id sid tid token lemma pos consilience-4590 1 1 microsoft microsoft PROPN consilience-4590 1 2 word word NOUN consilience-4590 1 3 229 229 NUM consilience-4590 1 4 - - SYM consilience-4590 1 5 1056 1056 NUM consilience-4590 1 6 - - PUNCT consilience-4590 1 7 2 2 NUM consilience-4590 1 8 - - PUNCT consilience-4590 1 9 sp sp NOUN consilience-4590 1 10 ( ( PUNCT consilience-4590 1 11 1 1 NUM consilience-4590 1 12 ) ) PUNCT consilience-4590 1 13 . . PUNCT consilience-4590 2 1 20150122docx.docx 20150122docx.docx NUM consilience-4590 2 2 consilience consilience NOUN consilience-4590 2 3 : : PUNCT consilience-4590 2 4 the the DET consilience-4590 2 5 journal journal NOUN consilience-4590 2 6 of of ADP consilience-4590 2 7 sustainable sustainable ADJ consilience-4590 2 8 development development NOUN consilience-4590 2 9 vol vol NOUN consilience-4590 2 10 . . PROPN consilience-4590 2 11 7 7 NUM consilience-4590 2 12 , , PUNCT consilience-4590 2 13 iss iss PROPN consilience-4590 2 14 . . PROPN consilience-4590 2 15 1 1 NUM consilience-4590 2 16 ( ( PUNCT consilience-4590 2 17 2012 2012 NUM consilience-4590 2 18 ) ) PUNCT consilience-4590 2 19 , , PUNCT consilience-4590 2 20 pp pp ADP consilience-4590 2 21 . . PUNCT consilience-4590 3 1 17–32 17–32 NUM consilience-4590 3 2     SPACE consilience-4590 3 3 building build VERB consilience-4590 3 4 a a DET consilience-4590 3 5 credit credit NOUN consilience-4590 3 6 scoring scoring NOUN consilience-4590 3 7 model model NOUN consilience-4590 3 8 for for ADP consilience-4590 3 9 the the DET consilience-4590 3 10 savings saving NOUN consilience-4590 3 11 and and CCONJ consilience-4590 3 12 credit credit NOUN consilience-4590 3 13 mutual mutual NOUN consilience-4590 3 14 of of ADP consilience-4590 3 15 the the DET consilience-4590 3 16 potou potou ADJ consilience-4590 3 17 zone zone NOUN consilience-4590 3 18 ( ( PUNCT consilience-4590 3 19 meczop)/senegal meczop)/senegal ADJ consilience-4590 3 20 ousséni ousséni NOUN consilience-4590 3 21 kinda kinda ADV consilience-4590 3 22 cheikh cheikh PROPN consilience-4590 3 23 anta anta PROPN consilience-4590 3 24 diop diop PROPN consilience-4590 3 25 university university PROPN consilience-4590 3 26 ousconnect@gmail.com ousconnect@gmail.com PROPN consilience-4590 4 1 audrey audrey PROPN consilience-4590 4 2 achonu achonu PROPN consilience-4590 4 3 columbia columbia PROPN consilience-4590 4 4 university university PROPN consilience-4590 4 5 aia2110@columbia.edu aia2110@columbia.edu PROPN consilience-4590 5 1 abstract abstract ADJ consilience-4590 5 2 this this DET consilience-4590 5 3 article article NOUN consilience-4590 5 4 explores explore VERB consilience-4590 5 5 the the DET consilience-4590 5 6 management management NOUN consilience-4590 5 7 of of ADP consilience-4590 5 8 risk risk NOUN consilience-4590 5 9 credit credit NOUN consilience-4590 5 10 in in ADP consilience-4590 5 11 a a DET consilience-4590 5 12 savings saving NOUN consilience-4590 5 13 and and CCONJ consilience-4590 5 14 credit credit NOUN consilience-4590 5 15 mutual mutual NOUN consilience-4590 5 16 in in ADP consilience-4590 5 17 a a DET consilience-4590 5 18 rural rural ADJ consilience-4590 5 19 community community NOUN consilience-4590 5 20 in in ADP consilience-4590 5 21 senegal senegal PROPN consilience-4590 5 22 . . PUNCT consilience-4590 6 1 using use VERB consilience-4590 6 2 a a DET consilience-4590 6 3 logit logit NOUN consilience-4590 6 4 model model NOUN consilience-4590 6 5 , , PUNCT consilience-4590 6 6 we we PRON consilience-4590 6 7 built build VERB consilience-4590 6 8 a a DET consilience-4590 6 9 credit credit NOUN consilience-4590 6 10 scoring scoring NOUN consilience-4590 6 11 model model NOUN consilience-4590 6 12 for for ADP consilience-4590 6 13 this this DET consilience-4590 6 14 mutual mutual NOUN consilience-4590 6 15 . . PUNCT consilience-4590 7 1 there there PRON consilience-4590 7 2 are be VERB consilience-4590 7 3 three three NUM consilience-4590 7 4 main main ADJ consilience-4590 7 5 models model NOUN consilience-4590 7 6 of of ADP consilience-4590 7 7 scoring scoring NOUN consilience-4590 7 8 . . PUNCT consilience-4590 8 1 the the DET consilience-4590 8 2 principal principal ADJ consilience-4590 8 3 advantage advantage NOUN consilience-4590 8 4 of of ADP consilience-4590 8 5 the the DET consilience-4590 8 6 regression regression NOUN consilience-4590 8 7 model model NOUN consilience-4590 8 8 is be AUX consilience-4590 8 9 that that SCONJ consilience-4590 8 10 it it PRON consilience-4590 8 11 clearly clearly ADV consilience-4590 8 12 shows show VERB consilience-4590 8 13 the the DET consilience-4590 8 14 link link NOUN consilience-4590 8 15 between between ADP consilience-4590 8 16 credit credit NOUN consilience-4590 8 17 risk risk NOUN consilience-4590 8 18 and and CCONJ consilience-4590 8 19 its its PRON consilience-4590 8 20 characteristics characteristic NOUN consilience-4590 8 21 , , PUNCT consilience-4590 8 22 and and CCONJ consilience-4590 8 23 hence hence ADV consilience-4590 8 24 , , PUNCT consilience-4590 8 25 has have VERB consilience-4590 8 26 a a DET consilience-4590 8 27 strong strong ADJ consilience-4590 8 28 predictive predictive ADJ consilience-4590 8 29 power power NOUN consilience-4590 8 30 . . PUNCT consilience-4590 9 1 our our PRON consilience-4590 9 2 findings finding NOUN consilience-4590 9 3 show show VERB consilience-4590 9 4 that that SCONJ consilience-4590 9 5 the the DET consilience-4590 9 6 variables variable NOUN consilience-4590 9 7 age age NOUN consilience-4590 9 8 , , PUNCT consilience-4590 9 9 age age NOUN consilience-4590 9 10 - - PUNCT consilience-4590 9 11 squared square VERB consilience-4590 9 12 , , PUNCT consilience-4590 9 13 gender gender NOUN consilience-4590 9 14 reimbursement reimbursement NOUN consilience-4590 9 15 history history NOUN consilience-4590 9 16 , , PUNCT consilience-4590 9 17 guarantee guarantee NOUN consilience-4590 9 18 and and CCONJ consilience-4590 9 19 frequency frequency NOUN consilience-4590 9 20 of of ADP consilience-4590 9 21 reimbursement reimbursement NOUN consilience-4590 9 22 are be AUX consilience-4590 9 23 all all ADV consilience-4590 9 24 statistically statistically ADV consilience-4590 9 25 significant significant ADJ consilience-4590 9 26 in in ADP consilience-4590 9 27 regards regard NOUN consilience-4590 9 28 to to ADP consilience-4590 9 29 their their PRON consilience-4590 9 30 relationship relationship NOUN consilience-4590 9 31 with with ADP consilience-4590 9 32 the the DET consilience-4590 9 33 probability probability NOUN consilience-4590 9 34 of of ADP consilience-4590 9 35 repayment repayment NOUN consilience-4590 9 36 in in ADP consilience-4590 9 37 the the DET consilience-4590 9 38 logit logit PROPN consilience-4590 9 39 model model NOUN consilience-4590 9 40 . . PUNCT consilience-4590 10 1 this this DET consilience-4590 10 2 informative informative ADJ consilience-4590 10 3 credit credit NOUN consilience-4590 10 4 scoring scoring NOUN consilience-4590 10 5 model model NOUN consilience-4590 10 6 developed develop VERB consilience-4590 10 7 for for ADP consilience-4590 10 8 meczop meczop PROPN consilience-4590 10 9 allows allow VERB consilience-4590 10 10 for for ADP consilience-4590 10 11 an an DET consilience-4590 10 12 assessment assessment NOUN consilience-4590 10 13 of of ADP consilience-4590 10 14 variables variable NOUN consilience-4590 10 15 that that PRON consilience-4590 10 16 influence influence VERB consilience-4590 10 17 significantly significantly ADV consilience-4590 10 18 late late ADJ consilience-4590 10 19 reimbursement reimbursement NOUN consilience-4590 10 20 ; ; PUNCT consilience-4590 10 21 however however ADV consilience-4590 10 22 , , PUNCT consilience-4590 10 23 it it PRON consilience-4590 10 24 needs need VERB consilience-4590 10 25 to to PART consilience-4590 10 26 be be AUX consilience-4590 10 27 tested test VERB consilience-4590 10 28 on on ADP consilience-4590 10 29 old old ADJ consilience-4590 10 30 clients client NOUN consilience-4590 10 31 and and CCONJ consilience-4590 10 32 new new ADJ consilience-4590 10 33 borrowers borrower NOUN consilience-4590 10 34 . . PUNCT consilience-4590 11 1 author author NOUN consilience-4590 11 2 ’s ’s PART consilience-4590 11 3 note note NOUN consilience-4590 11 4 ousséni ousséni NOUN consilience-4590 11 5 kinda kinda ADV consilience-4590 11 6 holds hold VERB consilience-4590 11 7 a a DET consilience-4590 11 8 master master NOUN consilience-4590 11 9 ’s ’s PART consilience-4590 11 10 degree degree NOUN consilience-4590 11 11 in in ADP consilience-4590 11 12 economics economic NOUN consilience-4590 11 13 and and CCONJ consilience-4590 11 14 is be AUX consilience-4590 11 15 currently currently ADV consilience-4590 11 16 pursuing pursue VERB consilience-4590 11 17 a a DET consilience-4590 11 18 master master NOUN consilience-4590 11 19 of of ADP consilience-4590 11 20 public public ADJ consilience-4590 11 21 administration administration NOUN consilience-4590 11 22 in in ADP consilience-4590 11 23 development development NOUN consilience-4590 11 24 practice practice NOUN consilience-4590 11 25 at at ADP consilience-4590 11 26 cheikh cheikh PROPN consilience-4590 11 27 anta anta PROPN consilience-4590 11 28 diop diop PROPN consilience-4590 11 29 university university PROPN consilience-4590 11 30 . . PUNCT consilience-4590 12 1 he he PRON consilience-4590 12 2 has have AUX consilience-4590 12 3 participated participate VERB consilience-4590 12 4 in in ADP consilience-4590 12 5 field field NOUN consilience-4590 12 6 work work NOUN consilience-4590 12 7 at at ADP consilience-4590 12 8 the the DET consilience-4590 12 9 millennium millennium NOUN consilience-4590 12 10 villages village NOUN consilience-4590 12 11 project project NOUN consilience-4590 12 12 in in ADP consilience-4590 12 13 potou potou NOUN consilience-4590 12 14 , , PUNCT consilience-4590 12 15 senegal senegal ADJ consilience-4590 12 16 addressing address VERB consilience-4590 12 17 issues issue NOUN consilience-4590 12 18 of of ADP consilience-4590 12 19 microinsurance microinsurance NOUN consilience-4590 12 20 and and CCONJ consilience-4590 12 21 microcredit microcredit NOUN consilience-4590 12 22 . . PUNCT consilience-4590 13 1 he he PRON consilience-4590 13 2 is be AUX consilience-4590 13 3 interested interested ADJ consilience-4590 13 4 in in ADP consilience-4590 13 5 further far ADV consilience-4590 13 6 conducting conduct VERB consilience-4590 13 7 research research NOUN consilience-4590 13 8 on on ADP consilience-4590 13 9 economic economic ADJ consilience-4590 13 10 diversification diversification NOUN consilience-4590 13 11 and and CCONJ consilience-4590 13 12 more more ADV consilience-4590 13 13 generally generally ADV consilience-4590 13 14 on on ADP consilience-4590 13 15 issues issue NOUN consilience-4590 13 16 of of ADP consilience-4590 13 17 sustainable sustainable ADJ consilience-4590 13 18 development development NOUN consilience-4590 13 19 . . PUNCT consilience-4590 14 1 audrey audrey PROPN consilience-4590 14 2 achonu achonu PROPN consilience-4590 14 3 is be AUX consilience-4590 14 4 currently currently ADV consilience-4590 14 5 pursuing pursue VERB consilience-4590 14 6 a a DET consilience-4590 14 7 master master NOUN consilience-4590 14 8 of of ADP consilience-4590 14 9 public public ADJ consilience-4590 14 10 administration administration NOUN consilience-4590 14 11 in in ADP consilience-4590 14 12 development development NOUN consilience-4590 14 13 practice practice NOUN consilience-4590 14 14 at at ADP consilience-4590 14 15 columbia columbia PROPN consilience-4590 14 16 university university PROPN consilience-4590 14 17 . . PUNCT consilience-4590 15 1 she she PRON consilience-4590 15 2 recently recently ADV consilience-4590 15 3 interned intern VERB consilience-4590 15 4 at at ADP consilience-4590 15 5 the the DET consilience-4590 15 6 millennium millennium NOUN consilience-4590 15 7 village village NOUN consilience-4590 15 8 project project NOUN consilience-4590 15 9 in in ADP consilience-4590 15 10 potou potou NOUN consilience-4590 15 11 , , PUNCT consilience-4590 15 12 senegal senegal ADJ consilience-4590 15 13 where where SCONJ consilience-4590 15 14 the the DET consilience-4590 15 15 study study NOUN consilience-4590 15 16 was be AUX consilience-4590 15 17 conducted conduct VERB consilience-4590 15 18 . . PUNCT consilience-4590 16 1 she she PRON consilience-4590 16 2 holds hold VERB consilience-4590 16 3 a a DET consilience-4590 16 4 bachelor bachelor NOUN consilience-4590 16 5 ’s ’s PART consilience-4590 16 6 degree degree NOUN consilience-4590 16 7 in in ADP consilience-4590 16 8 economics economic NOUN consilience-4590 16 9 with with ADP consilience-4590 16 10 a a DET consilience-4590 16 11 minor minor ADJ consilience-4590 16 12 in in ADP consilience-4590 16 13 political political ADJ consilience-4590 16 14 science science NOUN consilience-4590 16 15 , , PUNCT consilience-4590 16 16 audrey audrey PROPN consilience-4590 16 17 hopes hope VERB consilience-4590 16 18 to to PART consilience-4590 16 19 continue continue VERB consilience-4590 16 20 working work VERB consilience-4590 16 21 on on ADP consilience-4590 16 22 how how SCONJ consilience-4590 16 23 to to PART consilience-4590 16 24 foster foster VERB consilience-4590 16 25 economic economic ADJ consilience-4590 16 26 growth growth NOUN consilience-4590 16 27 at at ADP consilience-4590 16 28 the the DET consilience-4590 16 29 macro macro NOUN consilience-4590 16 30 and and CCONJ consilience-4590 16 31 micro micro NOUN consilience-4590 16 32 - - NOUN consilience-4590 16 33 level level NOUN consilience-4590 16 34 , , PUNCT consilience-4590 16 35 ensuring ensure VERB consilience-4590 16 36 that that SCONJ consilience-4590 16 37 growth growth NOUN consilience-4590 16 38 occurs occur VERB consilience-4590 16 39 at at ADP consilience-4590 16 40 all all DET consilience-4590 16 41 levels level NOUN consilience-4590 16 42 of of ADP consilience-4590 16 43 development development NOUN consilience-4590 16 44 . . PUNCT consilience-4590 17 1 keywords keyword NOUN consilience-4590 17 2 : : PUNCT consilience-4590 17 3 credit credit NOUN consilience-4590 17 4 scoring scoring NOUN consilience-4590 17 5 model model NOUN consilience-4590 17 6 , , PUNCT consilience-4590 17 7 late late ADJ consilience-4590 17 8 reimbursement reimbursement NOUN consilience-4590 17 9 , , PUNCT consilience-4590 17 10 savings saving NOUN consilience-4590 17 11 , , PUNCT consilience-4590 17 12 credit credit NOUN consilience-4590 17 13 mutual mutual NOUN consilience-4590 17 14 . . PUNCT consilience-4590 18 1 1 1 X consilience-4590 18 2 . . X consilience-4590 18 3 introduction introduction NOUN consilience-4590 18 4 sustainable sustainable ADJ consilience-4590 18 5 growth growth NOUN consilience-4590 18 6 in in ADP consilience-4590 18 7 africa africa PROPN consilience-4590 18 8 requires require VERB consilience-4590 18 9 facilitating facilitate VERB consilience-4590 18 10 the the DET consilience-4590 18 11 poor poor ADJ consilience-4590 18 12 ’s ’s PART consilience-4590 18 13 access access NOUN consilience-4590 18 14 to to ADP consilience-4590 18 15 financial financial ADJ consilience-4590 18 16 resources resource NOUN consilience-4590 18 17 . . PUNCT consilience-4590 19 1 although although SCONJ consilience-4590 19 2 microfinance microfinance NOUN consilience-4590 19 3 in in ADP consilience-4590 19 4 west west PROPN consilience-4590 19 5 africa africa PROPN consilience-4590 19 6 continues continue VERB consilience-4590 19 7 to to PART consilience-4590 19 8 grow grow VERB consilience-4590 19 9 , , PUNCT consilience-4590 19 10 it it PRON consilience-4590 19 11 makes make VERB consilience-4590 19 12 up up ADP consilience-4590 19 13 only only ADV consilience-4590 19 14 7 7 NUM consilience-4590 19 15 - - SYM consilience-4590 19 16 8 8 NUM consilience-4590 19 17 % % NOUN consilience-4590 19 18 of of ADP consilience-4590 19 19 the the DET consilience-4590 19 20 financial financial ADJ consilience-4590 19 21 system system NOUN consilience-4590 19 22 comprised comprise VERB consilience-4590 19 23 of of ADP consilience-4590 19 24 loans loan NOUN consilience-4590 19 25 and and CCONJ consilience-4590 19 26 savings saving NOUN consilience-4590 19 27 ( ( PUNCT consilience-4590 19 28 cgap cgap NOUN consilience-4590 19 29 , , PUNCT consilience-4590 19 30 2011 2011 NUM consilience-4590 19 31 ) ) PUNCT consilience-4590 19 32 . . PUNCT consilience-4590 20 1 there there PRON consilience-4590 20 2 remain remain VERB consilience-4590 20 3 considerable considerable ADJ consilience-4590 20 4 hurdles hurdle NOUN consilience-4590 20 5 that that PRON consilience-4590 20 6 affect affect VERB consilience-4590 20 7 and and CCONJ consilience-4590 20 8 prevent prevent VERB consilience-4590 20 9 the the DET consilience-4590 20 10 sector sector NOUN consilience-4590 20 11 from from ADP consilience-4590 20 12 growing grow VERB consilience-4590 20 13 , , PUNCT consilience-4590 20 14 namely namely ADV consilience-4590 20 15 poor poor ADJ consilience-4590 20 16 governance governance NOUN consilience-4590 20 17 , , PUNCT consilience-4590 20 18 weak weak ADJ consilience-4590 20 19 internal internal ADJ consilience-4590 20 20 control control NOUN consilience-4590 20 21 , , PUNCT consilience-4590 20 22 low low ADJ consilience-4590 20 23 capitalization capitalization NOUN consilience-4590 20 24 , , PUNCT consilience-4590 20 25 poor poor ADJ consilience-4590 20 26 performance performance NOUN consilience-4590 20 27 and and CCONJ consilience-4590 20 28 insufficient insufficient ADJ consilience-4590 20 29 management management NOUN consilience-4590 20 30 of of ADP consilience-4590 20 31 credit credit NOUN consilience-4590 20 32 risk risk NOUN consilience-4590 20 33 . . PUNCT consilience-4590 21 1 consilience consilience NOUN consilience-4590 21 2 kinda kinda NOUN consilience-4590 21 3 : : PUNCT consilience-4590 21 4 credit credit NOUN consilience-4590 21 5 scoring scoring NOUN consilience-4590 21 6 model model NOUN consilience-4590 21 7 18 18 NUM consilience-4590 21 8         SPACE consilience-4590 21 9 there there PRON consilience-4590 21 10 are be VERB consilience-4590 21 11 many many ADJ consilience-4590 21 12 ways way NOUN consilience-4590 21 13 to to PART consilience-4590 21 14 tackle tackle VERB consilience-4590 21 15 the the DET consilience-4590 21 16 problem problem NOUN consilience-4590 21 17 of of ADP consilience-4590 21 18 credit credit NOUN consilience-4590 21 19 risk risk NOUN consilience-4590 21 20 , , PUNCT consilience-4590 21 21 such such ADJ consilience-4590 21 22 as as ADP consilience-4590 21 23 through through ADP consilience-4590 21 24 the the DET consilience-4590 21 25 development development NOUN consilience-4590 21 26 of of ADP consilience-4590 21 27 a a DET consilience-4590 21 28 credit credit NOUN consilience-4590 21 29 scoring scoring NOUN consilience-4590 21 30 model model NOUN consilience-4590 21 31 that that PRON consilience-4590 21 32 will will AUX consilience-4590 21 33 allow allow VERB consilience-4590 21 34 for for ADP consilience-4590 21 35 forecasting forecasting NOUN consilience-4590 21 36 of of ADP consilience-4590 21 37 the the DET consilience-4590 21 38 probability probability NOUN consilience-4590 21 39 that that SCONJ consilience-4590 21 40 a a DET consilience-4590 21 41 loan loan NOUN consilience-4590 21 42 is be AUX consilience-4590 21 43 not not PART consilience-4590 21 44 reimbursed reimburse VERB consilience-4590 21 45 . . PUNCT consilience-4590 22 1 in in ADP consilience-4590 22 2 the the DET consilience-4590 22 3 context context NOUN consilience-4590 22 4 of of ADP consilience-4590 22 5 this this DET consilience-4590 22 6 study study NOUN consilience-4590 22 7 we we PRON consilience-4590 22 8 examine examine VERB consilience-4590 22 9 the the DET consilience-4590 22 10 case case NOUN consilience-4590 22 11 of of ADP consilience-4590 22 12 the the DET consilience-4590 22 13 microfinance microfinance NOUN consilience-4590 22 14 institution institution NOUN consilience-4590 22 15 meczop1 meczop1 NOUN consilience-4590 22 16 in in ADP consilience-4590 22 17 potou potou NOUN consilience-4590 22 18 , , PUNCT consilience-4590 22 19 senegal senegal ADJ consilience-4590 22 20 and and CCONJ consilience-4590 22 21 develop develop VERB consilience-4590 22 22 a a DET consilience-4590 22 23 credit credit NOUN consilience-4590 22 24 scoring scoring NOUN consilience-4590 22 25 model model NOUN consilience-4590 22 26 that that PRON consilience-4590 22 27 can can AUX consilience-4590 22 28 be be AUX consilience-4590 22 29 used use VERB consilience-4590 22 30 to to PART consilience-4590 22 31 limit limit VERB consilience-4590 22 32 credit credit NOUN consilience-4590 22 33 risk risk NOUN consilience-4590 22 34 . . PUNCT consilience-4590 23 1 figure figure NOUN consilience-4590 23 2 1 1 NUM consilience-4590 23 3 : : PUNCT consilience-4590 23 4 credit credit NOUN consilience-4590 23 5 scoring scoring NOUN consilience-4590 23 6 process process NOUN consilience-4590 23 7 source source NOUN consilience-4590 23 8 : : PUNCT consilience-4590 23 9 adapted adapt VERB consilience-4590 23 10 from from ADP consilience-4590 23 11 liu liu PROPN consilience-4590 23 12 yang yang PROPN consilience-4590 23 13 , , PUNCT consilience-4590 23 14 new new ADJ consilience-4590 23 15 issues issue NOUN consilience-4590 23 16 in in ADP consilience-4590 23 17 credit credit NOUN consilience-4590 23 18 scoring scoring NOUN consilience-4590 23 19 application application NOUN consilience-4590 23 20 , , PUNCT consilience-4590 23 21 2001 2001 NUM consilience-4590 23 22     SPACE consilience-4590 23 23 2 2 NUM consilience-4590 23 24 . . PUNCT consilience-4590 23 25 credit credit NOUN consilience-4590 23 26 - - PUNCT consilience-4590 23 27 scoring scoring NOUN consilience-4590 23 28 model model NOUN consilience-4590 23 29 scoring scoring NOUN consilience-4590 23 30 can can AUX consilience-4590 23 31 be be AUX consilience-4590 23 32 defined define VERB consilience-4590 23 33 as as ADP consilience-4590 23 34 the the DET consilience-4590 23 35 use use NOUN consilience-4590 23 36 of of ADP consilience-4590 23 37 the the DET consilience-4590 23 38 knowledge knowledge NOUN consilience-4590 23 39 about about ADP consilience-4590 23 40 the the DET consilience-4590 23 41 performance performance NOUN consilience-4590 23 42 and and CCONJ consilience-4590 23 43 characteristics characteristic NOUN consilience-4590 23 44 of of ADP consilience-4590 23 45 past past ADJ consilience-4590 23 46 loans loan NOUN consilience-4590 23 47 to to PART consilience-4590 23 48 predict predict VERB consilience-4590 23 49 the the DET consilience-4590 23 50 performance performance NOUN consilience-4590 23 51 of of ADP consilience-4590 23 52 future future ADJ consilience-4590 23 53 loans loan NOUN consilience-4590 23 54 ( ( PUNCT consilience-4590 23 55 schreiner schreiner NOUN consilience-4590 23 56 , , PUNCT consilience-4590 23 57 2004 2004 NUM consilience-4590 23 58 , , PUNCT consilience-4590 23 59 p.2 p.2 NUM consilience-4590 23 60 ) ) PUNCT consilience-4590 23 61 . . PUNCT consilience-4590 24 1 it it PRON consilience-4590 24 2 uses use VERB consilience-4590 24 3 a a DET consilience-4590 24 4 technique technique NOUN consilience-4590 24 5 that that PRON consilience-4590 24 6 awards award NOUN consilience-4590 24 7 scores score NOUN consilience-4590 24 8 to to ADP consilience-4590 24 9 borrowers borrower NOUN consilience-4590 24 10 as as ADP consilience-4590 24 11 a a DET consilience-4590 24 12 means means NOUN consilience-4590 24 13 of of ADP consilience-4590 24 14 evaluating evaluate VERB consilience-4590 24 15 the the DET consilience-4590 24 16 performance performance NOUN consilience-4590 24 17 of of ADP consilience-4590 24 18 their their PRON consilience-4590 24 19 future future ADJ consilience-4590 24 20 loans loan NOUN consilience-4590 24 21 . . PUNCT consilience-4590 25 1 the the DET consilience-4590 25 2 scoring scoring NOUN consilience-4590 25 3 follows follow VERB consilience-4590 25 4 the the DET consilience-4590 25 5 framework framework NOUN consilience-4590 25 6 presented present VERB consilience-4590 25 7 in in ADP consilience-4590 25 8 figure figure NOUN consilience-4590 25 9 1 1 NUM consilience-4590 25 10 . . PUNCT consilience-4590 25 11 by by ADP consilience-4590 25 12 using use VERB consilience-4590 25 13 a a DET consilience-4590 25 14 borrower borrower NOUN consilience-4590 25 15 ’s ’s PART consilience-4590 25 16 credit credit NOUN consilience-4590 25 17 history history NOUN consilience-4590 25 18 , , PUNCT consilience-4590 25 19 credit credit NOUN consilience-4590 25 20 scoring scoring NOUN consilience-4590 25 21 is be AUX consilience-4590 25 22 a a DET consilience-4590 25 23 tool tool NOUN consilience-4590 25 24 that that PRON consilience-4590 25 25 supports support VERB consilience-4590 25 26 the the DET consilience-4590 25 27 decision decision NOUN consilience-4590 25 28 making make VERB consilience-4590 25 29 process process NOUN consilience-4590 25 30 , , PUNCT consilience-4590 25 31 with with ADP consilience-4590 25 32 a a DET consilience-4590 25 33 final final ADJ consilience-4590 25 34 goal goal NOUN consilience-4590 25 35 of of ADP consilience-4590 25 36 predicting predict VERB consilience-4590 25 37 the the DET consilience-4590 25 38 probability probability NOUN consilience-4590 25 39 that that SCONJ consilience-4590 25 40 a a DET consilience-4590 25 41 particular particular ADJ consilience-4590 25 42 borrower borrower NOUN consilience-4590 25 43 defaults default NOUN consilience-4590 25 44 . . PUNCT consilience-4590 26 1 the the DET consilience-4590 26 2 implementation implementation NOUN consilience-4590 26 3 of of ADP consilience-4590 26 4 a a DET consilience-4590 26 5 credit credit NOUN consilience-4590 26 6 - - PUNCT consilience-4590 26 7 scoring scoring NOUN consilience-4590 26 8 project project NOUN consilience-4590 26 9 follows follow VERB consilience-4590 26 10 the the DET consilience-4590 26 11 following follow VERB consilience-4590 26 12 process process NOUN consilience-4590 26 