” shared in social media have become a worldwide phenomenon. This is due to the increased need of human being to share to other people their daily lives and to build their own personal brand in the networked world. Despite that, the subject of personal branding has not been sufficiently discussed in academic marketing literature over the past decade. The objective of the study is to present the...
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Analytical techniques in studies of the environmental fate of pharmaceuticals and personal-care products
PublicationW pracy przedstawiono dane literaturowe odnośnie źródeł emisji, dróg transportu, przemian i metabolizmu, pomiomu stężeń ksenobiotyków z grupy farmaceutyków i środków higieny osobistej w próbkach pobranych z różnych elementów środowiska (woda, gleba, osady denne) oraz próbek bioty. Szczególną uwagę zwrócono na techniki analityczne wykorzystywane w badaniach losu środowiskowego w/w zanieczyszczeń.
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Personal Entrepreneurial Potential in the Opinion of Young Women Entering the Labor Market
PublicationIn the current economic situation in Europe the need to stimulate entrepreneurship, with the special attention to develop the entrepreneurship among women, is clearly emphasized. The action is mostly taken to encourage the use of internal potential of possible future entrepreneurs. Do we know what the potential really is ? The presented article deals with the issues of women's entrepreneurship, demonstrating results of self assessment...
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Personal Brand Value and Social Media, the Top Football Players’ Case
PublicationPersonal branding valuation and social media usage are new and empirically unexplored areas of research. The aim of the presented study is to determine how social media performance and sentiment are related to the value of a personal brand. Based on an example of 100 most valuable football players, in reference to transfermarkt.com and the sentione.com (sentiment analysis), the author points out the strongest...
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Exploring the influence of personal factors on physiological responses to mental imagery in sport
PublicationImagery is a well-known technique in mental training which improves performance efficiency and influences physiological arousal. One of the biomarkers indicating the amount of physiological arousal is skin conductance level (SCL). The aim of our study is to understand how individual differences in personality (e.g. neuroticism), general imagery and situational sport anxiety are linked to arousal measuring with SCL in situational...
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The efficiency of bankruptcy proceedings and the severity of insolvency regulations in view of the implementation of the New Opportunity Policy
PublicationThe article investigates the relationship between the efficiency of insolvency proceedings, as measured by their duration, and measures the severity of bankruptcy law toward debtors in 27 countries, of which 23 are EU. This objective was achieved using quantitative methods – Pearson’s correlation, pooled panel regression and Granger causality. Research shows no direct correlation between the two variables mentioned above. The increase...
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Early warning models against bankruptcy risk for Central European and Latin American enterprises
PublicationThis article is devoted to the issue of forecasting the bankruptcy risk of enterprises in Latin America and Central Europe. The author has used statistical and soft computing methods to program the prediction models. It compares the effectiveness of twelve different early warningmodels for forecasting the bankruptcy risk of companies. In the research conducted, the author used data on 185 companies listed on the Warsaw Stock Exchange...
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Sanctions and their role in preventing the appropriation of the creditor’s property rights in bankruptcy proceedings–the case of Poland
PublicationThe aim of this paper is to fill the cognitive gap regarding the role of sanc-tions in the protection of a creditor’s property rights in the event of an entrepreneur insolvency. The impact of sanctions on transaction costs, including their identifica-tion and types, as well as the impact on the protection of creditor rights, has been poorly recognized in the subject literature to date. This article investigates...
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The role of stakeholders on rejection of bankruptcy applications in the case of “poverty” of the estate: A Polish case study
PublicationThe aim of this article is to supplement the Law and Economics area of science with regard to the scope of the ex ante effectiveness of bankruptcy law using the example of Poland. Bankruptcy law is effective in the ex ante stage when it eliminates from the market insolvent entrepreneurs who cannot even afford to cover the costs of bankruptcy proceedings. In these cases, the bankruptcy court should dismiss the petition for bankruptcy...
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Reasons for the discontinuation of therapy of personal insulin pump in children with type 1 diabetes
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Personal Branding in the Knowledge Economy: The Inter-relationship between Corporate and Employee Brands
Publicationhttps://www.taylorfrancis.com/books/mono/10.4324/9781003178248/personal-branding-knowledge-economy-wioleta-kucharska
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The role of case studies and management experience in the education and personal developement of IT project managers
PublicationThe purpose of this article is to indicate the need for project management experience and knowledge in order to improve the competence of IT project managers. In the first part of the article there is shown the impact of experience on the development of project management skills. Also the need for having historical data about the projects - in order to make better project decisions - is shown in the article.In the following parts...
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Integration of inertial sensors and GPS system data for the personal navigation in urban area
PublicationGPS and Inertial Navigation Systems (INS) have complementary properties and they are therefore well suited for integration. The integrated solution offers better long-term accuracy than a stand-alone INS and better integrity, availability and continuity or a stand-alone GPS receiver, making it suitable for demanding applications. The complementary features of INS and GPS are the main reasons why integrated GPS/INS systems are becoming...