13 ( ( PUNCT consilience-4590 26 14 caire caire NOUN consilience-4590 26 15 et et NOUN consilience-4590 26 16 al al PROPN consilience-4590 26 17 . . PROPN consilience-4590 26 18 , , PUNCT consilience-4590 26 19 2006 2006 NUM consilience-4590 26 20 ): ): PUNCT consilience-4590 26 21 1 1 NUM consilience-4590 26 22 . . PUNCT consilience-4590 27 1 the the DET consilience-4590 27 2 definition definition NOUN consilience-4590 27 3 of of ADP consilience-4590 27 4 the the DET consilience-4590 27 5 segments segment NOUN consilience-4590 27 6 of of ADP consilience-4590 27 7 scoring scoring NOUN consilience-4590 27 8 : : PUNCT consilience-4590 27 9 identifying identify VERB consilience-4590 27 10 the the DET consilience-4590 27 11 type type NOUN consilience-4590 27 12 of of ADP consilience-4590 27 13 customers customer NOUN consilience-4590 27 14 and and CCONJ consilience-4590 27 15 products product NOUN consilience-4590 27 16 for for ADP consilience-4590 27 17 which which PRON consilience-4590 27 18 the the DET consilience-4590 27 19 scoring scoring NOUN consilience-4590 27 20 model model NOUN consilience-4590 27 21 will will AUX consilience-4590 27 22 be be AUX consilience-4590 27 23 used use VERB consilience-4590 27 24 ; ; PUNCT consilience-4590 27 25 2 2 X consilience-4590 27 26 . . X consilience-4590 27 27 selection selection NOUN consilience-4590 27 28 of of ADP consilience-4590 27 29 the the DET consilience-4590 27 30 type type NOUN consilience-4590 27 31 of of ADP consilience-4590 27 32 scorecard scorecard NOUN consilience-4590 27 33 : : PUNCT consilience-4590 27 34 there there PRON consilience-4590 27 35 are be VERB consilience-4590 27 36 three three NUM consilience-4590 27 37 basic basic ADJ consilience-4590 27 38 methods method NOUN consilience-4590 27 39 ( ( PUNCT consilience-4590 27 40 schreiner schreiner NOUN consilience-4590 27 41 , , PUNCT consilience-4590 27 42 2003 2003 NUM consilience-4590 27 43 ; ; PUNCT consilience-4590 27 44 caire caire NOUN consilience-4590 27 45 , , PUNCT consilience-4590 27 46 2004 2004 NUM consilience-4590 27 47 ; ; PUNCT consilience-4590 27 48 caire caire NOUN consilience-4590 27 49 et et PROPN consilience-4590 27 50 al al PROPN consilience-4590 27 51 . . PROPN consilience-4590 27 52 , , PUNCT consilience-4590 27 53 2006 2006 NUM consilience-4590 27 54 ; ; PUNCT consilience-4590 27 55 sur sur PROPN consilience-4590 27 56 , , PUNCT consilience-4590 27 57 2008 2008 NUM consilience-4590 27 58 ) ) PUNCT consilience-4590 27 59 , , PUNCT consilience-4590 27 60 the the DET consilience-4590 27 61 statistical statistical ADJ consilience-4590 27 62 method method NOUN consilience-4590 27 63 which which PRON consilience-4590 27 64 is be AUX consilience-4590 27 65 empirically empirically ADV consilience-4590 27 66 derived derive VERB consilience-4590 27 67 from from ADP consilience-4590 27 68 data datum NOUN consilience-4590 27 69 on on ADP consilience-4590 27 70 past past ADJ consilience-4590 27 71 loans loan NOUN consilience-4590 27 72 ; ; PUNCT consilience-4590 27 73 judgmental judgmental ADJ consilience-4590 27 74 approach approach NOUN consilience-4590 27 75 which which PRON consilience-4590 27 76 is be AUX consilience-4590 27 77 structured structure VERB consilience-4590 27 78 from from ADP consilience-4590 27 79 expert expert ADJ consilience-4590 27 80 judgment judgment NOUN consilience-4590 27 81 and and CCONJ consilience-4590 27 82 institutional institutional ADJ consilience-4590 27 83 experience experience NOUN consilience-4590 27 84 ; ; PUNCT consilience-4590 27 85 and and CCONJ consilience-4590 27 86 finally finally ADV consilience-4590 27 87 the the DET consilience-4590 27 88 hybrid hybrid NOUN consilience-4590 27 89 which which PRON consilience-4590 27 90 combines combine VERB consilience-4590 27 91 both both CCONJ consilience-4590 27 92 judgmental judgmental ADJ consilience-4590 27 93 and and CCONJ consilience-4590 27 94 statistical statistical ADJ consilience-4590 27 95 ; ; PUNCT consilience-4590 27 96 3 3 X consilience-4590 27 97 . . X consilience-4590 28 1 the the DET consilience-4590 28 2 design design NOUN consilience-4590 28 3 of of ADP consilience-4590 28 4 the the DET consilience-4590 28 5 credit credit NOUN consilience-4590 28 6 scorecard scorecard NOUN consilience-4590 28 7 : : PUNCT consilience-4590 28 8 the the DET consilience-4590 28 9 3 3 NUM consilience-4590 28 10 d d NOUN consilience-4590 28 11 ( ( PUNCT consilience-4590 28 12 definition definition NOUN consilience-4590 28 13 , , PUNCT consilience-4590 28 14 discovery discovery NOUN consilience-4590 28 15 and and CCONJ consilience-4590 28 16 development development NOUN consilience-4590 28 17 ) ) PUNCT consilience-4590 28 18 terminology terminology NOUN consilience-4590 28 19 will will AUX consilience-4590 28 20 define define VERB consilience-4590 28 21 the the DET consilience-4590 28 22 framework framework NOUN consilience-4590 28 23 used use VERB consilience-4590 28 24 in in ADP consilience-4590 28 25 this this DET consilience-4590 28 26 phase phase NOUN consilience-4590 28 27 . . PUNCT consilience-4590 28 28                                                                                                                                                                                                                                                     SPACE consilience-4590 29 1 1savings 1savings NUM consilience-4590 29 2 and and CCONJ consilience-4590 29 3 credit credit NOUN consilience-4590 29 4 mutual mutual NOUN consilience-4590 29 5 of of ADP consilience-4590 29 6 the the DET consilience-4590 29 7 potou potou PROPN consilience-4590 29 8 zone zone NOUN consilience-4590 29 9 . . PUNCT consilience-4590 30 1 credit credit NOUN consilience-4590 30 2     SPACE consilience-4590 30 3 history history NOUN consilience-4590 30 4     SPACE consilience-4590 30 5 of of ADP consilience-4590 30 6     SPACE consilience-4590 30 7 past past ADJ consilience-4590 30 8     SPACE consilience-4590 30 9 debtors debtor NOUN consilience-4590 30 10         SPACE consilience-4590 30 11 scoring score VERB consilience-4590 30 12     SPACE consilience-4590 30 13 model model NOUN consilience-4590 30 14     SPACE consilience-4590 30 15 new new ADJ consilience-4590 30 16     SPACE consilience-4590 30 17 customers customer NOUN consilience-4590 30 18         SPACE consilience-4590 30 19 building build VERB consilience-4590 30 20     SPACE consilience-4590 30 21 prediction prediction NOUN consilience-4590 30 22     SPACE consilience-4590 30 23 consilience consilience NOUN consilience-4590 30 24 kinda kinda NOUN consilience-4590 30 25 : : PUNCT consilience-4590 30 26 credit credit NOUN consilience-4590 30 27 scoring scoring NOUN consilience-4590 30 28 model model NOUN consilience-4590 30 29 19 19 NUM consilience-4590 30 30         SPACE consilience-4590 30 31 the the DET consilience-4590 30 32 financial financial ADJ consilience-4590 30 33 institution institution NOUN consilience-4590 30 34 must must AUX consilience-4590 30 35 define define VERB consilience-4590 30 36 itself itself PRON consilience-4590 30 37 what what PRON consilience-4590 30 38 it it PRON consilience-4590 30 39 considers consider VERB consilience-4590 30 40 a a DET consilience-4590 30 41 “ " PUNCT consilience-4590 30 42 bad bad ADJ consilience-4590 30 43 ” " PUNCT consilience-4590 30 44 credit credit NOUN consilience-4590 30 45 behavior behavior NOUN consilience-4590 30 46 ( ( PUNCT consilience-4590 30 47 bad bad ADJ consilience-4590 30 48 client client NOUN consilience-4590 30 49 ) ) PUNCT consilience-4590 30 50 . . PUNCT consilience-4590 31 1 bad bad ADJ consilience-4590 31 2 credit credit NOUN consilience-4590 31 3 behavior behavior NOUN consilience-4590 31 4 is be AUX consilience-4590 31 5 when when SCONJ consilience-4590 31 6 the the DET consilience-4590 31 7 borrower borrower NOUN consilience-4590 31 8 registers register VERB consilience-4590 31 9 delinquency delinquency NOUN consilience-4590 31 10 failing fail VERB consilience-4590 31 11 to to PART consilience-4590 31 12 meet meet VERB consilience-4590 31 13 his his PRON consilience-4590 31 14 obligations obligation NOUN consilience-4590 31 15 with with ADP consilience-4590 31 16 respect respect NOUN consilience-4590 31 17 to to ADP consilience-4590 31 18 the the DET consilience-4590 31 19 owed owe VERB consilience-4590 31 20 principle principle NOUN consilience-4590 31 21 and and CCONJ consilience-4590 31 22 interest interest NOUN consilience-4590 31 23 . . PUNCT consilience-4590 32 1 this this PRON consilience-4590 32 2 is be AUX consilience-4590 32 3 typically typically ADV consilience-4590 32 4 a a DET consilience-4590 32 5 client client NOUN consilience-4590 32 6 that that SCONJ consilience-4590 32 7 if if SCONJ consilience-4590 32 8 the the DET consilience-4590 32 9 mfi mfi PROPN consilience-4590 32 10 had have VERB consilience-4590 32 11 perfect perfect ADJ consilience-4590 32 12 hindsight hindsight NOUN consilience-4590 32 13 would would AUX consilience-4590 32 14 have have AUX consilience-4590 32 15 avoided avoid VERB consilience-4590 32 16 ( ( PUNCT consilience-4590 32 17 caire caire NOUN consilience-4590 32 18 et et NOUN consilience-4590 32 19 al al PROPN consilience-4590 32 20 . . PROPN consilience-4590 32 21 , , PUNCT consilience-4590 32 22 2006 2006 NUM consilience-4590 32 23 ) ) PUNCT consilience-4590 32 24 . . PUNCT consilience-4590 33 1 in in ADP consilience-4590 33 2 the the DET consilience-4590 33 3 case case NOUN consilience-4590 33 4 of of ADP consilience-4590 33 5 the the DET consilience-4590 33 6 meczop meczop PROPN consilience-4590 33 7 a a DET consilience-4590 33 8 bad bad ADJ consilience-4590 33 9 borrower borrower NOUN consilience-4590 33 10 is be AUX consilience-4590 33 11 a a DET consilience-4590 33 12 borrower borrower NOUN consilience-4590 33 13 that that PRON consilience-4590 33 14 has have AUX consilience-4590 33 15 been be AUX consilience-4590 33 16 late late ADJ consilience-4590 33 17 in in ADP consilience-4590 33 18 debt debt NOUN consilience-4590 33 19 repayments repayment NOUN consilience-4590 33 20 by by ADP consilience-4590 33 21 at at ADV consilience-4590 33 22 least least ADV consilience-4590 33 23 5 5 NUM consilience-4590 33 24 days day NOUN consilience-4590 33 25 one one NUM consilience-4590 33 26 or or CCONJ consilience-4590 33 27 more more ADJ consilience-4590 33 28 times time NOUN consilience-4590 33 29 . . PUNCT consilience-4590 34 1 the the DET consilience-4590 34 2 meczop meczop PROPN consilience-4590 34 3 starts start VERB consilience-4590 34 4 to to PART consilience-4590 34 5 calculate calculate VERB consilience-4590 34 6 penalties penalty NOUN consilience-4590 34 7 after after ADP consilience-4590 34 8 52 52 NUM consilience-4590 34 9 late late ADJ consilience-4590 34 10 days day NOUN consilience-4590 34 11 ( ( PUNCT consilience-4590 34 12 credit credit NOUN consilience-4590 34 13 policy policy NOUN consilience-4590 34 14 , , PUNCT consilience-4590 34 15 2010 2010 NUM consilience-4590 34 16 ) ) PUNCT consilience-4590 34 17 . . PUNCT consilience-4590 35 1 a a DET consilience-4590 35 2 borrower borrower NOUN consilience-4590 35 3 is be AUX consilience-4590 35 4 considered consider VERB consilience-4590 35 5 a a DET consilience-4590 35 6 good good ADJ consilience-4590 35 7 borrower borrower NOUN consilience-4590 35 8 when when SCONJ consilience-4590 35 9 he he PRON consilience-4590 35 10 repays repay VERB consilience-4590 35 11 his his PRON consilience-4590 35 12 loan loan NOUN consilience-4590 35 13 on on ADP consilience-4590 35 14 time time NOUN consilience-4590 35 15 . . PUNCT consilience-4590 36 1 discovery discovery NOUN consilience-4590 36 2 is be AUX consilience-4590 36 3 the the DET consilience-4590 36 4 process process NOUN consilience-4590 36 5 of of ADP consilience-4590 36 6 identifying identify VERB consilience-4590 36 7 the the DET consilience-4590 36 8 characteristics characteristic NOUN consilience-4590 36 9 that that PRON consilience-4590 36 10 are be AUX consilience-4590 36 11 to to PART consilience-4590 36 12 be be AUX consilience-4590 36 13 variables variable NOUN consilience-4590 36 14 in in ADP consilience-4590 36 15 the the DET consilience-4590 36 16 model model NOUN consilience-4590 36 17 . . PUNCT consilience-4590 37 1 the the DET consilience-4590 37 2 financial financial ADJ consilience-4590 37 3 institution institution NOUN consilience-4590 37 4 must must AUX consilience-4590 37 5 identify identify VERB consilience-4590 37 6 the the DET consilience-4590 37 7 variables variable NOUN consilience-4590 37 8 that that PRON consilience-4590 37 9 are be AUX consilience-4590 37 10 likely likely ADJ consilience-4590 37 11 to to PART consilience-4590 37 12 influence influence VERB consilience-4590 37 13 the the DET consilience-4590 37 14 risk risk NOUN consilience-4590 37 15 of of ADP consilience-4590 37 16 repayment repayment NOUN consilience-4590 37 17 . . PUNCT consilience-4590 38 1 development development NOUN consilience-4590 38 2 involves involve VERB consilience-4590 38 3 weighing weigh VERB consilience-4590 38 4 the the DET consilience-4590 38 5 selected select VERB consilience-4590 38 6 model model NOUN consilience-4590 38 7 factors factor NOUN consilience-4590 38 8 and and CCONJ consilience-4590 38 9 creating create VERB consilience-4590 38 10 a a DET consilience-4590 38 11 scorecard3 scorecard3 NOUN consilience-4590 39 1 ; ; PUNCT consilience-4590 39 2 4 4 X consilience-4590 39 3 . . X consilience-4590 39 4 testing testing NOUN consilience-4590 39 5 , , PUNCT consilience-4590 39 6 implementing implement VERB consilience-4590 39 7 and and CCONJ consilience-4590 39 8 managing manage VERB consilience-4590 39 9 of of ADP consilience-4590 39 10 scoring scoring NOUN consilience-4590 39 11 : : PUNCT consilience-4590 39 12 back back ADV consilience-4590 39 13 testing4 testing4 PRON consilience-4590 39 14 is be AUX consilience-4590 39 15 a a DET consilience-4590 39 16 key key ADJ consilience-4590 39 17 tool tool NOUN consilience-4590 39 18 in in ADP consilience-4590 39 19 setting set VERB consilience-4590 39 20 scoring scoring NOUN consilience-4590 39 21 policy policy NOUN consilience-4590 39 22 . . PUNCT consilience-4590 40 1 after after ADP consilience-4590 40 2 back back ADJ consilience-4590 40 3 testing testing NOUN consilience-4590 40 4 , , PUNCT consilience-4590 40 5 a a DET consilience-4590 40 6 pilot pilot NOUN consilience-4590 40 7 test test NOUN consilience-4590 40 8 is be AUX consilience-4590 40 9 conducted conduct VERB consilience-4590 40 10 on on ADP consilience-4590 40 11 new new ADJ consilience-4590 40 12 loans loan NOUN consilience-4590 40 13 , , PUNCT consilience-4590 40 14 to to PART consilience-4590 40 15 train train VERB consilience-4590 40 16 the the DET consilience-4590 40 17 users user NOUN consilience-4590 40 18 of of ADP consilience-4590 40 19 the the DET consilience-4590 40 20 scoring scoring NOUN consilience-4590 40 21 system system NOUN consilience-4590 40 22 , , PUNCT consilience-4590 40 23 notably notably ADV consilience-4590 40 24 the the DET consilience-4590 40 25 loan loan NOUN consilience-4590 40 26 officer officer NOUN consilience-4590 40 27 to to PART consilience-4590 40 28 ensure ensure VERB consilience-4590 40 29 viability viability NOUN consilience-4590 40 30 and and CCONJ consilience-4590 40 31 that that SCONJ consilience-4590 40 32 the the DET consilience-4590 40 33 model model NOUN consilience-4590 40 34 works work VERB consilience-4590 40 35 . . PUNCT consilience-4590 41 1 moreover moreover ADV consilience-4590 41 2 , , PUNCT consilience-4590 41 3 the the DET consilience-4590 41 4 use use NOUN consilience-4590 41 5 of of ADP consilience-4590 41 6 adequate adequate ADJ consilience-4590 41 7 technologies technology NOUN consilience-4590 41 8 and and CCONJ consilience-4590 41 9 the the DET consilience-4590 41 10 availability availability NOUN consilience-4590 41 11 of of ADP consilience-4590 41 12 data datum NOUN consilience-4590 41 13 are be AUX consilience-4590 41 14 tributary tributary NOUN consilience-4590 41 15 of of ADP consilience-4590 41 16 the the DET consilience-4590 41 17 success success NOUN consilience-4590 41 18 of of ADP consilience-4590 41 19 the the DET consilience-4590 41 20 credit credit NOUN consilience-4590 41 21 - - PUNCT consilience-4590 41 22 scoring scoring NOUN consilience-4590 41 23 model model NOUN consilience-4590 41 24 . . PUNCT consilience-4590 42 1 there there PRON consilience-4590 42 2 are be VERB consilience-4590 42 3 three three NUM consilience-4590 42 4 credit credit NOUN consilience-4590 42 5 - - PUNCT consilience-4590 42 6 scoring scoring NOUN consilience-4590 42 7 models model NOUN consilience-4590 42 8 ( ( PUNCT consilience-4590 42 9 schreiner schreiner NOUN consilience-4590 42 10 , , PUNCT consilience-4590 42 11 2003 2003 NUM consilience-4590 42 12 ): ): PUNCT consilience-4590 42 13 the the DET consilience-4590 42 14 tree tree NOUN consilience-4590 42 15 shaped shape VERB consilience-4590 42 16 scorecards scorecard NOUN consilience-4590 42 17 ( ( PUNCT consilience-4590 42 18 statistical statistical ADJ consilience-4590 42 19 tree)5 tree)5 NUM consilience-4590 42 20 is be AUX consilience-4590 42 21 made make VERB consilience-4590 42 22 up up ADP consilience-4590 42 23 of of ADP consilience-4590 42 24 leaves6 leaves6 NOUN consilience-4590 42 25 that that PRON consilience-4590 42 26 correspond correspond VERB consilience-4590 42 27 to to ADP consilience-4590 42 28 different different ADJ consilience-4590 42 29 segments segment NOUN consilience-4590 42 30 . . PUNCT consilience-4590 43 1 the the DET consilience-4590 43 2 segments segment NOUN consilience-4590 43 3 are be AUX consilience-4590 43 4 ordered order VERB consilience-4590 43 5 from from ADP consilience-4590 43 6 least least ADJ consilience-4590 43 7 to to ADP consilience-4590 43 8 most most ADJ consilience-4590 43 9 risk risk NOUN consilience-4590 43 10 . . PUNCT consilience-4590 44 1 the the DET consilience-4590 44 2 statistical statistical ADJ consilience-4590 44 3 tree tree NOUN consilience-4590 44 4 essentially essentially ADV consilience-4590 44 5 links link VERB consilience-4590 44 6 the the DET consilience-4590 44 7 past past ADJ consilience-4590 44 8 characteristics characteristic NOUN consilience-4590 44 9 with with ADP consilience-4590 44 10 past past ADJ consilience-4590 44 11 arrears arrear NOUN consilience-4590 44 12 and and CCONJ consilience-4590 44 13 supposes suppose VERB consilience-4590 44 14 that that SCONJ consilience-4590 44 15 the the DET consilience-4590 44 16 future future NOUN consilience-4590 44 17 will will AUX consilience-4590 44 18 reflect reflect VERB consilience-4590 44 19 past past ADJ consilience-4590 44 20 behavior behavior NOUN consilience-4590 44 21 , , PUNCT consilience-4590 44 22 hence hence ADV consilience-4590 44 23 allowing allow VERB consilience-4590 44 24 for for ADP consilience-4590 44 25 the the DET consilience-4590 44 26 prediction prediction NOUN consilience-4590 44 27 of of ADP consilience-4590 44 28 the the DET consilience-4590 44 29 probability probability NOUN consilience-4590 44 30 of of ADP consilience-4590 44 31 defaulting default VERB consilience-4590 44 32 . . PUNCT consilience-4590 45 1 the the DET consilience-4590 45 2 expert expert NOUN consilience-4590 45 3 system7 system7 AUX consilience-4590 45 4 also also ADV consilience-4590 45 5 called call VERB consilience-4590 45 6 judgmental judgmental ADJ consilience-4590 45 7 scoring scoring NOUN consilience-4590 45 8 is be AUX consilience-4590 45 9 based base VERB consilience-4590 45 10 on on ADP consilience-4590 45 11 the the DET consilience-4590 45 12 judgment judgment NOUN consilience-4590 45 13 and and CCONJ consilience-4590 45 14 experience experience NOUN consilience-4590 45 15 of of ADP consilience-4590 45 16 the the DET consilience-4590 45 17 loan loan NOUN consilience-4590 45 18 officers officer NOUN consilience-4590 45 19 and and CCONJ consilience-4590 45 20 branch branch NOUN consilience-4590 45 21 managers manager NOUN consilience-4590 45 22 . . PUNCT consilience-4590 46 1 loan loan NOUN consilience-4590 46 2 officers officer NOUN consilience-4590 46 3 and and CCONJ consilience-4590 46 4 branch branch NOUN consilience-4590 46 5 managers manager NOUN consilience-4590 46 6 identify identify VERB consilience-4590 46 7 the the DET consilience-4590 46 8 client client NOUN consilience-4590 46 9 characteristics characteristic NOUN consilience-4590 46 10 and and CCONJ consilience-4590 46 11 their their PRON consilience-4590 46 12 relevance relevance NOUN consilience-4590 46 13 to to ADP consilience-4590 46 14 client client NOUN consilience-4590 46 15 behavior behavior NOUN consilience-4590 46 16 . . PUNCT consilience-4590 47 1 the the DET consilience-4590 47 2 expert expert NOUN consilience-4590 47 3 system system NOUN consilience-4590 47 4 differs differ VERB consilience-4590 47 5 from from ADP consilience-4590 47 6 the the DET consilience-4590 47 7 trees tree NOUN consilience-4590 47 8 in in ADP consilience-4590 47 9 that that SCONJ consilience-4590 47 10 the the DET consilience-4590 47 11 trees tree NOUN consilience-4590 47 12 use use VERB consilience-4590 47 13 quantitative quantitative ADJ consilience-4590 47 14 experience experience NOUN consilience-4590 47 15 while while SCONJ consilience-4590 47 16 expert expert ADJ consilience-4590 47 17 systems system NOUN consilience-4590 47 18 rely rely VERB consilience-4590 47 19 on on ADP consilience-4590 47 20 qualitative qualitative ADJ consilience-4590 47 21 experience experience NOUN consilience-4590 47 22 . . PUNCT consilience-4590 48 1 comparing compare VERB consilience-4590 48 2 the the DET consilience-4590 48 3 two two NUM consilience-4590 48 4 , , PUNCT consilience-4590 48 5 expert expert NOUN consilience-4590 48 6 systems system NOUN consilience-4590 48 7 have have VERB consilience-4590 48 8 less less ADJ consilience-4590 48 9 predictive predictive ADJ consilience-4590 48 10 power power NOUN consilience-4590 48 11 . . PUNCT consilience-4590 49 1 the the DET consilience-4590 49 2 third third ADJ consilience-4590 49 3 model model NOUN consilience-4590 49 4 is be AUX consilience-4590 49 5 the the DET consilience-4590 49 6 notation notation NOUN consilience-4590 49 7 by by ADP consilience-4590 49 8 the the DET consilience-4590 49 9 principle principle NOUN consilience-4590 49 10 of of ADP consilience-4590 49 11 regression regression NOUN consilience-4590 49 12 . . PUNCT consilience-4590 50 1 it it PRON consilience-4590 50 2 uses use VERB consilience-4590 50 3 mathematical mathematical ADJ consilience-4590 50 4 formulas formula NOUN consilience-4590 50 5 to to PART consilience-4590 50 6 establish establish VERB consilience-4590 50 7 the the DET consilience-4590 50 8 influence influence NOUN consilience-4590 50 9 of of ADP consilience-4590 50 10 each each DET consilience-4590 50 11 client client NOUN consilience-4590 50 12 characteristics characteristic NOUN consilience-4590 50 13 on on ADP consilience-4590 50 14 the the DET consilience-4590 50 15 delinquency delinquency NOUN consilience-4590 50 16 risk risk NOUN consilience-4590 50 17 ( ( PUNCT consilience-4590 50 18 schreiner schreiner NOUN consilience-4590 50 19 , , PUNCT consilience-4590 50 20 2003 2003 NUM consilience-4590 50 21 ) ) PUNCT consilience-4590 50 22 . . PUNCT consilience-4590 50 23                                                                                                                                                                                                                                                     SPACE consilience-4590 51 1 2the 2the PRON consilience-4590 51 2 averages average NOUN consilience-4590 51 3 depend depend VERB consilience-4590 51 4 on on ADP consilience-4590 51 5 the the DET consilience-4590 51 6 general general ADJ consilience-4590 51 7 policy policy NOUN consilience-4590 51 8 of of ADP consilience-4590 51 9 each each DET consilience-4590 51 10 mfi mfi PROPN consilience-4590 51 11 . . PROPN consilience-4590 51 12 3 3 NUM consilience-4590 51 13 the the DET consilience-4590 51 14 weight weight NOUN consilience-4590 51 15 for for ADP consilience-4590 51 16 a a DET consilience-4590 51 17 statistical statistical ADJ consilience-4590 51 18 model model NOUN consilience-4590 51 19 comes come VERB consilience-4590 51 20 from from ADP consilience-4590 51 21 the the DET consilience-4590 51 22 statistical statistical ADJ consilience-4590 51 23 outputs output NOUN consilience-4590 51 24 , , PUNCT consilience-4590 51 25 for for ADP consilience-4590 51 26 a a DET consilience-4590 51 27 judgmental judgmental ADJ consilience-4590 51 28 model model NOUN consilience-4590 51 29 weights weight NOUN consilience-4590 51 30 are be AUX consilience-4590 51 31 assigned assign VERB consilience-4590 51 32 manually manually ADV consilience-4590 51 33 based base VERB consilience-4590 51 34 on on ADP consilience-4590 51 35 the the DET consilience-4590 51 36 perceived perceive VERB consilience-4590 51 37 importance importance NOUN consilience-4590 51 38 of of ADP consilience-4590 51 39 individual individual ADJ consilience-4590 51 40 factors factor NOUN consilience-4590 51 41 , , PUNCT consilience-4590 51 42 their their PRON consilience-4590 51 43 interactions interaction NOUN consilience-4590 51 44 and and CCONJ consilience-4590 51 45 the the DET consilience-4590 51 46 implications implication NOUN consilience-4590 51 47 , , PUNCT consilience-4590 51 48 hybrid hybrid ADJ consilience-4590 51 49 scorecards scorecard NOUN consilience-4590 51 50 combine combine VERB consilience-4590 51 51 the the DET consilience-4590 51 52 statistical statistical ADJ consilience-4590 51 53 and and CCONJ consilience-4590 51 54 judgmental judgmental ADJ consilience-4590 51 55 techniques technique NOUN consilience-4590 51 56 ( ( PUNCT consilience-4590 51 57 caire caire NOUN consilience-4590 51 58 et et NOUN consilience-4590 51 59 al al PROPN consilience-4590 51 60 . . PROPN consilience-4590 51 61 , , PUNCT consilience-4590 51 62 2006 2006 NUM consilience-4590 51 63 ) ) PUNCT consilience-4590 51 64 . . PUNCT consilience-4590 52 1 4 4 NUM consilience-4590 52 2 back back ADJ consilience-4590 52 3 testing testing NOUN consilience-4590 52 4 is be AUX consilience-4590 52 5 a a DET consilience-4590 52 6 procedure procedure NOUN consilience-4590 52 7 that that PRON consilience-4590 52 8 tests test VERB consilience-4590 52 9 the the DET consilience-4590 52 10 performance performance NOUN consilience-4590 52 11 of of ADP consilience-4590 52 12 a a DET consilience-4590 52 13 credit credit NOUN consilience-4590 52 14 - - PUNCT consilience-4590 52 15 scoring scoring NOUN consilience-4590 52 16 model model NOUN consilience-4590 52 17 on on ADP consilience-4590 52 18 the the DET consilience-4590 52 19 previous previous ADJ consilience-4590 52 20 loans loan NOUN consilience-4590 52 21 . . PUNCT consilience-4590 53 1 5 5 NUM consilience-4590 53 2     SPACE consilience-4590 53 3 the the DET consilience-4590 53 4 functioning functioning ADJ consilience-4590 53 5 principle principle NOUN consilience-4590 53 6 of of ADP consilience-4590 53 7 the the DET consilience-4590 53 8 tree tree NOUN consilience-4590 53 9 in in ADP consilience-4590 53 10 the the DET consilience-4590 53 11 prediction prediction NOUN consilience-4590 53 12 of of ADP consilience-4590 53 13 risk risk NOUN consilience-4590 53 14 assumes assume VERB consilience-4590 53 15 the the DET consilience-4590 53 16 risk risk NOUN consilience-4590 53 17 history history NOUN consilience-4590 53 18 associated associate VERB consilience-4590 53 19 with with ADP consilience-4590 53 20 a a DET consilience-4590 53 21 segment segment NOUN consilience-4590 53 22 presents present VERB consilience-4590 53 23 the the DET consilience-4590 53 24 expected expect VERB consilience-4590 53 25 risk risk NOUN consilience-4590 53 26 for for ADP consilience-4590 53 27 that that DET consilience-4590 53 28 segment segment NOUN consilience-4590 53 29 , , PUNCT consilience-4590 53 30 so so ADV consilience-4590 53 31 all all DET consilience-4590 53 32 loan loan NOUN consilience-4590 53 33 applications application NOUN consilience-4590 53 34 that that PRON consilience-4590 53 35 present present VERB consilience-4590 53 36 certain certain ADJ consilience-4590 53 37 characteristics characteristic NOUN consilience-4590 53 38 identical identical ADJ consilience-4590 53 39 to to ADP consilience-4590 53 40 the the DET consilience-4590 53 41 risk risk NOUN consilience-4590 53 42 history history NOUN consilience-4590 53 43 of of ADP consilience-4590 53 44 past past ADJ consilience-4590 53 45 loans loan NOUN consilience-4590 53 46 present present VERB consilience-4590 53 47 the the DET consilience-4590 53 48 same same ADJ consilience-4590 53 49 characteristics characteristic NOUN consilience-4590 53 50 of of ADP consilience-4590 53 51 that that DET consilience-4590 53 52 segment segment NOUN consilience-4590 53 53 . . PUNCT consilience-4590 54 1 6 6 NUM consilience-4590 54 2 there there PRON consilience-4590 54 3 are be VERB consilience-4590 54 4 two two NUM consilience-4590 54 5 types type NOUN consilience-4590 54 6 of of ADP consilience-4590 54 7 trees tree NOUN consilience-4590 54 8 , , PUNCT consilience-4590 54 9 the the DET consilience-4590 54 10 four four NUM consilience-4590 54 11 - - PUNCT consilience-4590 54 12 leaf leaf NOUN consilience-4590 54 13 tree tree NOUN consilience-4590 54 14 and and CCONJ consilience-4590 54 15 the the DET consilience-4590 54 16 19 19 NUM consilience-4590 54 17 - - PUNCT consilience-4590 54 18 leaf leaf NOUN consilience-4590 54 19 tree tree NOUN consilience-4590 54 20 . . PUNCT consilience-4590 55 1 they they PRON consilience-4590 55 2 differ differ VERB consilience-4590 55 3 only only ADV consilience-4590 55 4 in in ADP consilience-4590 55 5 the the DET consilience-4590 55 6 number number NOUN consilience-4590 55 7 of of ADP consilience-4590 55 8 leaves leave NOUN consilience-4590 55 9 but but CCONJ consilience-4590 55 10 the the DET consilience-4590 55 11 process process NOUN consilience-4590 55 12 is be AUX consilience-4590 55 13 the the DET consilience-4590 55 14 same same ADJ consilience-4590 55 15 . . PUNCT consilience-4590 56 1 7 7 NUM consilience-4590 56 2 there there PRON consilience-4590 56 3 are be VERB consilience-4590 56 4 two two NUM consilience-4590 56 5 types type NOUN consilience-4590 56 6 of of ADP consilience-4590 56 7 expert expert NOUN consilience-4590 56 8 systems system NOUN consilience-4590 56 9 , , PUNCT consilience-4590 56 10 regression regression NOUN consilience-4590 56 11 and and CCONJ consilience-4590 56 12 trees tree NOUN consilience-4590 56 13 . . PUNCT consilience-4590 57 1 the the DET consilience-4590 57 2 expert expert NOUN consilience-4590 57 3 systems system NOUN consilience-4590 57 4 uses use VERB consilience-4590 57 5 trees tree NOUN consilience-4590 57 6 however however ADV consilience-4590 57 7 their their PRON consilience-4590 57 8 trees tree NOUN consilience-4590 57 9 splits split VERB consilience-4590 57 10 are be AUX consilience-4590 57 11 based base VERB consilience-4590 57 12 on on ADP consilience-4590 57 13 the the DET consilience-4590 57 14 experience experience NOUN consilience-4590 57 15 and and CCONJ consilience-4590 57 16 judgment judgment NOUN consilience-4590 57 17 of of ADP consilience-4590 57 18 the the DET consilience-4590 57 19 loan loan NOUN consilience-4590 57 20 officers officer NOUN consilience-4590 57 21 or or CCONJ consilience-4590 57 22 branch branch NOUN consilience-4590 57 23 manager manager NOUN consilience-4590 57 24 , , PUNCT consilience-4590 57 25 they they PRON consilience-4590 57 26 are be AUX consilience-4590 57 27 not not PART consilience-4590 57 28 based base VERB consilience-4590 57 29 on on ADP consilience-4590 57 30 statistical statistical ADJ consilience-4590 57 31 analysis analysis NOUN consilience-4590 57 32 . . PUNCT consilience-4590 58 1 the the DET consilience-4590 58 2 expert expert NOUN consilience-4590 58 3 system system NOUN consilience-4590 58 4 regressions regression NOUN consilience-4590 58 5 use use VERB consilience-4590 58 6 mathematical mathematical ADJ consilience-4590 58 7 formulae formulae NOUN consilience-4590 58 8 like like ADP consilience-4590 58 9 the the DET consilience-4590 58 10 statistical statistical ADJ consilience-4590 58 11 regression regression NOUN consilience-4590 58 12 but but CCONJ consilience-4590 58 13 the the DET consilience-4590 58 14 characteristics characteristic NOUN consilience-4590 58 15 and and CCONJ consilience-4590 58 16 their their PRON consilience-4590 58 17 weights weight NOUN consilience-4590 58 18 are be AUX consilience-4590 58 19 chosen choose VERB consilience-4590 58 20 by by ADP consilience-4590 58 21 the the DET consilience-4590 58 22 managers manager NOUN consilience-4590 58 23 instead instead ADV consilience-4590 58 24 of of ADP consilience-4590 58 25 derived derive VERB consilience-4590 58 26 from from ADP consilience-4590 58 27 the the DET consilience-4590 58 28 data datum NOUN consilience-4590 58 29 . . PUNCT consilience-4590 59 1 consilience consilience NOUN consilience-4590 59 2 kinda kinda NOUN consilience-4590 59 3 : : PUNCT consilience-4590 59 4 credit credit NOUN consilience-4590 59 5 scoring scoring NOUN consilience-4590 59 6 model model NOUN consilience-4590 59 7 20 20 NUM consilience-4590 59 8         SPACE consilience-4590 59 9 of of ADP consilience-4590 59 10 the the DET consilience-4590 59 11 three three NUM consilience-4590 59 12 models model NOUN consilience-4590 59 13 , , PUNCT consilience-4590 59 14 regression regression NOUN consilience-4590 59 15 has have VERB consilience-4590 59 16 the the DET consilience-4590 59 17 greatest great ADJ consilience-4590 59 18 predictive predictive ADJ consilience-4590 59 19 power power NOUN consilience-4590 59 20 and and CCONJ consilience-4590 59 21 reveals reveal VERB consilience-4590 59 22 the the DET consilience-4590 59 23 links link NOUN consilience-4590 59 24 between between ADP consilience-4590 59 25 the the DET consilience-4590 59 26 risk risk NOUN consilience-4590 59 27 and and CCONJ consilience-4590 59 28 characteristics characteristic NOUN consilience-4590 59 29 better well ADV consilience-4590 59 30 than than ADP consilience-4590 59 31 both both CCONJ consilience-4590 59 32 the the DET consilience-4590 59 33 tree tree NOUN consilience-4590 59 34 and and CCONJ consilience-4590 59 35 expert expert NOUN consilience-4590 59 36 system system NOUN consilience-4590 59 37 . . PUNCT consilience-4590 60 1 the the DET consilience-4590 60 2 notation notation NOUN consilience-4590 60 3 by by ADP consilience-4590 60 4 the the DET consilience-4590 60 5 principal principal NOUN consilience-4590 60 6 of of ADP consilience-4590 60 7 regression regression NOUN consilience-4590 60 8 assigns assign VERB consilience-4590 60 9 the the DET consilience-4590 60 10 weights weight NOUN consilience-4590 60 11 such such ADJ consilience-4590 60 12 that that SCONJ consilience-4590 60 13 they they PRON consilience-4590 60 14 show show VERB consilience-4590 60 15 whether whether SCONJ consilience-4590 60 16 the the DET consilience-4590 60 17 characteristics characteristic NOUN consilience-4590 60 18 increases increase VERB consilience-4590 60 19 or or CCONJ consilience-4590 60 20 decreases decrease VERB consilience-4590 60 21 risk risk NOUN consilience-4590 60 22 when when SCONJ consilience-4590 60 23 other other ADJ consilience-4590 60 24 characteristics characteristic NOUN consilience-4590 60 25 are be AUX consilience-4590 60 26 held hold VERB consilience-4590 60 27 constant constant ADJ consilience-4590 60 28 and and CCONJ consilience-4590 60 29 by by ADP consilience-4590 60 30 how how SCONJ consilience-4590 60 31 much much ADJ consilience-4590 60 32 ( ( PUNCT consilience-4590 60 33 schreiner schreiner NOUN consilience-4590 60 34 , , PUNCT consilience-4590 60 35 2003 2003 NUM consilience-4590 60 36 ) ) PUNCT consilience-4590 60 37 . . PUNCT consilience-4590 61 1 taking take VERB consilience-4590 61 2 into into ADP consilience-4590 61 3 account account NOUN consilience-4590 61 4 its its PRON consilience-4590 61 5 predictive predictive ADJ consilience-4590 61 6 nature nature NOUN consilience-4590 61 7 , , PUNCT consilience-4590 61 8 its its PRON consilience-4590 61 9 efficacy efficacy NOUN consilience-4590 61 10 , , PUNCT consilience-4590 61 11 and and CCONJ consilience-4590 61 12 its its PRON consilience-4590 61 13 operational operational ADJ consilience-4590 61 14 capability capability NOUN consilience-4590 61 15 in in ADP consilience-4590 61 16 assessing assess VERB consilience-4590 61 17 the the DET consilience-4590 61 18 probability probability NOUN consilience-4590 61 19 that that SCONJ consilience-4590 61 20 a a DET consilience-4590 61 21 potential potential ADJ consilience-4590 61 22 borrower borrower NOUN consilience-4590 61 23 defaults default NOUN consilience-4590 61 24 contrary contrary ADJ consilience-4590 61 25 to to ADP consilience-4590 61 26 the the DET consilience-4590 61 27 previous previous ADJ consilience-4590 61 28 models model NOUN consilience-4590 61 29 presented present VERB consilience-4590 61 30 , , PUNCT consilience-4590 61 31 the the DET consilience-4590 61 32 regression regression NOUN consilience-4590 61 33 would would AUX consilience-4590 61 34 be be AUX consilience-4590 61 35 the the DET consilience-4590 61 36 model model NOUN consilience-4590 61 37 used use VERB consilience-4590 61 38 to to PART consilience-4590 61 39 predict predict VERB consilience-4590 61 40 the the DET consilience-4590 61 41 probability probability NOUN consilience-4590 61 42 of of ADP consilience-4590 61 43 non non NOUN consilience-4590 61 44 - - NOUN consilience-4590 61 45 repayment repayment NOUN consilience-4590 61 46 in in ADP consilience-4590 61 47 the the DET consilience-4590 61 48 case case NOUN consilience-4590 61 49 of of ADP consilience-4590 61 50 the the DET consilience-4590 61 51 meczop meczop PROPN consilience-4590 61 52 . . PUNCT consilience-4590 62 1 there there PRON consilience-4590 62 2 are be VERB consilience-4590 62 3 several several ADJ consilience-4590 62 4 advantages advantage NOUN consilience-4590 62 5 to to ADP consilience-4590 62 6 the the DET consilience-4590 62 7 use use NOUN consilience-4590 62 8 of of ADP consilience-4590 62 9 credit credit NOUN consilience-4590 62 10 - - PUNCT consilience-4590 62 11 scoring scoring NOUN consilience-4590 62 12 for for ADP consilience-4590 62 13 the the DET consilience-4590 62 14 meczop meczop PROPN consilience-4590 62 15 . . PUNCT consilience-4590 63 1 these these DET consilience-4590 63 2 advantages advantage NOUN consilience-4590 63 3 can can AUX consilience-4590 63 4 be be AUX consilience-4590 63 5 regrouped regroup VERB consilience-4590 63 6 into into ADP consilience-4590 63 7 three three NUM consilience-4590 63 8 levels level NOUN consilience-4590 63 9 : : PUNCT consilience-4590 63 10 the the DET consilience-4590 63 11 decision decision NOUN consilience-4590 63 12 making making NOUN consilience-4590 63 13 level level NOUN consilience-4590 63 14 , , PUNCT consilience-4590 63 15 the the DET consilience-4590 63 16 administrative administrative ADJ consilience-4590 63 17 level level NOUN consilience-4590 63 18 and and CCONJ consilience-4590 63 19 at at ADP consilience-4590 63 20 the the DET consilience-4590 63 21 cost cost NOUN consilience-4590 63 22 level level NOUN consilience-4590 63 23 , , PUNCT consilience-4590 63 24 by by ADP consilience-4590 63 25 reducing reduce VERB consilience-4590 63 26 transaction transaction NOUN consilience-4590 63 27 costs cost NOUN consilience-4590 63 28 . . PUNCT consilience-4590 64 1 at at ADP consilience-4590 64 2 the the DET consilience-4590 64 3 administrative administrative ADJ consilience-4590 64 4 level level NOUN consilience-4590 64 5 , , PUNCT consilience-4590 64 6 credit credit NOUN consilience-4590 64 7 scoring scoring NOUN consilience-4590 64 8 offers offer VERB consilience-4590 64 9 privileges privilege NOUN consilience-4590 64 10 such such ADJ consilience-4590 64 11 as as ADP consilience-4590 64 12 improved improve VERB consilience-4590 64 13 efficient efficient ADJ consilience-4590 64 14 analysis analysis NOUN consilience-4590 64 15 of of ADP consilience-4590 64 16 credit credit NOUN consilience-4590 64 17 applications application NOUN consilience-4590 64 18 , , PUNCT consilience-4590 64 19 homogenizing homogenize VERB consilience-4590 64 20 the the DET consilience-4590 64 21 decision decision NOUN consilience-4590 64 22 making make VERB consilience-4590 64 23 process process NOUN consilience-4590 64 24 , , PUNCT consilience-4590 64 25 increasing increase VERB consilience-4590 64 26 the the DET consilience-4590 64 27 sense sense NOUN consilience-4590 64 28 of of ADP consilience-4590 64 29 security security NOUN consilience-4590 64 30 for for ADP consilience-4590 64 31 loan loan NOUN consilience-4590 64 32 officers officer NOUN consilience-4590 64 33 , , PUNCT consilience-4590 64 34 a a DET consilience-4590 64 35 better well ADJ consilience-4590 64 36 allocation allocation NOUN consilience-4590 64 37 of of ADP consilience-4590 64 38 funds fund NOUN consilience-4590 64 39 and and CCONJ consilience-4590 64 40 a a DET consilience-4590 64 41 flexible flexible ADJ consilience-4590 64 42 credit credit NOUN consilience-4590 64 43 pricing pricing NOUN consilience-4590 64 44 policy policy NOUN consilience-4590 64 45 . . PUNCT consilience-4590 65 1 the the DET consilience-4590 65 2 quantitative quantitative ADJ consilience-4590 65 3 model model NOUN consilience-4590 65 4 allows allow VERB consilience-4590 65 5 for for ADP consilience-4590 65 6 the the DET consilience-4590 65 7 adoption adoption NOUN consilience-4590 65 8 of of ADP consilience-4590 65 9 a a DET consilience-4590 65 10 common common ADJ consilience-4590 65 11 evaluation evaluation NOUN consilience-4590 65 12 criterion criterion NOUN consilience-4590 65 13 that that PRON consilience-4590 65 14 increases increase VERB consilience-4590 65 15 the the DET consilience-4590 65 16 consistency consistency NOUN consilience-4590 65 17 of of ADP consilience-4590 65 18 lending lending NOUN consilience-4590 65 19 policies policy NOUN consilience-4590 65 20 ( ( PUNCT consilience-4590 65 21 vigano vigano NOUN consilience-4590 65 22 , , PUNCT consilience-4590 65 23 1993 1993 NUM consilience-4590 65 24 ) ) PUNCT consilience-4590 65 25 . . PUNCT consilience-4590 66 1 since since SCONJ consilience-4590 66 2 credit credit NOUN consilience-4590 66 3 scoring scoring NOUN consilience-4590 66 4 analyzes analyze VERB consilience-4590 66 5 each each DET consilience-4590 66 6 customer customer NOUN consilience-4590 66 7 using use VERB consilience-4590 66 8 a a DET consilience-4590 66 9 similar similar ADJ consilience-4590 66 10 set set NOUN consilience-4590 66 11 of of ADP consilience-4590 66 12 rules rule NOUN consilience-4590 66 13 , , PUNCT consilience-4590 66 14 there there PRON consilience-4590 66 15 is be VERB consilience-4590 66 16 consistency consistency NOUN consilience-4590 66 17 in in ADP consilience-4590 66 18 the the DET consilience-4590 66 19 evaluation evaluation NOUN consilience-4590 66 20 process process NOUN consilience-4590 66 21 by by ADP consilience-4590 66 22 the the DET consilience-4590 66 23 entire entire ADJ consilience-4590 66 24 staff staff NOUN consilience-4590 66 25 , , PUNCT consilience-4590 66 26 increasing increase VERB consilience-4590 66 27 the the DET consilience-4590 66 28 efficient efficient ADJ consilience-4590 66 29 analysis analysis NOUN consilience-4590 66 30 of of ADP consilience-4590 66 31 credit credit NOUN consilience-4590 66 32 application application NOUN consilience-4590 66 33 . . PUNCT consilience-4590 67 1 the the DET consilience-4590 67 2 loan loan NOUN consilience-4590 67 3 officers officer NOUN consilience-4590 67 4 as as ADP consilience-4590 67 5 a a DET consilience-4590 67 6 result result NOUN consilience-4590 67 7 are be AUX consilience-4590 67 8 secure secure ADJ consilience-4590 67 9 because because SCONJ consilience-4590 67 10 they they PRON consilience-4590 67 11 know know VERB consilience-4590 67 12 that that SCONJ consilience-4590 67 13 the the DET consilience-4590 67 14 decision decision NOUN consilience-4590 67 15 to to PART consilience-4590 67 16 allocate allocate VERB consilience-4590 67 17 credit credit NOUN consilience-4590 67 18 was be AUX consilience-4590 67 19 objective objective ADJ consilience-4590 67 20 . . PUNCT consilience-4590 68 1 another another DET consilience-4590 68 2 important important ADJ consilience-4590 68 3 advantage advantage NOUN consilience-4590 68 4 of of ADP consilience-4590 68 5 scoring scoring NOUN consilience-4590 68 6 is be AUX consilience-4590 68 7 how how SCONJ consilience-4590 68 8 it it PRON consilience-4590 68 9 affects affect VERB consilience-4590 68 10 the the DET consilience-4590 68 11 allocation allocation NOUN consilience-4590 68 12 of of ADP consilience-4590 68 13 funds fund NOUN consilience-4590 68 14 by by ADP consilience-4590 68 15 allowing allow VERB consilience-4590 68 16 the the DET consilience-4590 68 17 meczop meczop PROPN consilience-4590 68 18 to to PART consilience-4590 68 19 optimize optimize VERB consilience-4590 68 20 its its PRON consilience-4590 68 21 classification classification NOUN consilience-4590 68 22 and and CCONJ consilience-4590 68 23 selection selection NOUN consilience-4590 68 24 of of ADP consilience-4590 68 25 members member NOUN consilience-4590 68 26 to to PART consilience-4590 68 27 whom whom PRON consilience-4590 68 28 credit credit NOUN consilience-4590 68 29 would would AUX consilience-4590 68 30 be be AUX consilience-4590 68 31 allocated allocate VERB consilience-4590 68 32 . . PUNCT consilience-4590 69 1 credit credit NOUN consilience-4590 69 2 - - PUNCT consilience-4590 69 3 scoring scoring NOUN consilience-4590 69 4 model model NOUN consilience-4590 69 5 facilitates facilitate VERB consilience-4590 69 6 the the DET consilience-4590 69 7 treatment treatment NOUN consilience-4590 69 8 of of ADP consilience-4590 69 9 high high ADJ consilience-4590 69 10 and and CCONJ consilience-4590 69 11 low low ADJ consilience-4590 69 12 risk risk NOUN consilience-4590 69 13 borrowers borrower NOUN consilience-4590 69 14 , , PUNCT consilience-4590 69 15 vis vis X consilience-4590 69 16 - - ADJ consilience-4590 69 17 à à X consilience-4590 69 18 - - PUNCT consilience-4590 69 19 vis vis X consilience-4590 69 20 the the DET consilience-4590 69 21 denial denial NOUN consilience-4590 69 22 of of ADP consilience-4590 69 23 or or CCONJ consilience-4590 69 24 disbursement disbursement NOUN consilience-4590 69 25 of of ADP consilience-4590 69 26 credit credit NOUN consilience-4590 69 27 . . PUNCT consilience-4590 70 1 this this PRON consilience-4590 70 2 allows allow VERB consilience-4590 70 3 the the DET consilience-4590 70 4 mfi mfi PROPN consilience-4590 70 5 to to PART consilience-4590 70 6 focus focus VERB consilience-4590 70 7 its its PRON consilience-4590 70 8 energy energy NOUN consilience-4590 70 9 on on ADP consilience-4590 70 10 further far ADV consilience-4590 70 11 analyzing analyze VERB consilience-4590 70 12 the the DET consilience-4590 70 13 applications application NOUN consilience-4590 70 14 of of ADP consilience-4590 70 15 average average ADJ consilience-4590 70 16 risk risk NOUN consilience-4590 70 17 borrowers borrower NOUN consilience-4590 70 18 , , PUNCT consilience-4590 70 19 which which PRON consilience-4590 70 20 easily easily ADV consilience-4590 70 21 translates translate VERB consilience-4590 70 22 into into ADP consilience-4590 70 23 increased increase VERB consilience-4590 70 24 efficient efficient ADJ consilience-4590 70 25 treatment treatment NOUN consilience-4590 70 26 of of ADP consilience-4590 70 27 credit credit NOUN consilience-4590 70 28 demand demand NOUN consilience-4590 70 29 . . PUNCT consilience-4590 71 1 a a DET consilience-4590 71 2 flexible flexible ADJ consilience-4590 71 3 pricing pricing NOUN consilience-4590 71 4 policy policy NOUN consilience-4590 71 5 can can AUX consilience-4590 71 6 also also ADV consilience-4590 71 7 be be AUX consilience-4590 71 8 developed develop VERB consilience-4590 71 9 based base VERB consilience-4590 71 10 on on ADP consilience-4590 71 11 the the DET consilience-4590 71 12 envisaged envisaged ADJ consilience-4590 71 13 level level NOUN consilience-4590 71 14 of of ADP consilience-4590 71 15 risk risk NOUN consilience-4590 71 16 . . PUNCT consilience-4590 72 1 low low ADJ consilience-4590 72 2 risk risk NOUN consilience-4590 72 3 borrowers8 borrowers8 NOUN consilience-4590 72 4 can can AUX consilience-4590 72 5 be be AUX consilience-4590 72 6 compensated compensate VERB consilience-4590 72 7 and and CCONJ consilience-4590 72 8 encouraged encourage VERB consilience-4590 72 9 to to PART consilience-4590 72 10 continue continue VERB consilience-4590 72 11 to to PART consilience-4590 72 12 borrow borrow VERB consilience-4590 72 13 by by ADP consilience-4590 72 14 being be AUX consilience-4590 72 15 offered offer VERB consilience-4590 72 16 lower low ADJ consilience-4590 72 17 prices price NOUN consilience-4590 72 18 ( ( PUNCT consilience-4590 72 19 interest interest NOUN consilience-4590 72 20 rates rate NOUN consilience-4590 72 21 or or CCONJ consilience-4590 72 22 lower low ADJ consilience-4590 72 23 guarantee guarantee NOUN consilience-4590 72 24 ) ) PUNCT consilience-4590 72 25 . . PUNCT consilience-4590 73 1 consequently consequently ADV consilience-4590 73 2 higher high ADJ consilience-4590 73 3 risk risk NOUN consilience-4590 73 4 borrowers borrower NOUN consilience-4590 73 5 can can AUX consilience-4590 73 6 face face VERB consilience-4590 73 7 greater great ADJ consilience-4590 73 8 interest interest NOUN consilience-4590 73 9 rates rate NOUN consilience-4590 73 10 or or CCONJ consilience-4590 73 11 be be AUX consilience-4590 73 12 subject subject ADJ consilience-4590 73 13 to to ADP consilience-4590 73 14 a a DET consilience-4590 73 15 higher high ADJ consilience-4590 73 16 required require VERB consilience-4590 73 17 guarantee guarantee NOUN consilience-4590 73 18 . . PUNCT consilience-4590 74 1 at at ADP consilience-4590 74 2 the the DET consilience-4590 74 3 decision decision NOUN consilience-4590 74 4 making making NOUN consilience-4590 74 5 level level NOUN consilience-4590 74 6 , , PUNCT consilience-4590 74 7 the the DET consilience-4590 74 8 credit credit NOUN consilience-4590 74 9 scoring scoring NOUN consilience-4590 74 10 has have VERB consilience-4590 74 11 the the DET consilience-4590 74 12 advantage advantage NOUN consilience-4590 74 13 of of ADP consilience-4590 74 14 reducing reduce VERB consilience-4590 74 15 human human ADJ consilience-4590 74 16 error error NOUN consilience-4590 74 17 taking take VERB consilience-4590 74 18 into into ADP consilience-4590 74 19 account account NOUN consilience-4590 74 20 many many ADJ consilience-4590 74 21 determinants determinant NOUN consilience-4590 74 22 of of ADP consilience-4590 74 23 reimbursement reimbursement NOUN consilience-4590 74 24 . . PUNCT consilience-4590 75 1 as as ADP consilience-4590 75 2 for for ADP consilience-4590 75 3 the the DET consilience-4590 75 4 reduction reduction NOUN consilience-4590 75 5 in in ADP consilience-4590 75 6 transaction transaction NOUN consilience-4590 75 7 costs cost NOUN consilience-4590 75 8 , , PUNCT consilience-4590 75 9 the the DET consilience-4590 75 10 use use NOUN consilience-4590 75 11 of of ADP consilience-4590 75 12 credit credit NOUN consilience-4590 75 13 scoring scoring NOUN consilience-4590 75 14 will will AUX consilience-4590 75 15 allow allow VERB consilience-4590 75 16 for for ADP consilience-4590 75 17 the the DET consilience-4590 75 18 reduction reduction NOUN consilience-4590 75 19 of of ADP consilience-4590 75 20 unpaid unpaid ADJ consilience-4590 75 21 loans loan NOUN consilience-4590 75 22 as as ADV consilience-4590 75 23 well well ADV consilience-4590 75 24 as as ADP consilience-4590 75 25 the the DET consilience-4590 75 26 time time NOUN consilience-4590 75 27 invested invest VERB consilience-4590 75 28 in in ADP consilience-4590 75 29 recovering recover VERB consilience-4590 75 30 . . PUNCT consilience-4590 76 1 even even ADV consilience-4590 76 2 if if SCONJ consilience-4590 76 3 credit credit NOUN consilience-4590 76 4 scoring scoring NOUN consilience-4590 76 5 presents present VERB consilience-4590 76 6 many many ADJ consilience-4590 76 7 advantages advantage NOUN consilience-4590 76 8 , , PUNCT consilience-4590 76 9 there there PRON consilience-4590 76 10 are be VERB consilience-4590 76 11 nonetheless nonetheless ADV consilience-4590 76 12 some some DET consilience-4590 76 13 inconveniences inconvenience NOUN consilience-4590 76 14 . . PUNCT consilience-4590 77 1 credit credit NOUN consilience-4590 77 2 scoring scoring NOUN consilience-4590 77 3 can can AUX consilience-4590 77 4 reduce reduce VERB consilience-4590 77 5 access access NOUN consilience-4590 77 6 for for ADP consilience-4590 77 7 new new ADJ consilience-4590 77 8 borrowers borrower NOUN consilience-4590 77 9 , , PUNCT consilience-4590 77 10 as as SCONJ consilience-4590 77 11 those those PRON consilience-4590 77 12 without without ADP consilience-4590 77 13 credit credit NOUN consilience-4590 77 14 history history NOUN consilience-4590 77 15 are be AUX consilience-4590 77 16 likely likely ADJ consilience-4590 77 17 to to PART consilience-4590 77 18 score score VERB consilience-4590 77 19 poorly poorly ADV consilience-4590 77 20 and and CCONJ consilience-4590 77 21 highly highly ADV consilience-4590 77 22 likely likely ADJ consilience-4590 77 23 to to PART consilience-4590 77 24 be be AUX consilience-4590 77 25 declined decline VERB consilience-4590 77 26 access access NOUN consilience-4590 77 27 to to ADP consilience-4590 77 28 credit9 credit9 NOUN consilience-4590 77 29 . . PUNCT consilience-4590 78 1 it it PRON consilience-4590 78 2 can can AUX consilience-4590 78 3 affect affect VERB consilience-4590 78 4 the the DET consilience-4590 78 5 pricing pricing NOUN consilience-4590 78 6 of of ADP consilience-4590 78 7 credit credit NOUN consilience-4590 78 8 by by ADP consilience-4590 78 9 making make VERB consilience-4590 78 10 it it PRON consilience-4590 78 11 more more ADV consilience-4590 78 12 expensive expensive ADJ consilience-4590 78 13 for for SCONJ consilience-4590 78 14 borrowers borrower NOUN consilience-4590 78 15 to to PART consilience-4590 78 16 borrow borrow VERB consilience-4590 78 17 – – PUNCT consilience-4590 78 18 increasing increase VERB consilience-4590 78 19 the the DET consilience-4590 78 20 stringency stringency NOUN consilience-4590 78 21 of of ADP consilience-4590 78 22 credit credit NOUN consilience-4590 78 23 disbursement disbursement NOUN consilience-4590 78 24 . . PUNCT consilience-4590 79 1 having have VERB consilience-4590 79 2 a a DET consilience-4590 79 3 low low ADJ consilience-4590 79 4 credit credit NOUN consilience-4590 79 5 score score NOUN consilience-4590 79 6 makes make VERB consilience-4590 79 7 it it PRON consilience-4590 79 8 difficult difficult ADJ consilience-4590 79 9 to to PART consilience-4590 79 10 get get VERB consilience-4590 79 11 a a DET consilience-4590 79 12 loan loan NOUN consilience-4590 79 13 at at ADP consilience-4590 79 14 a a DET consilience-4590 79 15 reasonable reasonable ADJ consilience-4590 79 16 interest interest NOUN consilience-4590 79 17 rate rate NOUN consilience-4590 79 18 , , PUNCT consilience-4590 79 19 while while SCONJ consilience-4590 79 20 those those PRON consilience-4590 79 21 who who PRON consilience-4590 79 22 have have VERB consilience-4590 79 23 a a DET consilience-4590 79 24 good good ADJ consilience-4590 79 25 score score NOUN consilience-4590 79 26 benefit benefit NOUN consilience-4590 79 27 from from ADP consilience-4590 79 28 better well ADJ consilience-4590 79 29 interest interest NOUN consilience-4590 79 30 rates rate NOUN consilience-4590 79 31 . . PUNCT consilience-4590 80 1 this this PRON consilience-4590 80 2 could could AUX consilience-4590 80 3 result result VERB consilience-4590 80 4 in in ADP consilience-4590 80 5 the the DET consilience-4590 80 6 exclusion exclusion NOUN consilience-4590 80 7 of of ADP consilience-4590 80 8 certain certain ADJ consilience-4590 80 9 groups group NOUN consilience-4590 80 10 . . PUNCT consilience-4590 80 11                                                                                                                                                                                                                                                     SPACE consilience-4590 81 1 8 8 NUM consilience-4590 81 2     SPACE consilience-4590 81 3 borrowers borrower NOUN consilience-4590 81 4 below below ADP consilience-4590 81 5 the the DET consilience-4590 81 6 tolerated tolerate VERB consilience-4590 81 7 risk risk NOUN consilience-4590 81 8 limit limit NOUN consilience-4590 81 9 . . PUNCT consilience-4590 82 1 9the 9the DET consilience-4590 82 2 statistical statistical ADJ consilience-4590 82 3 model model NOUN consilience-4590 82 4 of of ADP consilience-4590 82 5 credit credit NOUN consilience-4590 82 6 scoring scoring NOUN consilience-4590 82 7 can can AUX consilience-4590 82 8 become become VERB consilience-4590 82 9 “ " PUNCT consilience-4590 82 10 uncompromising uncompromising NOUN consilience-4590 82 11 ” " PUNCT consilience-4590 82 12 because because SCONJ consilience-4590 82 13 it it PRON consilience-4590 82 14 is be AUX consilience-4590 82 15 based base VERB consilience-4590 82 16 uniquely uniquely ADV consilience-4590 82 17 on on ADP consilience-4590 82 18 mathematical mathematical ADJ consilience-4590 82 19 formulas formula NOUN consilience-4590 82 20 that that PRON consilience-4590 82 21 segregate segregate VERB consilience-4590 82 22 certain certain ADJ consilience-4590 82 23 clients client NOUN consilience-4590 82 24 who who PRON consilience-4590 82 25 may may AUX consilience-4590 82 26 have have VERB consilience-4590 82 27 a a DET consilience-4590 82 28 low low ADJ consilience-4590 82 29 score score NOUN consilience-4590 82 30 but but CCONJ consilience-4590 82 31 whose whose DET consilience-4590 82 32 project project NOUN consilience-4590 82 33 ideas idea NOUN consilience-4590 82 34 may may AUX consilience-4590 82 35 have have VERB consilience-4590 82 36 potential potential NOUN consilience-4590 82 37 . . PUNCT consilience-4590 83 1 consilience consilience NOUN consilience-4590 83 2 kinda kinda NOUN consilience-4590 83 3 : : PUNCT consilience-4590 83 4 credit credit NOUN consilience-4590 83 5 scoring scoring NOUN consilience-4590 83 6 model model NOUN consilience-4590 83 7 21 21 NUM consilience-4590 83 8         SPACE consilience-4590 83 9 in in ADP consilience-4590 83 10 addition addition NOUN consilience-4590 83 11 to to ADP consilience-4590 83 12 addressing address VERB consilience-4590 83 13 both both CCONJ consilience-4590 83 14 the the DET consilience-4590 83 15 advantages advantage NOUN consilience-4590 83 16 and and CCONJ consilience-4590 83 17 disadvantages disadvantage NOUN consilience-4590 83 18 of of ADP consilience-4590 83 19 this this DET consilience-4590 83 20 approach approach NOUN consilience-4590 83 21 , , PUNCT consilience-4590 83 22 it it PRON consilience-4590 83 23 is be AUX consilience-4590 83 24 important important ADJ consilience-4590 83 25 to to PART consilience-4590 83 26 elaborate elaborate VERB consilience-4590 83 27 on on ADP consilience-4590 83 28 the the DET consilience-4590 83 29 course course NOUN consilience-4590 83 30 of of ADP consilience-4590 83 31 action action NOUN consilience-4590 83 32 that that PRON consilience-4590 83 33 will will AUX consilience-4590 83 34 give give VERB consilience-4590 83 35 rise rise NOUN consilience-4590 83 36 to to ADP consilience-4590 83 37 a a DET consilience-4590 83 38 credit credit NOUN consilience-4590 83 39 scoring scoring NOUN consilience-4590 83 40 model model NOUN consilience-4590 83 41 that that PRON consilience-4590 83 42 is be AUX consilience-4590 83 43 adapted adapt VERB consilience-4590 83 44 to to ADP consilience-4590 83 45 the the DET consilience-4590 83 46 specific specific ADJ consilience-4590 83 47 needs need NOUN consilience-4590 83 48 of of ADP consilience-4590 83 49 meczop meczop PROPN consilience-4590 83 50 . . PUNCT consilience-4590 84 1 3 3 X consilience-4590 84 2 . . X consilience-4590 84 3 credit credit NOUN consilience-4590 84 4 scoring scoring NOUN consilience-4590 84 5 : : PUNCT consilience-4590 84 6 theoretical theoretical ADJ consilience-4590 84 7 framework framework NOUN consilience-4590 84 8 the the DET consilience-4590 84 9 goal goal NOUN consilience-4590 84 10 of of ADP consilience-4590 84 11 credit credit NOUN consilience-4590 84 12 scoring scoring NOUN consilience-4590 84 13 for for ADP consilience-4590 84 14 microfinance microfinance NOUN consilience-4590 84 15 and and CCONJ consilience-4590 84 16 other other ADJ consilience-4590 84 17 financial financial ADJ consilience-4590 84 18 purposes purpose NOUN consilience-4590 84 19 is be AUX consilience-4590 84 20 to to PART consilience-4590 84 21 discriminate discriminate VERB consilience-4590 84 22 between between ADP consilience-4590 84 23 bad bad ADJ consilience-4590 84 24 and and CCONJ consilience-4590 84 25 good good ADJ consilience-4590 84 26 loans loan NOUN consilience-4590 84 27 ( ( PUNCT consilience-4590 84 28 gool gool PROPN consilience-4590 84 29 et et PROPN consilience-4590 84 30 al al PROPN consilience-4590 84 31 . . PROPN consilience-4590 84 32 , , PUNCT consilience-4590 84 33 2009 2009 NUM consilience-4590 84 34 ) ) PUNCT consilience-4590 84 35 . . PUNCT consilience-4590 85 1 as as ADP consilience-4590 85 2 such such ADJ consilience-4590 85 3 , , PUNCT consilience-4590 85 4 it it PRON consilience-4590 85 5 can can AUX consilience-4590 85 6 allow allow VERB consilience-4590 85 7 a a DET consilience-4590 85 8 given give VERB consilience-4590 85 9 mfi mfi PROPN consilience-4590 85 10 to to PART consilience-4590 85 11 manage manage VERB consilience-4590 85 12 the the DET consilience-4590 85 13 risks risk NOUN consilience-4590 85 14 of of ADP consilience-4590 85 15 non non NOUN consilience-4590 85 16 - - NOUN consilience-4590 85 17 repayment repayment NOUN consilience-4590 85 18 of of ADP consilience-4590 85 19 loans loan NOUN consilience-4590 85 20 . . PUNCT consilience-4590 86 1 adverse adverse ADJ consilience-4590 86 2 selection selection NOUN consilience-4590 86 3 and and CCONJ consilience-4590 86 4 moral moral ADJ consilience-4590 86 5 hazard hazard NOUN consilience-4590 86 6 , , PUNCT consilience-4590 86 7 the the DET consilience-4590 86 8 dual dual ADJ consilience-4590 86 9 problems problem NOUN consilience-4590 86 10 of of ADP consilience-4590 86 11 asymmetric asymmetric ADJ consilience-4590 86 12 information information NOUN consilience-4590 86 13 , , PUNCT consilience-4590 86 14 justify justify VERB consilience-4590 86 15 the the DET consilience-4590 86 16 management management NOUN consilience-4590 86 17 of of ADP consilience-4590 86 18 risk risk NOUN consilience-4590 86 19 for for ADP consilience-4590 86 20 mfis mfis PROPN consilience-4590 86 21 . . PUNCT consilience-4590 87 1 adverse adverse ADJ consilience-4590 87 2 selection selection NOUN consilience-4590 87 3 designates designate VERB consilience-4590 87 4 a a DET consilience-4590 87 5 situation situation NOUN consilience-4590 87 6 in in ADP consilience-4590 87 7 which which PRON consilience-4590 87 8 clients client NOUN consilience-4590 87 9 know know VERB consilience-4590 87 10 more more ADJ consilience-4590 87 11 about about ADP consilience-4590 87 12 their their PRON consilience-4590 87 13 risk risk NOUN consilience-4590 87 14 level level NOUN consilience-4590 87 15 than than ADP consilience-4590 87 16 their their PRON consilience-4590 87 17 lender lender NOUN consilience-4590 87 18 . . PUNCT consilience-4590 88 1 in in ADP consilience-4590 88 2 the the DET consilience-4590 88 3 microfinance microfinance NOUN consilience-4590 88 4 context context NOUN consilience-4590 88 5 , , PUNCT consilience-4590 88 6 borrowers borrower NOUN consilience-4590 88 7 hiding hide VERB consilience-4590 88 8 information information NOUN consilience-4590 88 9 to to PART consilience-4590 88 10 benefit benefit VERB consilience-4590 88 11 from from ADP consilience-4590 88 12 loans loan NOUN consilience-4590 88 13 is be AUX consilience-4590 88 14 an an DET consilience-4590 88 15 example example NOUN consilience-4590 88 16 of of ADP consilience-4590 88 17 adverse adverse ADJ consilience-4590 88 18 selection selection NOUN consilience-4590 88 19 . . PUNCT consilience-4590 89 1 the the DET consilience-4590 89 2 outcome outcome NOUN consilience-4590 89 3 of of ADP consilience-4590 89 4 this this DET consilience-4590 89 5 phenomenon phenomenon NOUN consilience-4590 89 6 is be AUX consilience-4590 89 7 an an DET consilience-4590 89 8 increase increase NOUN consilience-4590 89 9 in in ADP consilience-4590 89 10 the the DET consilience-4590 89 11 interest interest NOUN consilience-4590 89 12 rate rate NOUN consilience-4590 89 13 by by ADP consilience-4590 89 14 the the DET consilience-4590 89 15 mfi mfi PROPN consilience-4590 89 16 to to PART consilience-4590 89 17 protect protect VERB consilience-4590 89 18 itself itself PRON consilience-4590 89 19 against against ADP consilience-4590 89 20 defaults default NOUN consilience-4590 89 21 . . PUNCT consilience-4590 90 1 this this PRON consilience-4590 90 2 could could AUX consilience-4590 90 3 result result VERB consilience-4590 90 4 in in ADP consilience-4590 90 5 the the DET consilience-4590 90 6 selection selection NOUN consilience-4590 90 7 of of ADP consilience-4590 90 8 high high ADJ consilience-4590 90 9 - - PUNCT consilience-4590 90 10 risk risk NOUN consilience-4590 90 11 clients client NOUN consilience-4590 90 12 , , PUNCT consilience-4590 90 13 because because SCONJ consilience-4590 90 14 good good ADJ consilience-4590 90 15 clients client NOUN consilience-4590 90 16 will will AUX consilience-4590 90 17 fear fear VERB consilience-4590 90 18 being be AUX consilience-4590 90 19 able able ADJ consilience-4590 90 20 to to PART consilience-4590 90 21 reimburse reimburse VERB consilience-4590 90 22 the the DET consilience-4590 90 23 credit credit NOUN consilience-4590 90 24 . . PUNCT consilience-4590 91 1 moral moral ADJ consilience-4590 91 2 hazard hazard NOUN consilience-4590 91 3 takes take VERB consilience-4590 91 4 place place NOUN consilience-4590 91 5 after after ADP consilience-4590 91 6 the the DET consilience-4590 91 7 credit credit NOUN consilience-4590 91 8 application application NOUN consilience-4590 91 9 and and CCONJ consilience-4590 91 10 approval approval NOUN consilience-4590 91 11 . . PUNCT consilience-4590 92 1 it it PRON consilience-4590 92 2 is be AUX consilience-4590 92 3 the the DET consilience-4590 92 4 inability inability NOUN consilience-4590 92 5 of of ADP consilience-4590 92 6 the the DET consilience-4590 92 7 mfi mfi PROPN consilience-4590 92 8 to to PART consilience-4590 92 9 control control VERB consilience-4590 92 10 the the DET consilience-4590 92 11 behavior behavior NOUN consilience-4590 92 12 of of ADP consilience-4590 92 13 the the DET consilience-4590 92 14 borrower borrower NOUN consilience-4590 92 15 as as SCONJ consilience-4590 92 16 it it PRON consilience-4590 92 17 pertains pertain VERB consilience-4590 92 18 to to ADP consilience-4590 92 19 the the DET consilience-4590 92 20 purpose purpose NOUN consilience-4590 92 21 and and CCONJ consilience-4590 92 22 objective objective NOUN consilience-4590 92 23 of of ADP consilience-4590 92 24 the the DET consilience-4590 92 25 loan loan NOUN consilience-4590 92 26 without without ADP consilience-4590 92 27 incurring incur VERB consilience-4590 92 28 additional additional ADJ consilience-4590 92 29 costs cost NOUN consilience-4590 92 30 . . PUNCT consilience-4590 93 1 borrowers borrower NOUN consilience-4590 93 2 can can AUX consilience-4590 93 3 at at ADP consilience-4590 93 4 any any DET consilience-4590 93 5 time time NOUN consilience-4590 93 6 adopt adopt VERB consilience-4590 93 7 opportunistic opportunistic ADJ consilience-4590 93 8 behavior behavior NOUN consilience-4590 93 9 that that PRON consilience-4590 93 10 could could AUX consilience-4590 93 11 compromise compromise VERB consilience-4590 93 12 their their PRON consilience-4590 93 13 capacity capacity NOUN consilience-4590 93 14 to to PART consilience-4590 93 15 reimburse reimburse VERB consilience-4590 93 16 the the DET consilience-4590 93 17 loans loan NOUN consilience-4590 93 18 . . PUNCT consilience-4590 94 1 credit credit NOUN consilience-4590 94 2 scoring scoring NOUN consilience-4590 94 3 alleviates alleviate VERB consilience-4590 94 4 these these DET consilience-4590 94 5 problems problem NOUN consilience-4590 94 6 by by ADP consilience-4590 94 7 increasing increase VERB consilience-4590 94 8 the the DET consilience-4590 94 9 ability ability NOUN consilience-4590 94 10 of of ADP consilience-4590 94 11 lenders lender NOUN consilience-4590 94 12 to to PART consilience-4590 94 13 predict predict VERB consilience-4590 94 14 the the DET consilience-4590 94 15 risk risk NOUN consilience-4590 94 16 of of ADP consilience-4590 94 17 different different ADJ consilience-4590 94 18 borrowers borrower NOUN consilience-4590 94 19 and and CCONJ consilience-4590 94 20 pricing pricing NOUN consilience-4590 94 21 accordingly accordingly ADV consilience-4590 94 22 . . PUNCT consilience-4590 95 1 4 4 X consilience-4590 95 2 . . X consilience-4590 95 3 description description NOUN consilience-4590 95 4 of of ADP consilience-4590 95 5 the the DET consilience-4590 95 6 selected select VERB consilience-4590 95 7 variables variable NOUN consilience-4590 95 8 the the DET consilience-4590 95 9 selection selection NOUN consilience-4590 95 10 of of ADP consilience-4590 95 11 the the DET consilience-4590 95 12 variables variable NOUN consilience-4590 95 13 is be AUX consilience-4590 95 14 from from ADP consilience-4590 95 15 evaluation evaluation NOUN consilience-4590 95 16 of of ADP consilience-4590 95 17 the the DET consilience-4590 95 18 socioeconomic socioeconomic ADJ consilience-4590 95 19 and and CCONJ consilience-4590 95 20 demographic demographic ADJ consilience-4590 95 21 environment environment NOUN consilience-4590 95 22 of of ADP consilience-4590 95 23 potou potou NOUN consilience-4590 95 24 . . PUNCT consilience-4590 96 1 it it PRON consilience-4590 96 2 was be AUX consilience-4590 96 3 also also ADV consilience-4590 96 4 based base VERB consilience-4590 96 5 on on ADP consilience-4590 96 6 an an DET consilience-4590 96 7 assessment assessment NOUN consilience-4590 96 8 of of ADP consilience-4590 96 9 the the DET consilience-4590 96 10 information information NOUN consilience-4590 96 11 available available ADJ consilience-4590 96 12 . . PUNCT consilience-4590 97 1 a a DET consilience-4590 97 2 key key ADJ consilience-4590 97 3 determinant determinant NOUN consilience-4590 97 4 of of ADP consilience-4590 97 5 variable variable ADJ consilience-4590 97 6 selection selection NOUN consilience-4590 97 7 was be AUX consilience-4590 97 8 the the DET consilience-4590 97 9 information information NOUN consilience-4590 97 10 provided provide VERB consilience-4590 97 11 by by ADP consilience-4590 97 12 the the DET consilience-4590 97 13 loan loan NOUN consilience-4590 97 14 officer officer NOUN consilience-4590 97 15 as as ADV consilience-4590 97 16 well well ADV consilience-4590 97 17 as as ADP consilience-4590 97 18 a a DET consilience-4590 97 19 thorough thorough ADJ consilience-4590 97 20 review review NOUN consilience-4590 97 21 of of ADP consilience-4590 97 22 meczop meczop PROPN consilience-4590 97 23 ’s ’s PART consilience-4590 97 24 loan loan NOUN consilience-4590 97 25 application application NOUN consilience-4590 97 26 . . PUNCT consilience-4590 98 1 dependent dependent ADJ consilience-4590 98 2 variable variable NOUN consilience-4590 98 3 the the DET consilience-4590 98 4 dependent dependent ADJ consilience-4590 98 5 variable variable NOUN consilience-4590 98 6 in in ADP consilience-4590 98 7 this this DET consilience-4590 98 8 model model NOUN consilience-4590 98 9 is be AUX consilience-4590 98 10 late late ADJ consilience-4590 98 11 repayment repayment NOUN consilience-4590 98 12 , , PUNCT consilience-4590 98 13 labeled label VERB consilience-4590 98 14 in in ADP consilience-4590 98 15 the the DET consilience-4590 98 16 data datum NOUN consilience-4590 98 17 as as ADP consilience-4590 98 18 “ " PUNCT consilience-4590 98 19 empr empr NOUN consilience-4590 98 20 - - PUNCT consilience-4590 98 21 retard retard NOUN consilience-4590 98 22 ” " PUNCT consilience-4590 98 23 . . PUNCT consilience-4590 99 1 it it PRON consilience-4590 99 2 is be AUX consilience-4590 99 3 a a DET consilience-4590 99 4 dummy dummy ADJ consilience-4590 99 5 variable variable NOUN consilience-4590 99 6 coded code VERB consilience-4590 99 7 one one NUM consilience-4590 99 8 if if SCONJ consilience-4590 99 9 a a DET consilience-4590 99 10 repayment repayment NOUN consilience-4590 99 11 was be AUX consilience-4590 99 12 late late ADJ consilience-4590 99 13 and and CCONJ consilience-4590 99 14 zero zero NUM consilience-4590 99 15 if if SCONJ consilience-4590 99 16 the the DET consilience-4590 99 17 loan loan NOUN consilience-4590 99 18 payments payment NOUN consilience-4590 99 19 were be AUX consilience-4590 99 20 on on ADP consilience-4590 99 21 time time NOUN consilience-4590 99 22 . . PUNCT consilience-4590 100 1 the the DET consilience-4590 100 2 independent independent ADJ consilience-4590 100 3 variables variable NOUN consilience-4590 100 4 after after ADP consilience-4590 100 5 a a DET consilience-4590 100 6 review review NOUN consilience-4590 100 7 of of ADP consilience-4590 100 8 the the DET consilience-4590 100 9 literature literature NOUN consilience-4590 100 10 ( ( PUNCT consilience-4590 100 11 schreiner10 schreiner10 INTJ consilience-4590 100 12 , , PUNCT consilience-4590 100 13 2004 2004 NUM consilience-4590 100 14 ; ; PUNCT consilience-4590 100 15 gool gool PROPN consilience-4590 100 16 and and CCONJ consilience-4590 100 17 al al PROPN consilience-4590 100 18 . . PROPN consilience-4590 100 19 , , PUNCT consilience-4590 100 20 2009 2009 NUM consilience-4590 100 21 ) ) PUNCT consilience-4590 100 22 , , PUNCT consilience-4590 100 23 the the DET consilience-4590 100 24 independent independent ADJ consilience-4590 100 25 variables variable NOUN consilience-4590 100 26 are be AUX consilience-4590 100 27 arranged arrange VERB consilience-4590 100 28 in in ADP consilience-4590 100 29 three three NUM consilience-4590 100 30 categories category NOUN consilience-4590 100 31 according accord VERB consilience-4590 100 32 to to ADP consilience-4590 100 33 the the DET consilience-4590 100 34 determinants determinant NOUN consilience-4590 100 35 of of ADP consilience-4590 100 36 repayment repayment NOUN consilience-4590 100 37 : : PUNCT consilience-4590 100 38 socio socio NOUN consilience-4590 100 39 – – PUNCT consilience-4590 100 40 economic economic ADJ consilience-4590 100 41 characteristics characteristic NOUN consilience-4590 100 42 of of ADP consilience-4590 100 43 the the DET consilience-4590 100 44 borrower borrower NOUN consilience-4590 100 45 , , PUNCT consilience-4590 100 46 characteristics characteristic NOUN consilience-4590 100 47 of of ADP consilience-4590 100 48 the the DET consilience-4590 100 49 loan loan NOUN consilience-4590 100 50 and and CCONJ consilience-4590 100 51 those those PRON consilience-4590 100 52 related relate VERB consilience-4590 100 53 to to ADP consilience-4590 100 54 the the DET consilience-4590 100 55 experience experience NOUN consilience-4590 100 56 of of ADP consilience-4590 100 57 the the DET consilience-4590 100 58 loan loan NOUN consilience-4590 100 59 officer officer NOUN consilience-4590 100 60 . . PUNCT consilience-4590 101 1 the the DET consilience-4590 101 2 characteristics characteristic NOUN consilience-4590 101 3 of of ADP consilience-4590 101 4 the the DET consilience-4590 101 5 borrower borrower NOUN consilience-4590 101 6 provide provide VERB consilience-4590 101 7 insight insight NOUN consilience-4590 101 8 into into ADP consilience-4590 101 9 the the DET consilience-4590 101 10 likelihood likelihood NOUN consilience-4590 101 11 of of ADP consilience-4590 101 12 repayment repayment NOUN consilience-4590 101 13 . . PUNCT consilience-4590 101 14                                                                                                                                                                                                                                                     SPACE consilience-4590 102 1 10schreiner 10schreiner NUM consilience-4590 102 2 classified classify VERB consilience-4590 102 3 the the DET consilience-4590 102 4 explanatory explanatory ADJ consilience-4590 102 5 determinants determinant NOUN consilience-4590 102 6 of of ADP consilience-4590 102 7 reimbursement reimbursement NOUN consilience-4590 102 8 into into ADP consilience-4590 102 9 three three NUM consilience-4590 102 10 categories category NOUN consilience-4590 102 11 : : PUNCT consilience-4590 102 12 the the DET consilience-4590 102 13 socio socio NOUN consilience-4590 102 14 - - PUNCT consilience-4590 102 15 economic economic ADJ consilience-4590 102 16 characteristics characteristic NOUN consilience-4590 102 17 of of ADP consilience-4590 102 18 the the DET consilience-4590 102 19 borrower borrower NOUN consilience-4590 102 20 , , PUNCT consilience-4590 102 21 the the DET consilience-4590 102 22 characteristics characteristic NOUN consilience-4590 102 23 of of ADP consilience-4590 102 24 the the DET consilience-4590 102 25 borrower borrower NOUN consilience-4590 102 26 , , PUNCT consilience-4590 102 27 and and CCONJ consilience-4590 102 28 the the DET consilience-4590 102 29 loan loan NOUN consilience-4590 102 30 characteristics characteristic NOUN consilience-4590 102 31 . . PUNCT consilience-4590 102 32     SPACE consilience-4590 103 1 consilience consilience NOUN consilience-4590 103 2 kinda kinda NOUN consilience-4590 103 3 : : PUNCT consilience-4590 103 4 credit credit NOUN consilience-4590 103 5 scoring scoring NOUN consilience-4590 103 6 model model NOUN consilience-4590 103 7 22 22 NUM consilience-4590 103 8         SPACE consilience-4590 103 9 knowing know VERB consilience-4590 103 10 about about ADP consilience-4590 103 11 the the DET consilience-4590 103 12 borrowers borrower NOUN consilience-4590 103 13 ’ ’ PART consilience-4590 103 14 external external ADJ consilience-4590 103 15 conditions condition NOUN consilience-4590 103 16 ( ( PUNCT consilience-4590 103 17 social social ADJ consilience-4590 103 18 and and CCONJ consilience-4590 103 19 economic economic ADJ consilience-4590 103 20 ) ) PUNCT consilience-4590 103 21 is be AUX consilience-4590 103 22 an an DET consilience-4590 103 23 important important ADJ consilience-4590 103 24 way way NOUN consilience-4590 103 25 of of ADP consilience-4590 103 26 knowing know VERB consilience-4590 103 27 what what PRON consilience-4590 103 28 factors factor NOUN consilience-4590 103 29 could could AUX consilience-4590 103 30 reduce reduce VERB consilience-4590 103 31 their their PRON consilience-4590 103 32 willingness willingness NOUN consilience-4590 103 33 to to PART consilience-4590 103 34 repay repay VERB consilience-4590 103 35 . . PUNCT consilience-4590 104 1 the the DET consilience-4590 104 2 characteristic characteristic NOUN consilience-4590 104 3 of of ADP consilience-4590 104 4 the the DET consilience-4590 104 5 loan loan NOUN consilience-4590 104 6 is be AUX consilience-4590 104 7 an an DET consilience-4590 104 8 important important ADJ consilience-4590 104 9 factor factor NOUN consilience-4590 104 10 because because SCONJ consilience-4590 104 11 of of ADP consilience-4590 104 12 how how SCONJ consilience-4590 104 13 the the DET consilience-4590 104 14 demanding demand VERB consilience-4590 104 15 contractual contractual ADJ consilience-4590 104 16 conditions condition NOUN consilience-4590 104 17 of of ADP consilience-4590 104 18 the the DET consilience-4590 104 19 mfi mfi PROPN consilience-4590 104 20 can can AUX consilience-4590 104 21 induce induce VERB consilience-4590 104 22 or or CCONJ consilience-4590 104 23 discourage discourage VERB consilience-4590 104 24 borrowers borrower NOUN consilience-4590 104 25 to to PART consilience-4590 104 26 respect respect VERB consilience-4590 104 27 their their PRON consilience-4590 104 28 obligations obligation NOUN consilience-4590 104 29 . . PUNCT consilience-4590 105 1 the the DET consilience-4590 105 2 loan loan NOUN consilience-4590 105 3 officer officer NOUN consilience-4590 105 4 plays play VERB consilience-4590 105 5 an an DET consilience-4590 105 6 important important ADJ consilience-4590 105 7 role role NOUN consilience-4590 105 8 in in ADP consilience-4590 105 9 identifying identify VERB consilience-4590 105 10 a a DET consilience-4590 105 11 bad bad ADJ consilience-4590 105 12 borrower borrower NOUN consilience-4590 105 13 , , PUNCT consilience-4590 105 14 by by ADP consilience-4590 105 15 evaluating evaluate VERB consilience-4590 105 16 their their PRON consilience-4590 105 17 credibility credibility NOUN consilience-4590 105 18 prior prior ADV consilience-4590 105 19 to to ADP consilience-4590 105 20 credit credit NOUN consilience-4590 105 21 disbursement disbursement NOUN consilience-4590 105 22 . . PUNCT consilience-4590 106 1 for for ADP consilience-4590 106 2 socio socio NOUN consilience-4590 106 3 - - PUNCT consilience-4590 106 4 economic economic ADJ consilience-4590 106 5 characteristics characteristic NOUN consilience-4590 106 6 of of ADP consilience-4590 106 7 the the DET consilience-4590 106 8 borrower borrower NOUN consilience-4590 106 9 , , PUNCT consilience-4590 106 10 the the DET consilience-4590 106 11 variables variable NOUN consilience-4590 106 12 are be AUX consilience-4590 106 13 as as SCONJ consilience-4590 106 14 follows follow VERB consilience-4590 106 15 : : PUNCT consilience-4590 106 16 • • ADP consilience-4590 106 17 the the DET consilience-4590 106 18 age age NOUN consilience-4590 106 19 of of ADP consilience-4590 106 20 the the DET consilience-4590 106 21 borrower borrower NOUN consilience-4590 106 22 • • NOUN consilience-4590 106 23 sex sex NOUN consilience-4590 106 24 ( ( PUNCT consilience-4590 106 25 gender gender NOUN consilience-4590 106 26 ) ) PUNCT consilience-4590 106 27 • • NOUN consilience-4590 106 28 the the DET consilience-4590 106 29 number number NOUN consilience-4590 106 30 of of ADP consilience-4590 106 31 dependents dependent NOUN consilience-4590 106 32 • • ADP consilience-4590 106 33 the the DET consilience-4590 106 34 number number NOUN consilience-4590 106 35 of of ADP consilience-4590 106 36 loans loan NOUN consilience-4590 106 37 already already ADV consilience-4590 106 38 obtained obtain VERB consilience-4590 106 39 • • NOUN consilience-4590 106 40 the the DET consilience-4590 106 41 reimbursement reimbursement NOUN consilience-4590 106 42 of of ADP consilience-4590 106 43 past past ADJ consilience-4590 106 44 loans loan NOUN consilience-4590 106 45 • • ADP consilience-4590 106 46 the the DET consilience-4590 106 47 number number NOUN consilience-4590 106 48 of of ADP consilience-4590 106 49 years year NOUN consilience-4590 106 50 spent spend VERB consilience-4590 106 51 practicing practice VERB consilience-4590 106 52 an an DET consilience-4590 106 53 economic economic ADJ consilience-4590 106 54 activity activity NOUN consilience-4590 106 55 the the DET consilience-4590 106 56 variables variable NOUN consilience-4590 106 57 for for ADP consilience-4590 106 58 the the DET consilience-4590 106 59 characteristics characteristic NOUN consilience-4590 106 60 of of ADP consilience-4590 106 61 the the DET consilience-4590 106 62 loan loan NOUN consilience-4590 106 63 are be AUX consilience-4590 106 64 as as SCONJ consilience-4590 106 65 follows follow VERB consilience-4590 106 66 : : PUNCT consilience-4590 106 67 • • ADP consilience-4590 106 68 the the DET consilience-4590 106 69 purpose purpose NOUN consilience-4590 106 70 of of ADP consilience-4590 106 71 the the DET consilience-4590 106 72 loan loan NOUN consilience-4590 106 73 • • ADP consilience-4590 106 74 the the DET consilience-4590 106 75 guarantee guarantee NOUN consilience-4590 106 76 provided provide VERB consilience-4590 106 77 • • NOUN consilience-4590 106 78 the the DET consilience-4590 106 79 frequency frequency NOUN consilience-4590 106 80 of of ADP consilience-4590 106 81 repayment repayment NOUN consilience-4590 106 82 • • ADP consilience-4590 106 83 the the DET consilience-4590 106 84 loan loan NOUN consilience-4590 106 85 amount amount NOUN consilience-4590 106 86 • • ADP consilience-4590 106 87 the the DET consilience-4590 106 88 duration duration NOUN consilience-4590 106 89 of of ADP consilience-4590 106 90 the the DET consilience-4590 106 91 loan loan NOUN consilience-4590 106 92 • • NOUN consilience-4590 106 93 the the DET consilience-4590 106 94 time time NOUN consilience-4590 106 95 between between ADP consilience-4590 106 96 the the DET consilience-4590 106 97 demand demand NOUN consilience-4590 106 98 and and CCONJ consilience-4590 106 99 the the DET consilience-4590 106 100 loan loan NOUN consilience-4590 106 101 disbursement disbursement NOUN consilience-4590 106 102 the the DET consilience-4590 106 103 final final ADJ consilience-4590 106 104 category category NOUN consilience-4590 106 105 is be AUX consilience-4590 106 106 the the DET consilience-4590 106 107 experience experience NOUN consilience-4590 106 108 of of ADP consilience-4590 106 109 the the DET consilience-4590 106 110 loan loan NOUN consilience-4590 106 111 officer officer NOUN consilience-4590 106 112 . . PUNCT consilience-4590 107 1 5 5 X consilience-4590 107 2 . . X consilience-4590 107 3 description description NOUN consilience-4590 107 4 of of ADP consilience-4590 107 5 the the DET consilience-4590 107 6 sample sample NOUN consilience-4590 107 7 the the DET consilience-4590 107 8 sample sample NOUN consilience-4590 107 9 size size NOUN consilience-4590 107 10 is be AUX consilience-4590 107 11 made make VERB consilience-4590 107 12 up up ADP consilience-4590 107 13 of of ADP consilience-4590 107 14 30 30 NUM consilience-4590 107 15 borrowers borrower NOUN consilience-4590 107 16 for for ADP consilience-4590 107 17 whom whom PRON consilience-4590 107 18 the the DET consilience-4590 107 19 loans loan NOUN consilience-4590 107 20 were be AUX consilience-4590 107 21 disbursed disburse VERB consilience-4590 107 22 and and CCONJ consilience-4590 107 23 or or CCONJ consilience-4590 107 24 reimbursed reimburse VERB consilience-4590 107 25 during during ADP consilience-4590 107 26 the the DET consilience-4590 107 27 period period NOUN consilience-4590 107 28 from from ADP consilience-4590 107 29 january january PROPN consilience-4590 107 30 1st 1st NOUN consilience-4590 107 31 2007 2007 NUM consilience-4590 107 32 to to ADP consilience-4590 107 33 the the DET consilience-4590 107 34 31st 31st ADJ consilience-4590 107 35 december december PROPN consilience-4590 107 36 2010 2010 NUM consilience-4590 107 37 . . PUNCT consilience-4590 108 1 in in ADP consilience-4590 108 2 the the DET consilience-4590 108 3 sample sample NOUN consilience-4590 108 4 we we PRON consilience-4590 108 5 have have VERB consilience-4590 108 6 15 15 NUM consilience-4590 108 7 good good ADJ consilience-4590 108 8 borrowers borrower NOUN consilience-4590 108 9 and and CCONJ consilience-4590 108 10 1511 1511 NUM consilience-4590 108 11 bad bad ADJ consilience-4590 108 12 borrowers borrower NOUN consilience-4590 108 13 . . PUNCT consilience-4590 109 1 the the DET consilience-4590 109 2 sampling sampling NOUN consilience-4590 109 3 was be AUX consilience-4590 109 4 based base VERB consilience-4590 109 5 on on ADP consilience-4590 109 6 the the DET consilience-4590 109 7 total total ADJ consilience-4590 109 8 number number NOUN consilience-4590 109 9 of of ADP consilience-4590 109 10 customers customer NOUN consilience-4590 109 11 who who PRON consilience-4590 109 12 applied apply VERB consilience-4590 109 13 for for ADP consilience-4590 109 14 a a DET consilience-4590 109 15 credit credit NOUN consilience-4590 109 16 in in ADP consilience-4590 109 17 order order NOUN consilience-4590 109 18 to to PART consilience-4590 109 19 avoid avoid VERB consilience-4590 109 20 the the DET consilience-4590 109 21 reject reject PROPN consilience-4590 109 22 inference inference NOUN consilience-4590 109 23 bias12 bias12 NOUN consilience-4590 109 24 . . PUNCT consilience-4590 110 1 a a DET consilience-4590 110 2 sample sample NOUN consilience-4590 110 3 was be AUX consilience-4590 110 4 randomly randomly ADV consilience-4590 110 5 drawn draw VERB consilience-4590 110 6 that that SCONJ consilience-4590 110 7 only only ADV consilience-4590 110 8 constituted constitute VERB consilience-4590 110 9 retail retail ADJ consilience-4590 110 10 loans loan NOUN consilience-4590 110 11 . . PUNCT consilience-4590 111 1 however however ADV consilience-4590 111 2 , , PUNCT consilience-4590 111 3 the the DET consilience-4590 111 4 meczop meczop PROPN consilience-4590 111 5 ’s ’s PART consilience-4590 111 6 database database NOUN consilience-4590 111 7 only only ADV consilience-4590 111 8 gathers gather VERB consilience-4590 111 9 data datum NOUN consilience-4590 111 10 on on ADP consilience-4590 111 11 clients client NOUN consilience-4590 111 12 to to PART consilience-4590 111 13 whom whom PRON consilience-4590 111 14 a a DET consilience-4590 111 15 credit credit NOUN consilience-4590 111 16 has have AUX consilience-4590 111 17 been be AUX consilience-4590 111 18 given give VERB consilience-4590 111 19 . . PUNCT consilience-4590 112 1 so so ADV consilience-4590 112 2 the the DET consilience-4590 112 3 problem problem NOUN consilience-4590 112 4 of of ADP consilience-4590 112 5 reject reject PROPN consilience-4590 112 6 inference inference NOUN consilience-4590 112 7 bias bias NOUN consilience-4590 112 8 does do AUX consilience-4590 112 9 not not PART consilience-4590 112 10 occur occur VERB consilience-4590 112 11 . . PUNCT consilience-4590 112 12                                                                                                                                                                                                                                                     SPACE consilience-4590 113 1 11 11 NUM consilience-4590 113 2     SPACE consilience-4590 113 3 the the DET consilience-4590 113 4 bad bad ADJ consilience-4590 113 5 borrowers borrower NOUN consilience-4590 113 6 were be AUX consilience-4590 113 7 selected select VERB consilience-4590 113 8 using use VERB consilience-4590 113 9 meczop meczop PROPN consilience-4590 113 10 ’s ’s PART consilience-4590 113 11 criteria criterion NOUN consilience-4590 113 12 . . PUNCT consilience-4590 114 1 12it 12it PROPN consilience-4590 114 2 is be AUX consilience-4590 114 3 the the DET consilience-4590 114 4 process process NOUN consilience-4590 114 5 of of ADP consilience-4590 114 6 deducing deduce VERB consilience-4590 114 7 how how SCONJ consilience-4590 114 8 a a DET consilience-4590 114 9 rejected reject VERB consilience-4590 114 10 applicant applicant ADJ consilience-4590 114 11 case case NOUN consilience-4590 114 12 would would AUX consilience-4590 114 13 have have AUX consilience-4590 114 14 behaved behave VERB consilience-4590 114 15 had have AUX consilience-4590 114 16 it it PRON consilience-4590 114 17 been be AUX consilience-4590 114 18 granted grant VERB consilience-4590 114 19 the the DET consilience-4590 114 20 credit credit NOUN consilience-4590 114 21 : : PUNCT consilience-4590 114 22 the the DET consilience-4590 114 23 performance performance NOUN consilience-4590 114 24 classification classification NOUN consilience-4590 114 25 will will AUX consilience-4590 114 26 be be AUX consilience-4590 114 27 assigned assign VERB consilience-4590 114 28 to to ADP consilience-4590 114 29 rejected reject VERB consilience-4590 114 30 cases case NOUN consilience-4590 114 31 . . PUNCT consilience-4590 115 1 the the DET consilience-4590 115 2 data data NOUN consilience-4590 115 3 is be AUX consilience-4590 115 4 then then ADV consilience-4590 115 5 included include VERB consilience-4590 115 6 in in ADP consilience-4590 115 7 the the DET consilience-4590 115 8 scoring scoring NOUN consilience-4590 115 9 model model NOUN consilience-4590 115 10 development development NOUN consilience-4590 115 11 process process NOUN consilience-4590 115 12 . . PUNCT consilience-4590 116 1 the the DET consilience-4590 116 2 accounts account NOUN consilience-4590 116 3 with with ADP consilience-4590 116 4 known know VERB consilience-4590 116 5 classification classification NOUN consilience-4590 116 6 are be AUX consilience-4590 116 7 to to PART consilience-4590 116 8 be be AUX consilience-4590 116 9 augmented augment VERB consilience-4590 116 10 , , PUNCT consilience-4590 116 11 in in ADP consilience-4590 116 12 order order NOUN consilience-4590 116 13 to to PART consilience-4590 116 14 obtain obtain VERB consilience-4590 116 15 a a DET consilience-4590 116 16     SPACE consilience-4590 116 17 complete complete ADJ consilience-4590 116 18     SPACE consilience-4590 116 19 picture picture NOUN consilience-4590 116 20 of of ADP consilience-4590 116 21 the the DET consilience-4590 116 22 population population NOUN consilience-4590 116 23 applying apply VERB consilience-4590 116 24 for for ADP consilience-4590 116 25 credit credit NOUN consilience-4590 116 26 . . PUNCT consilience-4590 117 1 the the DET consilience-4590 117 2 scoring scoring NOUN consilience-4590 117 3 model model NOUN consilience-4590 117 4 that that PRON consilience-4590 117 5 inferred infer VERB consilience-4590 117 6 the the DET consilience-4590 117 7 information information NOUN consilience-4590 117 8 of of ADP consilience-4590 117 9 the the DET consilience-4590 117 10 rejected reject VERB consilience-4590 117 11 applicants applicant NOUN consilience-4590 117 12 should should AUX consilience-4590 117 13 theoretically theoretically ADV consilience-4590 117 14 be be AUX consilience-4590 117 15 better well ADJ consilience-4590 117 16 than than ADP consilience-4590 117 17 one one NUM consilience-4590 117 18 built build VERB consilience-4590 117 19 only only ADV consilience-4590 117 20 on on ADP consilience-4590 117 21 those those DET consilience-4590 117 22 accepted accept VERB consilience-4590 117 23 credit credit NOUN consilience-4590 117 24 ( ( PUNCT consilience-4590 117 25 liu liu PROPN consilience-4590 117 26 , , PUNCT consilience-4590 117 27 2001 2001 NUM consilience-4590 117 28 , , PUNCT consilience-4590 117 29 p.27 p.27 PROPN consilience-4590 117 30 ) ) PUNCT consilience-4590 117 31 . . PUNCT consilience-4590 118 1 however however ADV consilience-4590 118 2 the the DET consilience-4590 118 3 effectiveness effectiveness NOUN consilience-4590 118 4 of of ADP consilience-4590 118 5 this this DET consilience-4590 118 6 approach approach NOUN consilience-4590 118 7 is be AUX consilience-4590 118 8 still still ADV consilience-4590 118 9 being be AUX consilience-4590 118 10 disputed dispute VERB consilience-4590 118 11 . . PUNCT consilience-4590 119 1 consilience consilience NOUN consilience-4590 119 2 kinda kinda NOUN consilience-4590 119 3 : : PUNCT consilience-4590 119 4 credit credit NOUN consilience-4590 119 5 scoring scoring NOUN consilience-4590 119 6 model model NOUN consilience-4590 119 7 23 23 NUM consilience-4590 119 8         SPACE consilience-4590 119 9 6 6 NUM consilience-4590 119 10 . . PUNCT consilience-4590 119 11 model model NOUN consilience-4590 119 12 specification specification NOUN consilience-4590 119 13 the the DET consilience-4590 119 14 variable variable NOUN consilience-4590 119 15 that that PRON consilience-4590 119 16 the the DET consilience-4590 119 17 regression regression NOUN consilience-4590 119 18 seeks seek VERB consilience-4590 119 19 to to PART consilience-4590 119 20 explain explain VERB consilience-4590 119 21 is be AUX consilience-4590 119 22 coded code VERB consilience-4590 119 23 y y PROPN consilience-4590 119 24 = = SYM consilience-4590 119 25 1 1 NUM consilience-4590 119 26 or or CCONJ consilience-4590 119 27 y y NOUN consilience-4590 119 28 = = SYM consilience-4590 119 29 0 0 PROPN consilience-4590 119 30 . . PUNCT consilience-4590 120 1 the the DET consilience-4590 120 2 independent independent ADJ consilience-4590 120 3 variables variable NOUN consilience-4590 120 4 that that PRON consilience-4590 120 5 can can AUX consilience-4590 120 6 affect affect VERB consilience-4590 120 7 the the DET consilience-4590 120 8 dependent dependent ADJ consilience-4590 120 9 variable variable NOUN consilience-4590 120 10 are be AUX consilience-4590 120 11 noted note VERB consilience-4590 120 12 with with ADP consilience-4590 120 13 x. x. NOUN consilience-4590 120 14 the the DET consilience-4590 120 15 relationship relationship NOUN consilience-4590 120 16 between between ADP consilience-4590 120 17 these these DET consilience-4590 120 18 explanatory explanatory ADJ consilience-4590 120 19 variables variable NOUN consilience-4590 120 20 and and CCONJ consilience-4590 120 21 the the DET consilience-4590 120 22 dependent dependent ADJ consilience-4590 120 23 variable variable NOUN consilience-4590 120 24 is be AUX consilience-4590 120 25 explained explain VERB consilience-4590 120 26 by by ADP consilience-4590 120 27 the the DET consilience-4590 120 28 discrete discrete ADJ consilience-4590 120 29 probability probability NOUN consilience-4590 120 30 model model NOUN consilience-4590 120 31 displayed display VERB consilience-4590 120 32 below below ADV consilience-4590 120 33 : : PUNCT consilience-4590 120 34 ) ) PUNCT consilience-4590 120 35 ( ( PUNCT consilience-4590 120 36 ) ) PUNCT consilience-4590 120 37 1pr 1pr NOUN consilience-4590 120 38 ( ( PUNCT consilience-4590 120 39 βxfy βxfy ADJ consilience-4590 120 40 = = NOUN consilience-4590 120 41 = = NOUN consilience-4590 120 42 ) ) PUNCT consilience-4590 120 43 ( ( PUNCT consilience-4590 120 44 1)0pr 1)0pr X consilience-4590 120 45 ( ( PUNCT consilience-4590 120 46 βxfy βxfy PROPN consilience-4590 120 47 −== −== PROPN consilience-4590 120 48 where where SCONJ consilience-4590 120 49 f f PROPN consilience-4590 120 50 is be AUX consilience-4590 120 51 a a DET consilience-4590 120 52 function function NOUN consilience-4590 120 53 defined define VERB consilience-4590 120 54 by by ADP consilience-4590 120 55 the the DET consilience-4590 120 56 interval interval NOUN consilience-4590 120 57 [ [ X consilience-4590 120 58 0,1 0,1 NOUN consilience-4590 120 59 ] ] PUNCT consilience-4590 120 60 ; ; PUNCT consilience-4590 120 61 and and CCONJ consilience-4590 120 62 � � PROPN consilience-4590 120 63 denotes denote VERB consilience-4590 120 64 the the DET consilience-4590 120 65 coefficients coefficient NOUN consilience-4590 120 66 that that PRON consilience-4590 120 67 are be AUX consilience-4590 120 68 associated associate VERB consilience-4590 120 69 to to ADP consilience-4590 120 70 the the DET consilience-4590 120 71 vector vector NOUN consilience-4590 120 72 x. x. NOUN consilience-4590 120 73 empr empr NOUN consilience-4590 120 74 - - PUNCT consilience-4590 120 75 retard retard NOUN consilience-4590 120 76 , , PUNCT consilience-4590 120 77 the the DET consilience-4590 120 78 variable variable NOUN consilience-4590 120 79 defining define VERB consilience-4590 120 80 reimbursement reimbursement NOUN consilience-4590 120 81 , , PUNCT consilience-4590 120 82 is be AUX consilience-4590 120 83 equal equal ADJ consilience-4590 120 84 to to ADP consilience-4590 120 85 zero zero NUM consilience-4590 120 86 if if SCONJ consilience-4590 120 87 the the DET consilience-4590 120 88 borrower borrower NOUN consilience-4590 120 89 repays repay VERB consilience-4590 120 90 without without ADP consilience-4590 120 91 delay delay NOUN consilience-4590 120 92 and and CCONJ consilience-4590 120 93 equal equal ADJ consilience-4590 120 94 to to ADP consilience-4590 120 95 one one NUM consilience-4590 120 96 if if SCONJ consilience-4590 120 97 the the DET consilience-4590 120 98 borrower borrower NOUN consilience-4590 120 99 is be AUX consilience-4590 120 100 late late ADJ consilience-4590 120 101 in in ADP consilience-4590 120 102 repaying repay VERB consilience-4590 120 103 the the DET consilience-4590 120 104 loan loan NOUN consilience-4590 120 105 . . PUNCT consilience-4590 121 1 the the DET consilience-4590 121 2 empirical empirical ADJ consilience-4590 121 3 econometric econometric ADJ consilience-4590 121 4 model model NOUN consilience-4590 121 5 has have VERB consilience-4590 121 6 the the DET consilience-4590 121 7 following follow VERB consilience-4590 121 8 form form NOUN consilience-4590 121 9 : : PUNCT consilience-4590 121 10 = = X consilience-4590 121 11 dempr_retar dempr_retar NOUN consilience-4590 121 12 ikiki ikiki ADJ consilience-4590 121 13 xx xx PRON consilience-4590 121 14 εβββ εβββ VERB consilience-4590 121 15 + + PROPN consilience-4590 121 16 + + PROPN consilience-4590 121 17 + + ADJ consilience-4590 121 18 + + NUM consilience-4590 121 19 ... ... PUNCT consilience-4590 121 20 110 110 NUM consilience-4590 121 21 p p X consilience-4590 121 22 ( ( PUNCT consilience-4590 121 23 . . PUNCT consilience-4590 121 24 ) ) PUNCT consilience-4590 121 25 is be AUX consilience-4590 121 26 the the DET consilience-4590 121 27 probability probability NOUN consilience-4590 121 28 that that SCONJ consilience-4590 121 29 the the DET consilience-4590 121 30 event event NOUN consilience-4590 121 31 “ " PUNCT consilience-4590 121 32 late late ADJ consilience-4590 121 33 reimbursement reimbursement NOUN consilience-4590 121 34 ” " PUNCT consilience-4590 121 35 occurs occur VERB consilience-4590 121 36 . . PUNCT consilience-4590 122 1 this this PRON consilience-4590 122 2 is be AUX consilience-4590 122 3 the the DET consilience-4590 122 4 probability probability NOUN consilience-4590 122 5 that that SCONJ consilience-4590 122 6 the the DET consilience-4590 122 7 event event NOUN consilience-4590 122 8 is be AUX consilience-4590 122 9 observed observe VERB consilience-4590 122 10 and and CCONJ consilience-4590 122 11 not not PART consilience-4590 122 12 the the DET consilience-4590 122 13 likelihood likelihood NOUN consilience-4590 122 14 that that SCONJ consilience-4590 122 15 the the DET consilience-4590 122 16 event event NOUN consilience-4590 122 17 itself itself PRON consilience-4590 122 18 takes take VERB consilience-4590 122 19 place place NOUN consilience-4590 122 20 . . PUNCT consilience-4590 123 1 consequently consequently ADV consilience-4590 123 2 , , PUNCT consilience-4590 123 3 it it PRON consilience-4590 123 4 is be AUX consilience-4590 123 5 possible possible ADJ consilience-4590 123 6 to to PART consilience-4590 123 7 create create VERB consilience-4590 123 8 a a DET consilience-4590 123 9 model model NOUN consilience-4590 123 10 for for ADP consilience-4590 123 11 the the DET consilience-4590 123 12 probability probability NOUN consilience-4590 123 13 that that SCONJ consilience-4590 123 14 an an DET consilience-4590 123 15 individual individual NOUN consilience-4590 123 16 reimburses reimburse VERB consilience-4590 123 17 the the DET consilience-4590 123 18 loan loan NOUN consilience-4590 123 19 late late ADV consilience-4590 123 20 ( ( PUNCT consilience-4590 123 21 empr_retard empr_retard PROPN consilience-4590 123 22 = = NOUN consilience-4590 123 23 1 1 NUM consilience-4590 123 24 ) ) PUNCT consilience-4590 123 25 . . PUNCT consilience-4590 124 1 this this DET consilience-4590 124 2 model model NOUN consilience-4590 124 3 using use VERB consilience-4590 124 4 the the DET consilience-4590 124 5 logistic logistic ADJ consilience-4590 124 6 function function NOUN consilience-4590 124 7 is be AUX consilience-4590 124 8 presented present VERB consilience-4590 124 9 as as SCONJ consilience-4590 124 10 follows follow VERB consilience-4590 124 11 . . PUNCT consilience-4590 125 1 ∑ ∑ PUNCT consilience-4590 126 1 = = PUNCT consilience-4590 126 2 + + NOUN consilience-4590 126 3 = = SYM consilience-4590 126 4 = = SYM consilience-4590 126 5 = = PUNCT consilience-4590 126 6 k k PROPN consilience-4590 126 7 k k PROPN consilience-4590 126 8 kk kk PROPN consilience-4590 126 9 x x PROPN consilience-4590 126 10 1 1 NUM consilience-4590 126 11 ] ] PUNCT consilience-4590 126 12 ) ) PUNCT consilience-4590 126 13 0dempr_retarpr 0dempr_retarpr PROPN consilience-4590 126 14 ( ( PUNCT consilience-4590 126 15 ) ) PUNCT consilience-4590 126 16 1dempr_retarpr(log 1dempr_retarpr(log PROPN consilience-4590 126 17 [ [ PUNCT consilience-4590 126 18 βα βα X consilience-4590 126 19 equivalently equivalently ADV consilience-4590 126 20 , , PUNCT consilience-4590 126 21 pi pi NOUN consilience-4590 126 22 = = PUNCT consilience-4590 126 23 ! ! PUNCT consilience-4590 126 24 ! ! PUNCT consilience-4590 126 25 ! ! PUNCT consilience-4590 126 26 ! ! PUNCT consilience-4590 126 27 ! ! PUNCT consilience-4590 126 28 ! ! PUNCT consilience-4590 126 29 ! ! PUNCT consilience-4590 126 30 ! ! PUNCT consilience-4590 127 1 defines define VERB consilience-4590 127 2 the the DET consilience-4590 127 3 probability probability NOUN consilience-4590 127 4 that that SCONJ consilience-4590 127 5 a a DET consilience-4590 127 6 potential potential ADJ consilience-4590 127 7 borrower borrower NOUN consilience-4590 127 8 will will AUX consilience-4590 127 9 be be AUX consilience-4590 127 10 late late ADV consilience-4590 127 11 in in ADP consilience-4590 127 12 reimbursing reimbursing NOUN consilience-4590 127 13 , , PUNCT consilience-4590 127 14 where where SCONJ consilience-4590 127 15 𝑌 𝑌 PROPN consilience-4590 127 16 ! ! PROPN consilience-4590 127 17 represents represent VERB consilience-4590 127 18 the the DET consilience-4590 127 19 score score NOUN consilience-4590 127 20 function function NOUN consilience-4590 127 21 defined define VERB consilience-4590 127 22 by by ADP consilience-4590 127 23 the the DET consilience-4590 127 24 model model NOUN consilience-4590 127 25 . . PUNCT consilience-4590 128 1 given give VERB consilience-4590 128 2 the the DET consilience-4590 128 3 assumptions assumption NOUN consilience-4590 128 4 and and CCONJ consilience-4590 128 5 the the DET consilience-4590 128 6 conditions condition NOUN consilience-4590 128 7 of of ADP consilience-4590 128 8 estimation estimation NOUN consilience-4590 128 9 , , PUNCT consilience-4590 128 10 some some PRON consilience-4590 128 11 of of ADP consilience-4590 128 12 the the DET consilience-4590 128 13 variables variable NOUN consilience-4590 128 14 defined define VERB consilience-4590 128 15 above above ADP consilience-4590 128 16 where where SCONJ consilience-4590 128 17 not not PART consilience-4590 128 18 used use VERB consilience-4590 128 19 in in ADP consilience-4590 128 20 the the DET consilience-4590 128 21 final final ADJ consilience-4590 128 22 model model NOUN consilience-4590 128 23 . . PUNCT consilience-4590 129 1 the the DET consilience-4590 129 2 whole whole ADJ consilience-4590 129 3 equation equation NOUN consilience-4590 129 4 is be AUX consilience-4590 129 5 : : PUNCT consilience-4590 129 6 ) ) PUNCT consilience-4590 129 7 1dempr_retar 1dempr_retar X consilience-4590 129 8 ( ( PUNCT consilience-4590 129 9 = = NOUN consilience-4590 129 10 p p NOUN consilience-4590 129 11 = = PUNCT consilience-4590 129 12 0β 0β NOUN consilience-4590 129 13 + + CCONJ consilience-4590 129 14 1β 1β ADJ consilience-4590 129 15 age age NOUN consilience-4590 130 1 i i PRON consilience-4590 130 2 + + CCONJ consilience-4590 130 3 2β 2β NUM consilience-4590 130 4 age2 age2 NOUN consilience-4590 130 5 i i PRON consilience-4590 130 6 + + CCONJ consilience-4590 130 7 3β 3β NUM consilience-4590 130 8 sexe sexe NOUN consilience-4590 130 9 i i PRON consilience-4590 130 10 + + CCONJ consilience-4590 130 11 4β 4β NOUN consilience-4590 130 12 antcd_crd antcd_crd X consilience-4590 131 1 i i PRON consilience-4590 131 2 + + NUM consilience-4590 131 3 5β 5β NUM consilience-4590 131 4 nb_credit nb_credit NOUN consilience-4590 132 1 + + NOUN consilience-4590 132 2 i i PROPN consilience-4590 132 3 6β 6β NUM consilience-4590 132 4 garantie garantie PROPN consilience-4590 132 5 i i PROPN consilience-4590 133 1 + + CCONJ consilience-4590 133 2 7β 7β NOUN consilience-4590 134 1 exp_agt exp_agt INTJ consilience-4590 135 1 i i PRON consilience-4590 135 2 + + CCONJ consilience-4590 135 3 8β 8β NUM consilience-4590 135 4 montant_credit montant_credit NOUN consilience-4590 135 5 i i PRON consilience-4590 135 6 + + X consilience-4590 135 7 9β 9β NUM consilience-4590 135 8 freq_remb freq_remb NOUN consilience-4590 135 9 i i PRON consilience-4590 135 10 + + CCONJ consilience-4590 135 11 10β 10β NUM consilience-4590 135 12 annee_exp annee_exp VERB consilience-4590 135 13 i i PRON consilience-4590 135 14 + + CCONJ consilience-4590 135 15 iε iε VERB consilience-4590 135 16 where where SCONJ consilience-4590 135 17 empr_retard empr_retard PROPN consilience-4590 135 18 is be AUX consilience-4590 135 19 the the DET consilience-4590 135 20 dependent dependent ADJ consilience-4590 135 21 variable variable NOUN consilience-4590 135 22 . . PUNCT consilience-4590 136 1 the the DET consilience-4590 136 2 explanatory explanatory ADJ consilience-4590 136 3 variables variable NOUN consilience-4590 136 4 are be AUX consilience-4590 136 5 the the DET consilience-4590 136 6 following follow VERB consilience-4590 136 7 : : PUNCT consilience-4590 136 8 • • NUM consilience-4590 136 9 age age NOUN consilience-4590 136 10 ( ( PUNCT consilience-4590 136 11 age age NOUN consilience-4590 136 12 ) ) PUNCT consilience-4590 136 13 • • NOUN consilience-4590 136 14 age2(age2 age2(age2 PROPN consilience-4590 136 15 ) ) PUNCT consilience-4590 136 16 • • NUM consilience-4590 136 17 sexe sexe NOUN consilience-4590 136 18 ( ( PUNCT consilience-4590 136 19 sex sex NOUN consilience-4590 136 20 ) ) PUNCT consilience-4590 136 21 consilience consilience NOUN consilience-4590 136 22 kinda kinda NOUN consilience-4590 136 23 : : PUNCT consilience-4590 136 24 credit credit NOUN consilience-4590 136 25 scoring scoring NOUN consilience-4590 136 26 model model NOUN consilience-4590 136 27 24 24 NUM consilience-4590 136 28         SPACE consilience-4590 136 29 • • NOUN consilience-4590 136 30 reimbursement reimbursement NOUN consilience-4590 136 31 history history NOUN consilience-4590 136 32 ( ( PUNCT consilience-4590 136 33 antcd_crd antcd_crd X consilience-4590 136 34 ) ) PUNCT consilience-4590 136 35 • • NOUN consilience-4590 136 36 the the DET consilience-4590 136 37 number number NOUN consilience-4590 136 38 of of ADP consilience-4590 136 39 credit credit NOUN consilience-4590 136 40 ( ( PUNCT consilience-4590 136 41 nb_credit nb_credit NOUN consilience-4590 136 42 ) ) PUNCT consilience-4590 136 43 • • NOUN consilience-4590 136 44 guarantee guarantee NOUN consilience-4590 136 45 ( ( PUNCT consilience-4590 136 46 garantie garantie NOUN consilience-4590 136 47 ) ) PUNCT consilience-4590 136 48 • • ADP consilience-4590 136 49 the the DET consilience-4590 136 50 experience experience NOUN consilience-4590 136 51 of of ADP consilience-4590 136 52 loan loan NOUN consilience-4590 136 53 officer officer NOUN consilience-4590 136 54 ( ( PUNCT consilience-4590 136 55 exp_agt exp_agt NOUN consilience-4590 136 56 ) ) PUNCT consilience-4590 136 57 • • ADP consilience-4590 136 58 the the DET consilience-4590 136 59 loan loan NOUN consilience-4590 136 60 amount amount NOUN consilience-4590 136 61 ( ( PUNCT consilience-4590 136 62 montant_credit montant_credit NOUN consilience-4590 136 63 ) ) PUNCT consilience-4590 136 64 • • ADP consilience-4590 136 65 the the DET consilience-4590 136 66 frequency frequency NOUN consilience-4590 136 67 of of ADP consilience-4590 136 68 reimbursement reimbursement NOUN consilience-4590 136 69 / / SYM consilience-4590 136 70 repayment repayment NOUN consilience-4590 136 71 ( ( PUNCT consilience-4590 136 72 freq_remb freq_remb NOUN consilience-4590 136 73 ) ) PUNCT consilience-4590 136 74 • • NUM consilience-4590 136 75 years year NOUN consilience-4590 136 76 practicing practice VERB consilience-4590 136 77 an an DET consilience-4590 136 78 economic economic ADJ consilience-4590 136 79 activity activity NOUN consilience-4590 136 80 ( ( PUNCT consilience-4590 136 81 annee_exp annee_exp NOUN consilience-4590 136 82 ) ) PUNCT consilience-4590 136 83 the the DET consilience-4590 136 84 table table NOUN consilience-4590 136 85 1 1 NUM consilience-4590 136 86 below below ADV consilience-4590 136 87 is be AUX consilience-4590 136 88 a a DET consilience-4590 136 89 summary summary NOUN consilience-4590 136 90 of of ADP consilience-4590 136 91 the the DET consilience-4590 136 92 different different ADJ consilience-4590 136 93 variables variable NOUN consilience-4590 136 94 used use VERB consilience-4590 136 95 in in ADP consilience-4590 136 96 the the DET consilience-4590 136 97 model model NOUN consilience-4590 136 98 with with ADP consilience-4590 136 99 their their PRON consilience-4590 136 100 anticipated anticipate VERB consilience-4590 136 101 signs sign NOUN consilience-4590 136 102 . . PUNCT consilience-4590 137 1 table table NOUN consilience-4590 137 2 1 1 NUM consilience-4590 137 3 : : PUNCT consilience-4590 137 4 variables variable NOUN consilience-4590 137 5 , , PUNCT consilience-4590 137 6 anticipated anticipate VERB consilience-4590 137 7 sign sign NOUN consilience-4590 137 8 and and CCONJ consilience-4590 137 9 description description NOUN consilience-4590 137 10 variable variable ADJ consilience-4590 137 11 type type NOUN consilience-4590 137 12 anticipated anticipate VERB consilience-4590 137 13 sign sign NOUN consilience-4590 137 14 description description NOUN consilience-4590 137 15 dependent dependent ADJ consilience-4590 137 16 variable variable ADJ consilience-4590 137 17 late late ADJ consilience-4590 137 18 repayment/ repayment/ NUM consilience-4590 137 19 reimbursement reimbursement NOUN consilience-4590 137 20 binary binary NOUN consilience-4590 137 21 whether whether SCONJ consilience-4590 137 22 the the DET consilience-4590 137 23 borrower borrower NOUN consilience-4590 137 24 repaid repay VERB consilience-4590 137 25 his his PRON consilience-4590 137 26 loan loan NOUN consilience-4590 137 27 late late ADJ consilience-4590 137 28 independent independent ADJ consilience-4590 137 29 variables variable NOUN consilience-4590 137 30 age age NOUN consilience-4590 137 31 quantitative quantitative ADJ consilience-4590 137 32 ( ( PUNCT consilience-4590 137 33 - - PUNCT consilience-4590 137 34 ) ) PUNCT consilience-4590 137 35 age age NOUN consilience-4590 137 36 of of ADP consilience-4590 137 37 the the DET consilience-4590 137 38 borrower borrower NOUN consilience-4590 137 39 sex sex NOUN consilience-4590 137 40 binary binary NOUN consilience-4590 137 41 ( ( PUNCT consilience-4590 137 42 - - PUNCT consilience-4590 137 43 ) ) PUNCT consilience-4590 137 44 sex sex NOUN consilience-4590 137 45 of of ADP consilience-4590 137 46 the the DET consilience-4590 137 47 borrower borrower NOUN consilience-4590 137 48 reimbursement reimbursement NOUN consilience-4590 137 49 history history NOUN consilience-4590 137 50 binary binary NOUN consilience-4590 137 51 ( ( PUNCT consilience-4590 137 52 + + NOUN consilience-4590 137 53 ) ) PUNCT consilience-4590 137 54 reimbursement reimbursement NOUN consilience-4590 137 55 of of ADP consilience-4590 137 56 previous previous ADJ consilience-4590 137 57 loans loan NOUN consilience-4590 137 58 number number NOUN consilience-4590 137 59 of of ADP consilience-4590 137 60 credit credit NOUN consilience-4590 137 61 binary binary NOUN consilience-4590 137 62 ( ( PUNCT consilience-4590 137 63 - - PUNCT consilience-4590 137 64 ) ) PUNCT consilience-4590 137 65 number number NOUN consilience-4590 137 66 of of ADP consilience-4590 137 67 loans loan NOUN consilience-4590 137 68 obtained obtain VERB consilience-4590 137 69 guarantee guarantee NOUN consilience-4590 137 70 binary binary NOUN consilience-4590 137 71 ( ( PUNCT consilience-4590 137 72 - - PUNCT consilience-4590 137 73 ) ) PUNCT consilience-4590 137 74 nature nature NOUN consilience-4590 137 75 of of ADP consilience-4590 137 76 the the DET consilience-4590 137 77 guarantee guarantee NOUN consilience-4590 137 78 experience experience NOUN consilience-4590 137 79 of of ADP consilience-4590 137 80 the the DET consilience-4590 137 81 loan loan NOUN consilience-4590 137 82 officer officer NOUN consilience-4590 137 83 quantitative quantitative ADJ consilience-4590 137 84 ( ( PUNCT consilience-4590 137 85 - - PUNCT consilience-4590 137 86 ) ) PUNCT consilience-4590 137 87 number number NOUN consilience-4590 137 88 of of ADP consilience-4590 137 89 years year NOUN consilience-4590 137 90 the the DET consilience-4590 137 91 loan loan NOUN consilience-4590 137 92 officer officer NOUN consilience-4590 137 93 has have AUX consilience-4590 137 94 been be AUX consilience-4590 137 95 working work VERB consilience-4590 137 96 in in ADP consilience-4590 137 97 the the DET consilience-4590 137 98 field field NOUN consilience-4590 137 99 loan loan NOUN consilience-4590 137 100 amount amount NOUN consilience-4590 137 101 quantitative quantitative ADJ consilience-4590 137 102 ( ( PUNCT consilience-4590 137 103 - - PUNCT consilience-4590 137 104 ) ) PUNCT consilience-4590 137 105 loan loan NOUN consilience-4590 137 106 amount amount NOUN consilience-4590 137 107 frequency frequency NOUN consilience-4590 137 108 of of ADP consilience-4590 137 109 reimbursement reimbursement NOUN consilience-4590 137 110 binary binary NOUN consilience-4590 137 111 ( ( PUNCT consilience-4590 137 112 - - PUNCT consilience-4590 137 113 ) ) PUNCT consilience-4590 137 114 frequency frequency NOUN consilience-4590 137 115 of of ADP consilience-4590 137 116 loan loan NOUN consilience-4590 137 117 reimbursement reimbursement NOUN consilience-4590 137 118 years year NOUN consilience-4590 137 119 practicing practice VERB consilience-4590 137 120 an an DET consilience-4590 137 121 economic economic ADJ consilience-4590 137 122 activity activity NOUN consilience-4590 137 123 quantitative quantitative ADJ consilience-4590 137 124 ( ( PUNCT consilience-4590 137 125 - - PUNCT consilience-4590 137 126 ) ) PUNCT consilience-4590 137 127 the the DET consilience-4590 137 128 number number NOUN consilience-4590 137 129 of of ADP consilience-4590 137 130 years year NOUN consilience-4590 137 131 spent spend VERB consilience-4590 137 132 practicing practice VERB consilience-4590 137 133 an an DET consilience-4590 137 134 economic economic ADJ consilience-4590 137 135 activity activity NOUN consilience-4590 137 136 source source NOUN consilience-4590 137 137 : : PUNCT consilience-4590 137 138 from from ADP consilience-4590 137 139 the the DET consilience-4590 137 140 study study NOUN consilience-4590 137 141 , , PUNCT consilience-4590 137 142 2011 2011 NUM consilience-4590 137 143 the the DET consilience-4590 137 144 significance significance NOUN consilience-4590 137 145 of of ADP consilience-4590 137 146 the the DET consilience-4590 137 147 individual individual ADJ consilience-4590 137 148 coefficients coefficient NOUN consilience-4590 137 149 as as ADV consilience-4590 137 150 well well ADV consilience-4590 137 151 as as ADP consilience-4590 137 152 the the DET consilience-4590 137 153 percentage percentage NOUN consilience-4590 137 154 of of ADP consilience-4590 137 155 variation variation NOUN consilience-4590 137 156 in in ADP consilience-4590 137 157 the the DET consilience-4590 137 158 dependent dependent ADJ consilience-4590 137 159 variable variable NOUN consilience-4590 137 160 explained explain VERB consilience-4590 137 161 by by ADP consilience-4590 137 162 the the DET consilience-4590 137 163 independent independent ADJ consilience-4590 137 164 variables variable NOUN consilience-4590 137 165 will will AUX consilience-4590 137 166 be be AUX consilience-4590 137 167 the the DET consilience-4590 137 168 basis basis NOUN consilience-4590 137 169 upon upon SCONJ consilience-4590 137 170 which which PRON consilience-4590 137 171 the the DET consilience-4590 137 172 strength strength NOUN consilience-4590 137 173 of of ADP consilience-4590 137 174 the the DET consilience-4590 137 175 model model NOUN consilience-4590 137 176 will will AUX consilience-4590 137 177 be be AUX consilience-4590 137 178 determined determine VERB consilience-4590 137 179 . . PUNCT consilience-4590 138 1 consilience consilience NOUN consilience-4590 138 2 kinda kinda NOUN consilience-4590 138 3 : : PUNCT consilience-4590 138 4 credit credit NOUN consilience-4590 138 5 scoring scoring NOUN consilience-4590 138 6 model model NOUN consilience-4590 138 7 25 25 NUM consilience-4590 138 8         SPACE consilience-4590 138 9 7 7 NUM consilience-4590 138 10 . . PUNCT consilience-4590 138 11 results result NOUN consilience-4590 138 12 of of ADP consilience-4590 138 13 the the DET consilience-4590 138 14 regression regression NOUN consilience-4590 138 15 the the DET consilience-4590 138 16 estimation estimation NOUN consilience-4590 138 17 of of ADP consilience-4590 138 18 the the DET consilience-4590 138 19 model model NOUN consilience-4590 138 20 has have AUX consilience-4590 138 21 given give VERB consilience-4590 138 22 the the DET consilience-4590 138 23 following follow VERB consilience-4590 138 24 results result NOUN consilience-4590 138 25 . . PUNCT consilience-4590 139 1 table table NOUN consilience-4590 139 2 2 2 NUM consilience-4590 139 3 : : PUNCT consilience-4590 139 4 estimation estimation NOUN consilience-4590 139 5 results result VERB consilience-4590 139 6 logistic logistic ADJ consilience-4590 139 7 regression regression NOUN consilience-4590 139 8 number number NOUN consilience-4590 139 9 of of ADP consilience-4590 139 10 observations observation NOUN consilience-4590 139 11 = = SYM consilience-4590 139 12 30 30 NUM consilience-4590 139 13 wald wald X consilience-4590 139 14 chi2(10 chi2(10 PROPN consilience-4590 139 15 ) ) PUNCT consilience-4590 139 16 = = SYM consilience-4590 140 1 16.57 16.57 NUM consilience-4590 140 2 prob prob NOUN consilience-4590 140 3 > > X consilience-4590 140 4 chi(2 chi(2 NOUN consilience-4590 140 5 ) ) PUNCT consilience-4590 140 6 = = SYM consilience-4590 141 1 0.0845 0.0845 NUM consilience-4590 141 2 pseudo pseudo NOUN consilience-4590 141 3 r r NOUN consilience-4590 141 4 2=0.6057 2=0.6057 NUM consilience-4590 141 5 tardiness tardiness NOUN consilience-4590 141 6 ( ( PUNCT consilience-4590 141 7 empr_retard empr_retard NUM consilience-4590 141 8 ) ) PUNCT consilience-4590 141 9 coefficients coefficient VERB consilience-4590 141 10 robust robust ADJ consilience-4590 141 11 standard standard ADJ consilience-4590 141 12 error error NOUN consilience-4590 141 13 z z NOUN consilience-4590 141 14 p>|z| p>|z| VERB consilience-4590 141 15 age age VERB consilience-4590 141 16 2.443829 2.443829 NUM consilience-4590 141 17 0.9512724 0.9512724 NUM consilience-4590 141 18 2.57 2.57 NUM consilience-4590 141 19 0.010 0.010 NUM consilience-4590 141 20 * * PUNCT consilience-4590 141 21 * * PUNCT consilience-4590 141 22 * * PUNCT consilience-4590 141 23 age2 age2 PROPN consilience-4590 141 24 -0.0255646 -0.0255646 NOUN consilience-4590 141 25 0.009814 0.009814 NUM consilience-4590 141 26 -2.60 -2.60 NUM consilience-4590 141 27 0.009 0.009 NUM consilience-4590 141 28 * * PUNCT consilience-4590 141 29 * * PUNCT consilience-4590 141 30 * * PROPN consilience-4590 141 31 sexe sexe PROPN consilience-4590 141 32 -2.443102 -2.443102 PUNCT consilience-4590 142 1 1.209673 1.209673 NUM consilience-4590 142 2 -2.02 -2.02 NUM consilience-4590 142 3 0.043 0.043 NUM consilience-4590 142 4 * * PUNCT consilience-4590 142 5 * * X consilience-4590 142 6 antcd_crd antcd_crd NUM consilience-4590 142 7 9.251004 9.251004 NUM consilience-4590 142 8 3.879988 3.879988 NUM consilience-4590 142 9 2.38 2.38 NUM consilience-4590 142 10 0.017 0.017 NUM consilience-4590 142 11 * * PUNCT consilience-4590 142 12 * * PUNCT consilience-4590 142 13 nb_credit nb_credit NOUN consilience-4590 142 14 -0.3984008 -0.3984008 NOUN consilience-4590 142 15 1.853168 1.853168 NUM consilience-4590 142 16 -0.21 -0.21 NUM consilience-4590 142 17 0.830 0.830 NUM consilience-4590 142 18 garantie garantie NOUN consilience-4590 142 19 -7.183442 -7.183442 NOUN consilience-4590 143 1 3.178908 3.178908 NUM consilience-4590 143 2 -2.26 -2.26 NUM consilience-4590 143 3 0.024 0.024 NUM consilience-4590 143 4 * * NOUN consilience-4590 143 5 * * PUNCT consilience-4590 143 6 exp_agt exp_agt NOUN consilience-4590 143 7 -0.3516837 -0.3516837 X consilience-4590 143 8 0.3161463 0.3161463 NUM consilience-4590 143 9 -1.11 -1.11 NUM consilience-4590 143 10 0.266 0.266 NUM consilience-4590 143 11 montant_credit montant_credit PROPN consilience-4590 143 12 3.79e-06 3.79e-06 NUM consilience-4590 143 13 2.47e-06 2.47e-06 NUM consilience-4590 143 14 1.53 1.53 NUM consilience-4590 143 15 0.126 0.126 NUM consilience-4590 143 16 freq_remb freq_remb NOUN consilience-4590 143 17 9.149246 9.149246 NUM consilience-4590 143 18 3.380873 3.380873 NUM consilience-4590 143 19 2.71 2.71 NUM consilience-4590 143 20 0.007 0.007 NUM consilience-4590 143 21 * * PUNCT consilience-4590 143 22 * * PUNCT consilience-4590 143 23 * * PUNCT consilience-4590 143 24 annee_exp annee_exp NOUN consilience-4590 143 25 -0.1810599 -0.1810599 PUNCT consilience-4590 143 26 0.1125361 0.1125361 NUM consilience-4590 143 27 -1.61 -1.61 NOUN consilience-4590 143 28 0.108 0.108 NUM consilience-4590 143 29 � � NOUN consilience-4590 143 30 0 0 NUM consilience-4590 143 31 -53.52892 -53.52892 SYM consilience-4590 143 32 21.45759 21.45759 NUM consilience-4590 143 33 -2.49 -2.49 NUM consilience-4590 143 34 0.013 0.013 NUM consilience-4590 143 35 variables variable NOUN consilience-4590 143 36 significance significance NOUN consilience-4590 143 37 : : PUNCT consilience-4590 144 1 * * PUNCT consilience-4590 144 2 * * PUNCT consilience-4590 144 3 * * PUNCT consilience-4590 144 4 = = NOUN consilience-4590 144 5 1 1 NUM consilience-4590 144 6 % % NOUN consilience-4590 144 7 . . PUNCT consilience-4590 145 1 , , PUNCT consilience-4590 146 1 * * PUNCT consilience-4590 146 2 * * PUNCT consilience-4590 146 3 = = NOUN consilience-4590 146 4 5 5 NUM consilience-4590 146 5 % % NOUN consilience-4590 146 6 , , PUNCT consilience-4590 146 7 * * PUNCT consilience-4590 146 8 = = SYM consilience-4590 146 9 10 10 NUM consilience-4590 146 10 % % NOUN consilience-4590 146 11 source source NOUN consilience-4590 146 12 : : PUNCT consilience-4590 146 13 from from ADP consilience-4590 146 14 the the DET consilience-4590 146 15 study study NOUN consilience-4590 146 16 , , PUNCT consilience-4590 146 17 stata stata PROPN consilience-4590 146 18 , , PUNCT consilience-4590 146 19 2011 2011 NUM consilience-4590 146 20 using use VERB consilience-4590 146 21 y y PRON consilience-4590 146 22 to to PART consilience-4590 146 23 refer refer VERB consilience-4590 146 24 to to ADP consilience-4590 146 25 the the DET consilience-4590 146 26 dependent dependent ADJ consilience-4590 146 27 variable variable NOUN consilience-4590 146 28 and and CCONJ consilience-4590 146 29 the the DET consilience-4590 146 30 score score NOUN consilience-4590 146 31 function function NOUN consilience-4590 146 32 ( ( PUNCT consilience-4590 146 33 tardiness tardiness NOUN consilience-4590 146 34 ( ( PUNCT consilience-4590 146 35 empr_retard empr_retard NUM consilience-4590 146 36 ) ) PUNCT consilience-4590 146 37 ) ) PUNCT consilience-4590 146 38 , , PUNCT consilience-4590 146 39 the the DET consilience-4590 146 40 equation equation NOUN consilience-4590 146 41 is be AUX consilience-4590 146 42 as as SCONJ consilience-4590 146 43 presented present VERB consilience-4590 146 44 below below ADV consilience-4590 146 45 : : PUNCT consilience-4590 146 46 y y PROPN consilience-4590 146 47 = = PROPN consilience-4590 146 48 -53.52 -53.52 PROPN consilience-4590 146 49 + + PROPN consilience-4590 146 50 2.44age-0.025age2 2.44age-0.025age2 NOUN consilience-4590 146 51 - - PUNCT consilience-4590 146 52 2.44sexe+9.25antcd_crd0.39nb_credit-7.18garantie0.35exp_agt+3.79𝑒!!montant_credit+9.14freq_remb0.18annee_exp 2.44sexe+9.25antcd_crd0.39nb_credit-7.18garantie0.35exp_agt+3.79𝑒!!montant_credit+9.14freq_remb0.18annee_exp NUM consilience-4590 146 53 the the DET consilience-4590 146 54 probability probability NOUN consilience-4590 146 55 that that SCONJ consilience-4590 146 56 a a DET consilience-4590 146 57 borrower borrower NOUN consilience-4590 146 58 is be AUX consilience-4590 146 59 late late ADJ consilience-4590 146 60 with with ADP consilience-4590 146 61 reimbursing reimbursing NOUN consilience-4590 146 62 is be AUX consilience-4590 146 63 given give VERB consilience-4590 146 64 by by ADP consilience-4590 146 65 : : PUNCT consilience-4590 146 66 1 1 NUM consilience-4590 146 67 y y PROPN consilience-4590 146 68 y y PROPN consilience-4590 146 69 ep ep PROPN consilience-4590 147 1 e e PROPN consilience-4590 147 2 = = PUNCT consilience-4590 148 1 + + CCONJ consilience-4590 148 2 this this DET consilience-4590 148 3 probability probability NOUN consilience-4590 148 4 corresponds correspond VERB consilience-4590 148 5 to to ADP consilience-4590 148 6 the the DET consilience-4590 148 7 credit credit NOUN consilience-4590 148 8 scoring scoring NOUN consilience-4590 148 9 model model NOUN consilience-4590 148 10 of of ADP consilience-4590 148 11 the the DET consilience-4590 148 12 meczop meczop PROPN consilience-4590 148 13 . . PUNCT consilience-4590 149 1 as as ADP consilience-4590 149 2 an an DET consilience-4590 149 3 example example NOUN consilience-4590 149 4 , , PUNCT consilience-4590 149 5 assume assume VERB consilience-4590 149 6 there there PRON consilience-4590 149 7 is be VERB consilience-4590 149 8 a a DET consilience-4590 149 9 borrower borrower NOUN consilience-4590 149 10 with with ADP consilience-4590 149 11 the the DET consilience-4590 149 12 following follow VERB consilience-4590 149 13 characteristics characteristic NOUN consilience-4590 149 14 : : PUNCT consilience-4590 149 15 age age NOUN consilience-4590 149 16 = = SYM consilience-4590 149 17 45 45 NUM consilience-4590 149 18 , , PUNCT consilience-4590 149 19 gender gender NOUN consilience-4590 149 20 ( ( PUNCT consilience-4590 149 21 sex sex NOUN consilience-4590 149 22 ) ) PUNCT consilience-4590 149 23 = = SYM consilience-4590 149 24 masculine masculine ADJ consilience-4590 149 25 , , PUNCT consilience-4590 149 26 reimbursement reimbursement NOUN consilience-4590 149 27 history history NOUN consilience-4590 149 28 = = PUNCT consilience-4590 149 29 not not PART consilience-4590 149 30 late late ADJ consilience-4590 149 31 , , PUNCT consilience-4590 149 32 number number NOUN consilience-4590 149 33 of of ADP consilience-4590 149 34 credit credit NOUN consilience-4590 149 35 obtained obtain VERB consilience-4590 149 36 = = SYM consilience-4590 149 37 less less ADJ consilience-4590 149 38 than than ADP consilience-4590 149 39 three three NUM consilience-4590 149 40 , , PUNCT consilience-4590 149 41 guarantee guarantee NOUN consilience-4590 149 42 = = PUNCT consilience-4590 149 43 yes yes INTJ consilience-4590 149 44 , , PUNCT consilience-4590 149 45 experience experience NOUN consilience-4590 149 46 of of ADP consilience-4590 149 47 the the DET consilience-4590 149 48 loan loan NOUN consilience-4590 149 49 officer officer NOUN consilience-4590 149 50 = = NOUN consilience-4590 149 51 10 10 NUM consilience-4590 149 52 years year NOUN consilience-4590 149 53 , , PUNCT consilience-4590 149 54 amount amount NOUN consilience-4590 149 55 of of ADP consilience-4590 149 56 loan loan NOUN consilience-4590 149 57 = = SYM consilience-4590 149 58 275,000 275,000 NUM consilience-4590 149 59 fcfa fcfa NOUN consilience-4590 149 60 , , PUNCT consilience-4590 149 61 frequency frequency NOUN consilience-4590 149 62 of of ADP consilience-4590 149 63 reimbursement reimbursement NOUN consilience-4590 149 64 = = PUNCT consilience-4590 149 65 many many ADJ consilience-4590 149 66 , , PUNCT consilience-4590 149 67 years year NOUN consilience-4590 149 68 practicing practice VERB consilience-4590 149 69 an an DET consilience-4590 149 70 economic economic ADJ consilience-4590 149 71 activity activity NOUN consilience-4590 149 72 = = NOUN consilience-4590 149 73 30 30 NUM consilience-4590 149 74 years year NOUN consilience-4590 149 75 . . PUNCT consilience-4590 150 1 the the DET consilience-4590 150 2 score score NOUN consilience-4590 150 3 function function NOUN consilience-4590 150 4 of of ADP consilience-4590 150 5 this this DET consilience-4590 150 6 borrower borrower NOUN consilience-4590 150 7 is be AUX consilience-4590 150 8 then then ADV consilience-4590 150 9 calculated calculate VERB consilience-4590 150 10 to to ADP consilience-4590 150 11 equal equal ADJ consilience-4590 150 12 -0.24 -0.24 NOUN consilience-4590 150 13 , , PUNCT consilience-4590 150 14 and and CCONJ consilience-4590 150 15 the the DET consilience-4590 150 16 probability probability NOUN consilience-4590 150 17 that that SCONJ consilience-4590 150 18 the the DET consilience-4590 150 19 borrower borrower NOUN consilience-4590 150 20 is be AUX consilience-4590 150 21 late late ADJ consilience-4590 150 22 in in ADP consilience-4590 150 23 repaying repaying NOUN consilience-4590 150 24 is be AUX consilience-4590 150 25 44.02 44.02 NUM consilience-4590 150 26 % % NOUN consilience-4590 150 27 . . PUNCT consilience-4590 151 1 consilience consilience NOUN consilience-4590 151 2 kinda kinda NOUN consilience-4590 151 3 : : PUNCT consilience-4590 151 4 credit credit NOUN consilience-4590 151 5 scoring scoring NOUN consilience-4590 151 6 model model NOUN consilience-4590 151 7 26 26 NUM consilience-4590 151 8         SPACE consilience-4590 151 9 8 8 NUM consilience-4590 151 10 . . PUNCT consilience-4590 152 1 validity validity NOUN consilience-4590 152 2 of of ADP consilience-4590 152 3 the the DET consilience-4590 152 4 model model NOUN consilience-4590 152 5 and and CCONJ consilience-4590 152 6 the the DET consilience-4590 152 7 significance significance NOUN consilience-4590 152 8 of of ADP consilience-4590 152 9 the the DET consilience-4590 152 10 individual individual ADJ consilience-4590 152 11 coefficients coefficient NOUN consilience-4590 152 12 the the DET consilience-4590 152 13 probability probability NOUN consilience-4590 152 14 ( ( PUNCT consilience-4590 152 15 > > X consilience-4590 152 16 chi chi NOUN consilience-4590 152 17 ( ( PUNCT consilience-4590 152 18 2 2 NUM consilience-4590 152 19 ) ) PUNCT consilience-4590 152 20 ) ) PUNCT consilience-4590 152 21 tests test VERB consilience-4590 152 22 null null ADJ consilience-4590 152 23 hypothesis hypothesis NOUN consilience-4590 152 24 ( ( PUNCT consilience-4590 152 25 h0 h0 PROPN consilience-4590 152 26 ) ) PUNCT consilience-4590 152 27 that that SCONJ consilience-4590 152 28 all all DET consilience-4590 152 29 the the DET consilience-4590 152 30 estimated estimate VERB consilience-4590 152 31 parameters parameter NOUN consilience-4590 152 32 are be AUX consilience-4590 152 33 null null ADJ consilience-4590 152 34 , , PUNCT consilience-4590 152 35 against against ADP consilience-4590 152 36 the the DET consilience-4590 152 37 alternative alternative ADJ consilience-4590 152 38 hypothesis hypothesis NOUN consilience-4590 152 39 ( ( PUNCT consilience-4590 152 40 h1 h1 PROPN consilience-4590 152 41 ) ) PUNCT consilience-4590 152 42 that that SCONJ consilience-4590 152 43 at at ADV consilience-4590 152 44 least least ADJ consilience-4590 152 45 one one NUM consilience-4590 152 46 of of ADP consilience-4590 152 47 the the DET consilience-4590 152 48 parameters parameter NOUN consilience-4590 152 49 is be AUX consilience-4590 152 50 not not PART consilience-4590 152 51 null null ADJ consilience-4590 152 52 . . PUNCT consilience-4590 153 1 this this DET consilience-4590 153 2 test test NOUN consilience-4590 153 3 allows allow VERB consilience-4590 153 4 us we PRON consilience-4590 153 5 to to PART consilience-4590 153 6 measure measure VERB consilience-4590 153 7 the the DET consilience-4590 153 8 contribution contribution NOUN consilience-4590 153 9 of of ADP consilience-4590 153 10 the the DET consilience-4590 153 11 variables variable NOUN consilience-4590 153 12 in in ADP consilience-4590 153 13 the the DET consilience-4590 153 14 model model NOUN consilience-4590 153 15 to to ADP consilience-4590 153 16 explaining explain VERB consilience-4590 153 17 the the DET consilience-4590 153 18 variation variation NOUN consilience-4590 153 19 in in ADP consilience-4590 153 20 the the DET consilience-4590 153 21 dependent dependent ADJ consilience-4590 153 22 variable variable NOUN consilience-4590 153 23 . . PUNCT consilience-4590 154 1 the the DET consilience-4590 154 2 value value NOUN consilience-4590 154 3 of of ADP consilience-4590 154 4 the the DET consilience-4590 154 5 probability probability NOUN consilience-4590 154 6 ( ( PUNCT consilience-4590 154 7 > > X consilience-4590 154 8 chi chi NOUN consilience-4590 154 9 ( ( PUNCT consilience-4590 154 10 2 2 NUM consilience-4590 154 11 ) ) PUNCT consilience-4590 154 12 ) ) PUNCT consilience-4590 155 1 = = SYM consilience-4590 155 2 ( ( PUNCT consilience-4590 155 3 0.0845 0.0845 NUM consilience-4590 155 4 ) ) PUNCT consilience-4590 155 5 indicates indicate VERB consilience-4590 155 6 that that SCONJ consilience-4590 155 7 all all DET consilience-4590 155 8 the the DET consilience-4590 155 9 retained retain VERB consilience-4590 155 10 variables variable NOUN consilience-4590 155 11 in in ADP consilience-4590 155 12 the the DET consilience-4590 155 13 model model NOUN consilience-4590 155 14 jointly jointly ADV consilience-4590 155 15 contribute contribute VERB consilience-4590 155 16 to to ADP consilience-4590 155 17 explaining explain VERB consilience-4590 155 18 the the DET consilience-4590 155 19 probability probability NOUN consilience-4590 155 20 of of ADP consilience-4590 155 21 repayment repayment NOUN consilience-4590 155 22 . . PUNCT consilience-4590 156 1 robust robust ADJ consilience-4590 156 2 standard standard ADJ consilience-4590 156 3 errors error NOUN consilience-4590 156 4 were be AUX consilience-4590 156 5 estimated estimate VERB consilience-4590 156 6 correcting correct VERB consilience-4590 156 7 for for ADP consilience-4590 156 8 heteroscedasticity heteroscedasticity NOUN consilience-4590 156 9 . . PUNCT consilience-4590 157 1 from from ADP consilience-4590 157 2 an an DET consilience-4590 157 3 econometric econometric ADJ consilience-4590 157 4 point point NOUN consilience-4590 157 5 of of ADP consilience-4590 157 6 view view NOUN consilience-4590 157 7 , , PUNCT consilience-4590 157 8 an an DET consilience-4590 157 9 analysis analysis NOUN consilience-4590 157 10 of of ADP consilience-4590 157 11 the the DET consilience-4590 157 12 table table NOUN consilience-4590 157 13 indicated indicate VERB consilience-4590 157 14 that that SCONJ consilience-4590 157 15 six six NUM consilience-4590 157 16 ( ( PUNCT consilience-4590 157 17 06 06 NUM consilience-4590 157 18 ) ) PUNCT consilience-4590 157 19 out out ADP consilience-4590 157 20 of of ADP consilience-4590 157 21 the the DET consilience-4590 157 22 ( ( PUNCT consilience-4590 157 23 10 10 NUM consilience-4590 157 24 ) ) PUNCT consilience-4590 157 25 explanatory explanatory ADJ consilience-4590 157 26 variables variable NOUN consilience-4590 157 27 are be AUX consilience-4590 157 28 significant significant ADJ consilience-4590 157 29 . . PUNCT consilience-4590 158 1 age age NOUN consilience-4590 158 2 , , PUNCT consilience-4590 158 3 age2 age2 NOUN consilience-4590 158 4 and and CCONJ consilience-4590 158 5 frequency frequency NOUN consilience-4590 158 6 of of ADP consilience-4590 158 7 reimbursement reimbursement NOUN consilience-4590 158 8 have have VERB consilience-4590 158 9 a a DET consilience-4590 158 10 significance significance NOUN consilience-4590 158 11 of of ADP consilience-4590 158 12 1 1 NUM consilience-4590 158 13 % % NOUN consilience-4590 158 14 . . PUNCT consilience-4590 159 1 the the DET consilience-4590 159 2 analysis analysis NOUN consilience-4590 159 3 of of ADP consilience-4590 159 4 the the DET consilience-4590 159 5 estimated estimate VERB consilience-4590 159 6 coefficients coefficient NOUN consilience-4590 159 7 of of ADP consilience-4590 159 8 age age NOUN consilience-4590 159 9 and and CCONJ consilience-4590 159 10 age2 age2 NOUN consilience-4590 159 11 indicates indicate VERB consilience-4590 159 12 that that SCONJ consilience-4590 159 13 age age NOUN consilience-4590 159 14 has have VERB consilience-4590 159 15 a a DET consilience-4590 159 16 concave concave ADJ consilience-4590 159 17 shape shape NOUN consilience-4590 159 18 and and CCONJ consilience-4590 159 19 impact impact NOUN consilience-4590 159 20 on on ADP consilience-4590 159 21 late late ADJ consilience-4590 159 22 reimbursement reimbursement NOUN consilience-4590 159 23 , , PUNCT consilience-4590 159 24 age age NOUN consilience-4590 159 25 has have VERB consilience-4590 159 26 a a DET consilience-4590 159 27 positive positive ADJ consilience-4590 159 28 influence influence NOUN consilience-4590 159 29 on on ADP consilience-4590 159 30 late late ADJ consilience-4590 159 31 reimbursement reimbursement NOUN consilience-4590 159 32 , , PUNCT consilience-4590 159 33 whilst whilst SCONJ consilience-4590 159 34 age2 age2 NOUN consilience-4590 159 35 has have VERB consilience-4590 159 36 a a DET consilience-4590 159 37 negative negative ADJ consilience-4590 159 38 impact impact NOUN consilience-4590 159 39 on on ADP consilience-4590 159 40 it it PRON consilience-4590 159 41 , , PUNCT consilience-4590 159 42 setting set VERB consilience-4590 159 43 then then ADV consilience-4590 159 44 the the DET consilience-4590 159 45 turning turning NOUN consilience-4590 159 46 point point NOUN consilience-4590 159 47 ( ( PUNCT consilience-4590 159 48 vertex vertex NOUN consilience-4590 159 49 of of ADP consilience-4590 159 50 the the DET consilience-4590 159 51 parabola parabola NOUN consilience-4590 159 52 ) ) PUNCT consilience-4590 159 53 at at ADP consilience-4590 159 54 47.8 47.8 NUM consilience-4590 159 55 years13 years13 NOUN consilience-4590 159 56 . . PUNCT consilience-4590 160 1 this this PRON consilience-4590 160 2 means mean VERB consilience-4590 160 3 that that SCONJ consilience-4590 160 4 younger young ADJ consilience-4590 160 5 borrowers borrower NOUN consilience-4590 160 6 have have VERB consilience-4590 160 7 a a DET consilience-4590 160 8 tendency tendency NOUN consilience-4590 160 9 to to PART consilience-4590 160 10 be be AUX consilience-4590 160 11 late late ADJ consilience-4590 160 12 with with ADP consilience-4590 160 13 reimbursing reimburse VERB consilience-4590 160 14 while while SCONJ consilience-4590 160 15 older old ADJ consilience-4590 160 16 do do VERB consilience-4590 160 17 n’t not PART consilience-4590 160 18 . . PUNCT consilience-4590 161 1 the the DET consilience-4590 161 2 significance significance NOUN consilience-4590 161 3 of of ADP consilience-4590 161 4 frequency frequency NOUN consilience-4590 161 5 of of ADP consilience-4590 161 6 reimbursement reimbursement NOUN consilience-4590 161 7 ( ( PUNCT consilience-4590 161 8 freq_remb freq_remb NOUN consilience-4590 161 9 ) ) PUNCT consilience-4590 161 10 shows show VERB consilience-4590 161 11 that that SCONJ consilience-4590 161 12 multiple multiple ADJ consilience-4590 161 13 repayments repayment NOUN consilience-4590 161 14 option option NOUN consilience-4590 161 15 has have VERB consilience-4590 161 16 a a DET consilience-4590 161 17 positive positive ADJ consilience-4590 161 18 effect effect NOUN consilience-4590 161 19 on on ADP consilience-4590 161 20 late late ADJ consilience-4590 161 21 reimbursement reimbursement NOUN consilience-4590 161 22 . . PUNCT consilience-4590 162 1 this this DET consilience-4590 162 2 result result NOUN consilience-4590 162 3 does do AUX consilience-4590 162 4 not not PART consilience-4590 162 5 match match VERB consilience-4590 162 6 the the DET consilience-4590 162 7 predictions prediction NOUN consilience-4590 162 8 that that PRON consilience-4590 162 9 were be AUX consilience-4590 162 10 made make VERB consilience-4590 162 11 on on ADP consilience-4590 162 12 this this DET consilience-4590 162 13 variable variable NOUN consilience-4590 162 14 . . PUNCT consilience-4590 163 1 this this PRON consilience-4590 163 2 could could AUX consilience-4590 163 3 be be AUX consilience-4590 163 4 because because SCONJ consilience-4590 163 5 the the DET consilience-4590 163 6 loans loan NOUN consilience-4590 163 7 disbursed disburse VERB consilience-4590 163 8 are be AUX consilience-4590 163 9 mostly mostly ADV consilience-4590 163 10 for for ADP consilience-4590 163 11 a a DET consilience-4590 163 12 short short ADJ consilience-4590 163 13 duration duration NOUN consilience-4590 163 14 and and CCONJ consilience-4590 163 15 thus thus ADV consilience-4590 163 16 applying apply VERB consilience-4590 163 17 a a DET consilience-4590 163 18 high high ADJ consilience-4590 163 19 frequency frequency NOUN consilience-4590 163 20 of of ADP consilience-4590 163 21 due due ADJ consilience-4590 163 22 repayments repayment NOUN consilience-4590 163 23 can can AUX consilience-4590 163 24 affect affect VERB consilience-4590 163 25 the the DET consilience-4590 163 26 capacity capacity NOUN consilience-4590 163 27 of of ADP consilience-4590 163 28 the the DET consilience-4590 163 29 borrower borrower NOUN consilience-4590 163 30 to to PART consilience-4590 163 31 repay repay VERB consilience-4590 163 32 his his PRON consilience-4590 163 33 / / SYM consilience-4590 163 34 her her PRON consilience-4590 163 35 loan loan NOUN consilience-4590 163 36 on on ADP consilience-4590 163 37 time time NOUN consilience-4590 163 38 . . PUNCT consilience-4590 164 1 gender gender NOUN consilience-4590 164 2 ( ( PUNCT consilience-4590 164 3 sex sex NOUN consilience-4590 164 4 ) ) PUNCT consilience-4590 164 5 , , PUNCT consilience-4590 164 6 reimbursement reimbursement NOUN consilience-4590 164 7 history history NOUN consilience-4590 164 8 ( ( PUNCT consilience-4590 164 9 antcd_crd antcd_crd X consilience-4590 164 10 ) ) PUNCT consilience-4590 164 11 and and CCONJ consilience-4590 164 12 guarantee guarantee NOUN consilience-4590 164 13 ( ( PUNCT consilience-4590 164 14 garantie garantie NOUN consilience-4590 164 15 ) ) PUNCT consilience-4590 164 16 are be AUX consilience-4590 164 17 significant significant ADJ consilience-4590 164 18 at at ADP consilience-4590 164 19 5 5 NUM consilience-4590 164 20 % % NOUN consilience-4590 164 21 level level NOUN consilience-4590 164 22 . . PUNCT consilience-4590 165 1 the the DET consilience-4590 165 2 relationship relationship NOUN consilience-4590 165 3 between between ADP consilience-4590 165 4 sex sex NOUN consilience-4590 165 5 and and CCONJ consilience-4590 165 6 late late ADJ consilience-4590 165 7 repayment repayment NOUN consilience-4590 165 8 identified identify VERB consilience-4590 165 9 in in ADP consilience-4590 165 10 the the DET consilience-4590 165 11 regression regression NOUN consilience-4590 165 12 results result NOUN consilience-4590 165 13 is be AUX consilience-4590 165 14 similar similar ADJ consilience-4590 165 15 to to ADP consilience-4590 165 16 conclusions conclusion NOUN consilience-4590 165 17 drawn draw VERB consilience-4590 165 18 in in ADP consilience-4590 165 19 numerous numerous ADJ consilience-4590 165 20 studies study NOUN consilience-4590 165 21 ( ( PUNCT consilience-4590 165 22 bert bert PROPN consilience-4590 165 23 et et PROPN consilience-4590 165 24 al al PROPN consilience-4590 165 25 . . PROPN consilience-4590 165 26 , , PUNCT consilience-4590 165 27 2011 2011 NUM consilience-4590 165 28 ; ; PUNCT consilience-4590 165 29 ausaid ausaid NOUN consilience-4590 165 30 , , PUNCT consilience-4590 165 31 2008 2008 NUM consilience-4590 165 32 ; ; PUNCT consilience-4590 165 33 armendariz armendariz NOUN consilience-4590 165 34 et et PROPN consilience-4590 165 35 al al PROPN consilience-4590 165 36 . . PROPN consilience-4590 165 37 , , PUNCT consilience-4590 165 38 2008 2008 NUM consilience-4590 165 39 ) ) PUNCT consilience-4590 165 40 . . PUNCT consilience-4590 166 1 it it PRON consilience-4590 166 2 indicates indicate VERB consilience-4590 166 3 that that SCONJ consilience-4590 166 4 a a DET consilience-4590 166 5 woman woman NOUN consilience-4590 166 6 is be AUX consilience-4590 166 7 more more ADV consilience-4590 166 8 likely likely ADJ consilience-4590 166 9 to to PART consilience-4590 166 10 repay repay VERB consilience-4590 166 11 her her PRON consilience-4590 166 12 loan loan NOUN consilience-4590 166 13 on on ADP consilience-4590 166 14 time time NOUN consilience-4590 166 15 . . PUNCT consilience-4590 167 1 the the DET consilience-4590 167 2 significance significance NOUN consilience-4590 167 3 of of ADP consilience-4590 167 4 the the DET consilience-4590 167 5 reimbursement reimbursement NOUN consilience-4590 167 6 history history NOUN consilience-4590 167 7 confirms confirm VERB consilience-4590 167 8 that that SCONJ consilience-4590 167 9 the the DET consilience-4590 167 10 credit credit NOUN consilience-4590 167 11 history history NOUN consilience-4590 167 12 of of ADP consilience-4590 167 13 a a DET consilience-4590 167 14 borrower borrower NOUN consilience-4590 167 15 is be AUX consilience-4590 167 16 a a DET consilience-4590 167 17 good good ADJ consilience-4590 167 18 indicator indicator NOUN consilience-4590 167 19 of of ADP consilience-4590 167 20 the the DET consilience-4590 167 21 likelihood likelihood NOUN consilience-4590 167 22 of of ADP consilience-4590 167 23 timely timely ADJ consilience-4590 167 24 reimbursement reimbursement NOUN consilience-4590 167 25 . . PUNCT consilience-4590 168 1 the the DET consilience-4590 168 2 variable variable ADJ consilience-4590 168 3 guarantee guarantee NOUN consilience-4590 168 4 is be AUX consilience-4590 168 5 significant significant ADJ consilience-4590 168 6 such such ADJ consilience-4590 168 7 that that SCONJ consilience-4590 168 8 it it PRON consilience-4590 168 9 enables enable VERB consilience-4590 168 10 the the DET consilience-4590 168 11 risk risk NOUN consilience-4590 168 12 to to PART consilience-4590 168 13 be be AUX consilience-4590 168 14 shared share VERB consilience-4590 168 15 between between ADP consilience-4590 168 16 the the DET consilience-4590 168 17 meczop meczop PROPN consilience-4590 168 18 and and CCONJ consilience-4590 168 19 the the DET consilience-4590 168 20 borrower borrower NOUN consilience-4590 168 21 . . PUNCT consilience-4590 169 1 the the DET consilience-4590 169 2 borrower borrower NOUN consilience-4590 169 3 that that PRON consilience-4590 169 4 guarantees guarantee VERB consilience-4590 169 5 his his PRON consilience-4590 169 6 / / SYM consilience-4590 169 7 her her PRON consilience-4590 169 8 loan loan NOUN consilience-4590 169 9 is be AUX consilience-4590 169 10 expected expect VERB consilience-4590 169 11 to to PART consilience-4590 169 12 repay repay VERB consilience-4590 169 13 loan loan NOUN consilience-4590 169 14 on on ADP consilience-4590 169 15 time time NOUN consilience-4590 169 16 . . PUNCT consilience-4590 170 1 as as ADP consilience-4590 170 2 for for ADP consilience-4590 170 3 the the DET consilience-4590 170 4 remaining remain VERB consilience-4590 170 5 variables variable NOUN consilience-4590 170 6 , , PUNCT consilience-4590 170 7 they they PRON consilience-4590 170 8 are be AUX consilience-4590 170 9 not not PART consilience-4590 170 10 significant significant ADJ consilience-4590 170 11 but but CCONJ consilience-4590 170 12 however however ADV consilience-4590 170 13 nonetheless nonetheless ADV consilience-4590 170 14 contribute contribute VERB consilience-4590 170 15 to to ADP consilience-4590 170 16 explaining explain VERB consilience-4590 170 17 late late ADJ consilience-4590 170 18 reimbursement reimbursement NOUN consilience-4590 170 19 . . PUNCT consilience-4590 171 1 the the DET consilience-4590 171 2 problem problem NOUN consilience-4590 171 3 of of ADP consilience-4590 171 4 normalizing normalize VERB consilience-4590 171 5 the the DET consilience-4590 171 6 variance variance NOUN consilience-4590 171 7 makes make VERB consilience-4590 171 8 it it PRON consilience-4590 171 9 such such ADJ consilience-4590 171 10 that that SCONJ consilience-4590 171 11 the the DET consilience-4590 171 12 numeric numeric ADJ consilience-4590 171 13 values value NOUN consilience-4590 171 14 ( ( PUNCT consilience-4590 171 15 estimated estimate VERB consilience-4590 171 16 coefficients coefficient NOUN consilience-4590 171 17 ) ) PUNCT consilience-4590 171 18 of of ADP consilience-4590 171 19 the the DET consilience-4590 171 20 variables variable NOUN consilience-4590 171 21 can can AUX consilience-4590 171 22 not not PART consilience-4590 171 23 be be AUX consilience-4590 171 24 interpreted interpret VERB consilience-4590 171 25 directly directly ADV consilience-4590 171 26 ( ( PUNCT consilience-4590 171 27 hurlin hurlin NOUN consilience-4590 171 28 , , PUNCT consilience-4590 171 29 2002 2002 NUM consilience-4590 171 30 ) ) PUNCT consilience-4590 171 31 . . PUNCT consilience-4590 172 1 the the DET consilience-4590 172 2 sign sign NOUN consilience-4590 172 3 of of ADP consilience-4590 172 4 the the DET consilience-4590 172 5 parameters parameter NOUN consilience-4590 172 6 only only ADV consilience-4590 172 7 indicates indicate VERB consilience-4590 172 8 the the DET consilience-4590 172 9 direction direction NOUN consilience-4590 172 10 that that SCONJ consilience-4590 172 11 the the DET consilience-4590 172 12 explanatory explanatory ADJ consilience-4590 172 13 variables variable NOUN consilience-4590 172 14 associated associate VERB consilience-4590 172 15 with with ADP consilience-4590 172 16 the the DET consilience-4590 172 17 different different ADJ consilience-4590 172 18 parameters parameter NOUN consilience-4590 172 19 influences influence VERB consilience-4590 172 20 the the DET consilience-4590 172 21 probability probability NOUN consilience-4590 172 22 of of ADP consilience-4590 172 23 late late ADJ consilience-4590 172 24 reimbursement reimbursement NOUN consilience-4590 172 25 . . PUNCT consilience-4590 173 1 consequently consequently ADV consilience-4590 173 2 , , PUNCT consilience-4590 173 3 computing compute VERB consilience-4590 173 4 the the DET consilience-4590 173 5 marginal marginal ADJ consilience-4590 173 6 effects effect NOUN consilience-4590 173 7 will will AUX consilience-4590 173 8 measure measure VERB consilience-4590 173 9 the the DET consilience-4590 173 10 sensibility sensibility NOUN consilience-4590 173 11 of of ADP consilience-4590 173 12 the the DET consilience-4590 173 13 probability probability NOUN consilience-4590 173 14 of of ADP consilience-4590 173 15 reimbursement reimbursement NOUN consilience-4590 173 16 with with ADP consilience-4590 173 17 respect respect NOUN consilience-4590 173 18 to to ADP consilience-4590 173 19 the the DET consilience-4590 173 20 variations variation NOUN consilience-4590 173 21 in in ADP consilience-4590 173 22 the the DET consilience-4590 173 23 exogenous exogenous ADJ consilience-4590 173 24 variables variable NOUN consilience-4590 173 25 . . PUNCT consilience-4590 173 26                                                                                                                                                                                                                                                     SPACE consilience-4590 174 1 13 13 NUM consilience-4590 174 2     SPACE consilience-4590 174 3 this this PRON consilience-4590 174 4 is be AUX consilience-4590 174 5 calculated calculate VERB consilience-4590 174 6 using use VERB consilience-4590 174 7 the the DET consilience-4590 174 8 formula formula NOUN consilience-4590 174 9 of of ADP consilience-4590 174 10 the the DET consilience-4590 174 11 vertex vertex NOUN consilience-4590 174 12 point point NOUN consilience-4590 174 13 . . PUNCT consilience-4590 175 1 in in ADP consilience-4590 175 2 the the DET consilience-4590 175 3 estimated estimate VERB consilience-4590 175 4 equation equation NOUN consilience-4590 175 5 , , PUNCT consilience-4590 175 6 the the DET consilience-4590 175 7 variables variable NOUN consilience-4590 175 8 other other ADJ consilience-4590 175 9 than than ADP consilience-4590 175 10 age age NOUN consilience-4590 175 11 and and CCONJ consilience-4590 175 12 age^2 age^2 PRON consilience-4590 175 13 are be AUX consilience-4590 175 14 held hold VERB consilience-4590 175 15 constant constant ADJ consilience-4590 175 16 . . PUNCT consilience-4590 176 1 the the DET consilience-4590 176 2 result result NOUN consilience-4590 176 3 is be AUX consilience-4590 176 4 obtained obtain VERB consilience-4590 176 5 by by ADP consilience-4590 176 6 differentiating differentiate VERB consilience-4590 176 7 the the DET consilience-4590 176 8 equation equation NOUN consilience-4590 176 9 relatively relatively ADV consilience-4590 176 10 to to ADP consilience-4590 176 11 age age NOUN consilience-4590 176 12 . . PUNCT consilience-4590 177 1 47.8 47.8 NUM consilience-4590 177 2 years year NOUN consilience-4590 177 3 is be AUX consilience-4590 177 4 therefore therefore ADV consilience-4590 177 5 the the DET consilience-4590 177 6 turning turning NOUN consilience-4590 177 7 point point NOUN consilience-4590 177 8 from from ADP consilience-4590 177 9 which which PRON consilience-4590 177 10 the the DET consilience-4590 177 11 effect effect NOUN consilience-4590 177 12 of of ADP consilience-4590 177 13 age age NOUN consilience-4590 177 14 on on ADP consilience-4590 177 15 the the DET consilience-4590 177 16 variable variable ADJ consilience-4590 177 17 reimbursement reimbursement NOUN consilience-4590 177 18 changes change NOUN consilience-4590 177 19 sign sign NOUN consilience-4590 177 20 . . PUNCT consilience-4590 178 1 hence hence ADV consilience-4590 178 2 , , PUNCT consilience-4590 178 3 the the DET consilience-4590 178 4 probability probability NOUN consilience-4590 178 5 that that SCONJ consilience-4590 178 6 a a DET consilience-4590 178 7 borrower borrower NOUN consilience-4590 178 8 is be AUX consilience-4590 178 9 late late ADJ consilience-4590 178 10 with with ADP consilience-4590 178 11 reimbursing reimburse VERB consilience-4590 178 12 increases increase NOUN consilience-4590 178 13 with with ADP consilience-4590 178 14 age age NOUN consilience-4590 178 15 until until ADP consilience-4590 178 16 47.8 47.8 NUM consilience-4590 178 17 years year NOUN consilience-4590 178 18 after after ADP consilience-4590 178 19 which which PRON consilience-4590 178 20 each each DET consilience-4590 178 21 additional additional ADJ consilience-4590 178 22 year year NOUN consilience-4590 178 23 reduces reduce VERB consilience-4590 178 24 the the DET consilience-4590 178 25 probability probability NOUN consilience-4590 178 26 of of ADP consilience-4590 178 27 tardiness tardiness NOUN consilience-4590 178 28 . . PUNCT consilience-4590 179 1 consilience consilience NOUN consilience-4590 179 2 kinda kinda NOUN consilience-4590 179 3 : : PUNCT consilience-4590 179 4 credit credit NOUN consilience-4590 179 5 scoring scoring NOUN consilience-4590 179 6 model model NOUN consilience-4590 179 7 27 27 NUM consilience-4590 179 8         SPACE consilience-4590 179 9 9 9 NUM consilience-4590 179 10 . . PUNCT consilience-4590 179 11 analyzing analyze VERB consilience-4590 179 12 the the DET consilience-4590 179 13 marginal marginal ADJ consilience-4590 179 14 effects effect NOUN consilience-4590 179 15 / / SYM consilience-4590 179 16 discrete discrete ADJ consilience-4590 179 17 changes change NOUN consilience-4590 179 18 only only ADV consilience-4590 179 19 the the DET consilience-4590 179 20 marginal marginal ADJ consilience-4590 179 21 effects effect NOUN consilience-4590 179 22 of of ADP consilience-4590 179 23 the the DET consilience-4590 179 24 significant significant ADJ consilience-4590 179 25 variables variable NOUN consilience-4590 179 26 will will AUX consilience-4590 179 27 be be AUX consilience-4590 179 28 analyzed analyze VERB consilience-4590 179 29 . . PUNCT consilience-4590 180 1 these these DET consilience-4590 180 2 effects effect NOUN consilience-4590 180 3 are be AUX consilience-4590 180 4 presented present VERB consilience-4590 180 5 in in ADP consilience-4590 180 6 the the DET consilience-4590 180 7 table table NOUN consilience-4590 180 8 3 3 NUM consilience-4590 180 9 below below ADV consilience-4590 180 10 . . PUNCT consilience-4590 181 1 table table NOUN consilience-4590 181 2 3 3 NUM consilience-4590 181 3 : : PUNCT consilience-4590 181 4 marginal marginal ADJ consilience-4590 181 5 effects effect NOUN consilience-4590 181 6 variables variable VERB consilience-4590 181 7 marginal marginal ADJ consilience-4590 181 8 effects effect NOUN consilience-4590 181 9 ( ( PUNCT consilience-4590 181 10 dy dy X consilience-4590 181 11 / / SYM consilience-4590 181 12 dx dx PROPN consilience-4590 181 13 ) ) PUNCT consilience-4590 181 14 age age NOUN consilience-4590 181 15 0.2050036 0.2050036 NUM consilience-4590 181 16 age2 age2 NOUN consilience-4590 181 17 -0.0021445 -0.0021445 NOUN consilience-4590 181 18 sex sex NOUN consilience-4590 181 19 -0.2049425 -0.2049425 NOUN consilience-4590 181 20 reimbursement reimbursement NOUN consilience-4590 181 21 history history NOUN consilience-4590 181 22 0.7760315 0.7760315 NUM consilience-4590 181 23 guarantee guarantee NOUN consilience-4590 181 24 -0.6025916 -0.6025916 NOUN consilience-4590 181 25 frequency frequency NOUN consilience-4590 181 26 of of ADP consilience-4590 181 27 reimbursement reimbursement NOUN consilience-4590 181 28 0.7674955 0.7674955 NUM consilience-4590 181 29 source source NOUN consilience-4590 181 30 : : PUNCT consilience-4590 181 31 from from ADP consilience-4590 181 32 the the DET consilience-4590 181 33 study study NOUN consilience-4590 181 34 , , PUNCT consilience-4590 181 35 stata stata PROPN consilience-4590 181 36 , , PUNCT consilience-4590 181 37 2011 2011 NUM consilience-4590 181 38 the the DET consilience-4590 181 39 marginal marginal ADJ consilience-4590 181 40 effect effect NOUN consilience-4590 181 41 indicates indicate VERB consilience-4590 181 42 that that SCONJ consilience-4590 181 43 when when SCONJ consilience-4590 181 44 a a DET consilience-4590 181 45 borrower borrower NOUN consilience-4590 181 46 is be AUX consilience-4590 181 47 below below ADP consilience-4590 181 48 47.8 47.8 NUM consilience-4590 181 49 years year NOUN consilience-4590 181 50 , , PUNCT consilience-4590 181 51 the the DET consilience-4590 181 52 probability probability NOUN consilience-4590 181 53 that that SCONJ consilience-4590 181 54 he he PRON consilience-4590 181 55 is be AUX consilience-4590 181 56 late late ADJ consilience-4590 181 57 with with ADP consilience-4590 181 58 reimbursing reimburse VERB consilience-4590 181 59 increases increase NOUN consilience-4590 181 60 by by ADP consilience-4590 181 61 0.2 0.2 NUM consilience-4590 181 62 , , PUNCT consilience-4590 181 63 while while SCONJ consilience-4590 181 64 when when SCONJ consilience-4590 181 65 a a DET consilience-4590 181 66 borrower borrower NOUN consilience-4590 181 67 is be AUX consilience-4590 181 68 above above ADP consilience-4590 181 69 47.8 47.8 NUM consilience-4590 181 70 years year NOUN consilience-4590 181 71 , , PUNCT consilience-4590 181 72 the the DET consilience-4590 181 73 probability probability NOUN consilience-4590 181 74 of of ADP consilience-4590 181 75 lateness lateness NOUN consilience-4590 181 76 decreases decrease VERB consilience-4590 181 77 by by ADP consilience-4590 181 78 0.002 0.002 NUM consilience-4590 181 79 , , PUNCT consilience-4590 181 80 ceteris ceteris NOUN consilience-4590 181 81 paribus paribus NOUN consilience-4590 181 82 . . PUNCT consilience-4590 182 1 for for ADP consilience-4590 182 2 example example NOUN consilience-4590 182 3 , , PUNCT consilience-4590 182 4 taking take VERB consilience-4590 182 5 the the DET consilience-4590 182 6 example example NOUN consilience-4590 182 7 presented present VERB consilience-4590 182 8 above above ADV consilience-4590 182 9 and and CCONJ consilience-4590 182 10 holding hold VERB consilience-4590 182 11 all all DET consilience-4590 182 12 else else ADV consilience-4590 182 13 equal equal ADJ consilience-4590 182 14 , , PUNCT consilience-4590 182 15 the the DET consilience-4590 182 16 probability probability NOUN consilience-4590 182 17 of of ADP consilience-4590 182 18 late late ADJ consilience-4590 182 19 reimbursement reimbursement NOUN consilience-4590 182 20 changes change NOUN consilience-4590 182 21 from from ADP consilience-4590 182 22 44.02 44.02 NUM consilience-4590 182 23 % % NOUN consilience-4590 182 24 to to ADP consilience-4590 182 25 30.15 30.15 NUM consilience-4590 182 26 % % NOUN consilience-4590 182 27 when when SCONJ consilience-4590 182 28 the the DET consilience-4590 182 29 age age NOUN consilience-4590 182 30 of of ADP consilience-4590 182 31 the the DET consilience-4590 182 32 borrower borrower NOUN consilience-4590 182 33 increases increase VERB consilience-4590 182 34 from from ADP consilience-4590 182 35 45 45 NUM consilience-4590 182 36 to to ADP consilience-4590 182 37 55 55 NUM consilience-4590 182 38 . . PUNCT consilience-4590 183 1 this this PRON consilience-4590 183 2 corroborates corroborate VERB consilience-4590 183 3 the the DET consilience-4590 183 4 fact fact NOUN consilience-4590 183 5 that that SCONJ consilience-4590 183 6 older old ADJ consilience-4590 183 7 borrowers borrower NOUN consilience-4590 183 8 have have AUX consilience-4590 183 9 better well ADJ consilience-4590 183 10 credit credit NOUN consilience-4590 183 11 risk risk NOUN consilience-4590 183 12 than than ADP consilience-4590 183 13 younger young ADJ consilience-4590 183 14 borrowers borrower NOUN consilience-4590 183 15 . . PUNCT consilience-4590 184 1 the the DET consilience-4590 184 2 marginal marginal ADJ consilience-4590 184 3 effect effect NOUN consilience-4590 184 4 of of ADP consilience-4590 184 5 gender gender NOUN consilience-4590 184 6 ( ( PUNCT consilience-4590 184 7 sex sex NOUN consilience-4590 184 8 ) ) PUNCT consilience-4590 184 9 indicates indicate VERB consilience-4590 184 10 that that SCONJ consilience-4590 184 11 if if SCONJ consilience-4590 184 12 the the DET consilience-4590 184 13 borrower borrower NOUN consilience-4590 184 14 is be AUX consilience-4590 184 15 a a DET consilience-4590 184 16 woman woman NOUN consilience-4590 184 17 , , PUNCT consilience-4590 184 18 the the DET consilience-4590 184 19 probability probability NOUN consilience-4590 184 20 that that SCONJ consilience-4590 184 21 she she PRON consilience-4590 184 22 is be AUX consilience-4590 184 23 late late ADV consilience-4590 184 24 giving give VERB consilience-4590 184 25 the the DET consilience-4590 184 26 reimbursement reimbursement NOUN consilience-4590 184 27 decreases decrease NOUN consilience-4590 184 28 by by ADP consilience-4590 184 29 0.20 0.20 NUM consilience-4590 184 30 . . PUNCT consilience-4590 185 1 where where SCONJ consilience-4590 185 2 reimbursement reimbursement NOUN consilience-4590 185 3 history history NOUN consilience-4590 185 4 indicates indicate VERB consilience-4590 185 5 tardiness tardiness NOUN consilience-4590 185 6 , , PUNCT consilience-4590 185 7 the the DET consilience-4590 185 8 probability probability NOUN consilience-4590 185 9 that that SCONJ consilience-4590 185 10 the the DET consilience-4590 185 11 borrower borrower NOUN consilience-4590 185 12 is be AUX consilience-4590 185 13 late late ADV consilience-4590 185 14 giving give VERB consilience-4590 185 15 the the DET consilience-4590 185 16 reimbursement reimbursement NOUN consilience-4590 185 17 increases increase NOUN consilience-4590 185 18 approximately approximately ADV consilience-4590 185 19 by by ADP consilience-4590 185 20 0.77 0.77 NUM consilience-4590 185 21 . . PUNCT consilience-4590 186 1 in in ADP consilience-4590 186 2 addition addition NOUN consilience-4590 186 3 , , PUNCT consilience-4590 186 4 when when SCONJ consilience-4590 186 5 the the DET consilience-4590 186 6 loan loan NOUN consilience-4590 186 7 includes include VERB consilience-4590 186 8 a a DET consilience-4590 186 9 guarantee14 guarantee14 ADJ consilience-4590 186 10 , , PUNCT consilience-4590 186 11 the the DET consilience-4590 186 12 probability probability NOUN consilience-4590 186 13 that that SCONJ consilience-4590 186 14 the the DET consilience-4590 186 15 borrower borrower NOUN consilience-4590 186 16 is be AUX consilience-4590 186 17 late late ADJ consilience-4590 186 18 decreases decrease NOUN consilience-4590 186 19 by by ADP consilience-4590 186 20 0.60 0.60 NUM consilience-4590 186 21 . . PUNCT consilience-4590 187 1 when when SCONJ consilience-4590 187 2 the the DET consilience-4590 187 3 frequency frequency NOUN consilience-4590 187 4 of of ADP consilience-4590 187 5 reimbursement reimbursement NOUN consilience-4590 187 6 is be AUX consilience-4590 187 7 high high ADJ consilience-4590 187 8 , , PUNCT consilience-4590 187 9 requiring require VERB consilience-4590 187 10 multiple multiple ADJ consilience-4590 187 11 payments payment NOUN consilience-4590 187 12 , , PUNCT consilience-4590 187 13 the the DET consilience-4590 187 14 probability probability NOUN consilience-4590 187 15 of of ADP consilience-4590 187 16 default default NOUN consilience-4590 187 17 increases increase NOUN consilience-4590 187 18 by by ADP consilience-4590 187 19 0.76 0.76 NUM consilience-4590 187 20 . . PUNCT consilience-4590 188 1 to to PART consilience-4590 188 2 evaluate evaluate VERB consilience-4590 188 3 the the DET consilience-4590 188 4 quality quality NOUN consilience-4590 188 5 of of ADP consilience-4590 188 6 the the DET consilience-4590 188 7 prediction prediction NOUN consilience-4590 188 8 , , PUNCT consilience-4590 188 9 it it PRON consilience-4590 188 10 was be AUX consilience-4590 188 11 necessary necessary ADJ consilience-4590 188 12 to to PART consilience-4590 188 13 generate generate VERB consilience-4590 188 14 a a DET consilience-4590 188 15 prediction prediction NOUN consilience-4590 188 16 table table NOUN consilience-4590 188 17 from from ADP consilience-4590 188 18 the the DET consilience-4590 188 19 model model NOUN consilience-4590 188 20 to to PART consilience-4590 188 21 evaluate evaluate VERB consilience-4590 188 22 its its PRON consilience-4590 188 23 ability ability NOUN consilience-4590 188 24 to to PART consilience-4590 188 25 predict predict VERB consilience-4590 188 26 the the DET consilience-4590 188 27 realization realization NOUN consilience-4590 188 28 of of ADP consilience-4590 188 29 the the DET consilience-4590 188 30 events event NOUN consilience-4590 188 31 associated associate VERB consilience-4590 188 32 with with ADP consilience-4590 188 33 the the DET consilience-4590 188 34 dependent dependent ADJ consilience-4590 188 35 variable variable NOUN consilience-4590 188 36 . . PUNCT consilience-4590 188 37                                                                                                                                                                                                                                                     SPACE consilience-4590 189 1 14 14 NUM consilience-4590 189 2     SPACE consilience-4590 189 3 the the DET consilience-4590 189 4 guarantee guarantee NOUN consilience-4590 189 5 in in ADP consilience-4590 189 6 this this DET consilience-4590 189 7 case case NOUN consilience-4590 189 8 is be AUX consilience-4590 189 9 all all DET consilience-4590 189 10 other other ADJ consilience-4590 189 11 forms form NOUN consilience-4590 189 12 of of ADP consilience-4590 189 13 guarantee guarantee NOUN consilience-4590 189 14 other other ADJ consilience-4590 189 15 than than ADP consilience-4590 189 16 the the DET consilience-4590 189 17 mandatory mandatory ADJ consilience-4590 189 18 20 20 NUM consilience-4590 189 19 % % NOUN consilience-4590 189 20 of of ADP consilience-4590 189 21 the the DET consilience-4590 189 22 loan loan NOUN consilience-4590 189 23 amount amount NOUN consilience-4590 189 24 deposited deposit VERB consilience-4590 189 25 when when SCONJ consilience-4590 189 26 the the DET consilience-4590 189 27 loan loan NOUN consilience-4590 189 28 amount amount NOUN consilience-4590 189 29 is be AUX consilience-4590 189 30 below below ADP consilience-4590 189 31 250,000 250,000 NUM consilience-4590 189 32 fcfa fcfa NOUN consilience-4590 189 33 . . PUNCT consilience-4590 190 1 as as ADP consilience-4590 190 2 a a DET consilience-4590 190 3 result result NOUN consilience-4590 190 4 the the DET consilience-4590 190 5 guarantee guarantee NOUN consilience-4590 190 6 variable variable NOUN consilience-4590 190 7 is be AUX consilience-4590 190 8 coded code VERB consilience-4590 190 9 0 0 NUM consilience-4590 191 1 when when SCONJ consilience-4590 191 2 20 20 NUM consilience-4590 191 3 % % NOUN consilience-4590 191 4 of of ADP consilience-4590 191 5 the the DET consilience-4590 191 6 loan loan NOUN consilience-4590 191 7 amount amount NOUN consilience-4590 191 8 is be AUX consilience-4590 191 9 required require VERB consilience-4590 191 10 and and CCONJ consilience-4590 191 11 1 1 NUM consilience-4590 191 12 when when SCONJ consilience-4590 191 13 it it PRON consilience-4590 191 14 is be AUX consilience-4590 191 15 not not PART consilience-4590 191 16 but but CCONJ consilience-4590 191 17 another another DET consilience-4590 191 18 form form NOUN consilience-4590 191 19 of of ADP consilience-4590 191 20 guarantee guarantee NOUN consilience-4590 191 21 ( ( PUNCT consilience-4590 191 22 material material NOUN consilience-4590 191 23 or or CCONJ consilience-4590 191 24 other other ADJ consilience-4590 191 25 is be AUX consilience-4590 191 26 required require VERB consilience-4590 191 27 ) ) PUNCT consilience-4590 191 28 . . PUNCT consilience-4590 192 1 consilience consilience NOUN consilience-4590 192 2 kinda kinda NOUN consilience-4590 192 3 : : PUNCT consilience-4590 192 4 credit credit NOUN consilience-4590 192 5 scoring scoring NOUN consilience-4590 192 6 model model NOUN consilience-4590 192 7 28 28 NUM consilience-4590 192 8         SPACE consilience-4590 192 9 10 10 NUM consilience-4590 192 10 . . PUNCT consilience-4590 193 1 quality quality NOUN consilience-4590 193 2 of of ADP consilience-4590 193 3 the the DET consilience-4590 193 4 prediction prediction NOUN consilience-4590 193 5 : : PUNCT consilience-4590 193 6 table table NOUN consilience-4590 193 7 of of ADP consilience-4590 193 8 classification classification NOUN consilience-4590 193 9 and and CCONJ consilience-4590 193 10 the the DET consilience-4590 193 11 receiver receiver NOUN consilience-4590 193 12 operating operate VERB consilience-4590 193 13 characteristic characteristic NOUN consilience-4590 193 14 ( ( PUNCT consilience-4590 193 15 roc roc PROPN consilience-4590 193 16 ) ) PUNCT consilience-4590 193 17 curve curve VERB consilience-4590 193 18 the the DET consilience-4590 193 19 quality quality NOUN consilience-4590 193 20 of of ADP consilience-4590 193 21 the the DET consilience-4590 193 22 prediction prediction NOUN consilience-4590 193 23 is be AUX consilience-4590 193 24 presented present VERB consilience-4590 193 25 on on ADP consilience-4590 193 26 the the DET consilience-4590 193 27 table table NOUN consilience-4590 193 28 4 4 NUM consilience-4590 193 29 below below ADV consilience-4590 193 30 . . PUNCT consilience-4590 194 1 table table NOUN consilience-4590 194 2 4 4 NUM consilience-4590 194 3 : : PUNCT consilience-4590 194 4 classification classification NOUN consilience-4590 194 5 table table NOUN consilience-4590 194 6 threshold threshold NOUN consilience-4590 194 7 0.5 0.5 NUM consilience-4590 194 8 sensitivity sensitivity NOUN consilience-4590 194 9 86.67 86.67 NUM consilience-4590 194 10 % % NOUN consilience-4590 194 11 specificity specificity NOUN consilience-4590 194 12 93.33 93.33 NUM consilience-4590 194 13 % % NOUN consilience-4590 194 14 positive positive ADJ consilience-4590 194 15 predicted predict VERB consilience-4590 194 16 value value NOUN consilience-4590 194 17 ( ( PUNCT consilience-4590 194 18 late late ADJ consilience-4590 194 19 reimbursement reimbursement NOUN consilience-4590 194 20 ) ) PUNCT consilience-4590 194 21 92.86 92.86 NUM consilience-4590 194 22 % % NOUN consilience-4590 194 23 negative negative ADJ consilience-4590 194 24 predicted predict VERB consilience-4590 194 25 value(reimbursing value(reimbursing NOUN consilience-4590 194 26 loan loan NOUN consilience-4590 194 27 on on ADP consilience-4590 194 28 time time NOUN consilience-4590 194 29 ) ) PUNCT consilience-4590 194 30 87.50 87.50 NUM consilience-4590 194 31 % % NOUN consilience-4590 194 32 correctly correctly ADV consilience-4590 194 33 classified classify VERB consilience-4590 194 34 90 90 NUM consilience-4590 194 35 % % NOUN consilience-4590 194 36 source source NOUN consilience-4590 194 37 : : PUNCT consilience-4590 194 38 from from ADP consilience-4590 194 39 the the DET consilience-4590 194 40 study study NOUN consilience-4590 194 41 , , PUNCT consilience-4590 194 42 stata stata PROPN consilience-4590 194 43 , , PUNCT consilience-4590 194 44 2011 2011 NUM consilience-4590 194 45 the the DET consilience-4590 194 46 table table NOUN consilience-4590 194 47 shows show VERB consilience-4590 194 48 that that SCONJ consilience-4590 194 49 at at ADP consilience-4590 194 50 a a DET consilience-4590 194 51 threshold threshold NOUN consilience-4590 194 52 of of ADP consilience-4590 194 53 0.5 0.5 NUM consilience-4590 194 54 , , PUNCT consilience-4590 194 55 the the DET consilience-4590 194 56 overall overall ADJ consilience-4590 194 57 accuracy accuracy NOUN consilience-4590 194 58 of of ADP consilience-4590 194 59 the the DET consilience-4590 194 60 model model NOUN consilience-4590 194 61 to to PART consilience-4590 194 62 predict predict VERB consilience-4590 194 63 a a DET consilience-4590 194 64 delay delay NOUN consilience-4590 194 65 in in ADP consilience-4590 194 66 reimbursement reimbursement NOUN consilience-4590 194 67 ( ( PUNCT consilience-4590 194 68 with with ADP consilience-4590 194 69 a a DET consilience-4590 194 70 probability probability NOUN consilience-4590 194 71 of of ADP consilience-4590 194 72 0.5 0.5 NUM consilience-4590 194 73 or or CCONJ consilience-4590 194 74 greater great ADJ consilience-4590 194 75 ) ) PUNCT consilience-4590 194 76 is be AUX consilience-4590 194 77 90 90 NUM consilience-4590 194 78 % % NOUN consilience-4590 194 79 15 15 NUM consilience-4590 194 80 . . PUNCT consilience-4590 195 1 a a DET consilience-4590 195 2 sensitivity sensitivity NOUN consilience-4590 195 3 of of ADP consilience-4590 195 4 86.67 86.67 NUM consilience-4590 195 5 shows show VERB consilience-4590 195 6 that that SCONJ consilience-4590 195 7 among among ADP consilience-4590 195 8 the the DET consilience-4590 195 9 15 15 NUM consilience-4590 195 10 events event NOUN consilience-4590 195 11 “ " PUNCT consilience-4590 195 12 delay delay NOUN consilience-4590 195 13 in in ADP consilience-4590 195 14 reimbursement reimbursement NOUN consilience-4590 195 15 ” " PUNCT consilience-4590 195 16 , , PUNCT consilience-4590 195 17 13 13 NUM consilience-4590 195 18 will will AUX consilience-4590 195 19 test test VERB consilience-4590 195 20 with with ADP consilience-4590 195 21 delay delay NOUN consilience-4590 195 22 and and CCONJ consilience-4590 195 23 2 2 NUM consilience-4590 195 24 will will AUX consilience-4590 195 25 test test VERB consilience-4590 195 26 without without ADP consilience-4590 195 27 delay delay NOUN consilience-4590 195 28 . . PUNCT consilience-4590 196 1 a a DET consilience-4590 196 2 specificity specificity NOUN consilience-4590 196 3 of of ADP consilience-4590 196 4 93.33 93.33 NUM consilience-4590 196 5 % % NOUN consilience-4590 196 6 means mean VERB consilience-4590 196 7 that that PRON consilience-4590 196 8 of of ADP consilience-4590 196 9 the the DET consilience-4590 196 10 15 15 NUM consilience-4590 196 11 events event NOUN consilience-4590 196 12 “ " PUNCT consilience-4590 196 13 reimbursement reimbursement NOUN consilience-4590 196 14 on on ADP consilience-4590 196 15 time time NOUN consilience-4590 196 16 ” " PUNCT consilience-4590 196 17 14 14 NUM consilience-4590 196 18 will will AUX consilience-4590 196 19 test test VERB consilience-4590 196 20 without without ADP consilience-4590 196 21 delay delay NOUN consilience-4590 196 22 and and CCONJ consilience-4590 196 23 1 1 NUM consilience-4590 196 24 will will AUX consilience-4590 196 25 test test VERB consilience-4590 196 26 with with ADP consilience-4590 196 27 a a DET consilience-4590 196 28 delay delay NOUN consilience-4590 196 29 . . PUNCT consilience-4590 197 1 the the DET consilience-4590 197 2 probability probability NOUN consilience-4590 197 3 ( ( PUNCT consilience-4590 197 4 92.86 92.86 NUM consilience-4590 197 5 % % NOUN consilience-4590 197 6 ) ) PUNCT consilience-4590 197 7 that that SCONJ consilience-4590 197 8 a a DET consilience-4590 197 9 borrower borrower NOUN consilience-4590 197 10 is be AUX consilience-4590 197 11 in in ADP consilience-4590 197 12 arrears arrear NOUN consilience-4590 197 13 for for ADP consilience-4590 197 14 reimbursement reimbursement NOUN consilience-4590 197 15 when when SCONJ consilience-4590 197 16 the the DET consilience-4590 197 17 “ " PUNCT consilience-4590 197 18 delay delay NOUN consilience-4590 197 19 in in ADP consilience-4590 197 20 reimbursement reimbursement NOUN consilience-4590 197 21 ” " PUNCT consilience-4590 197 22 is be AUX consilience-4590 197 23 observed observe VERB consilience-4590 197 24 represents represent VERB consilience-4590 197 25 the the DET consilience-4590 197 26 positive positive ADJ consilience-4590 197 27 predictive predictive ADJ consilience-4590 197 28 value value NOUN consilience-4590 197 29 . . PUNCT consilience-4590 198 1 the the DET consilience-4590 198 2 negative negative ADJ consilience-4590 198 3 predicted predict VERB consilience-4590 198 4 value value NOUN consilience-4590 198 5 ( ( PUNCT consilience-4590 198 6 87.50 87.50 NUM consilience-4590 198 7 ) ) PUNCT consilience-4590 198 8 is be AUX consilience-4590 198 9 the the DET consilience-4590 198 10 probability probability NOUN consilience-4590 198 11 that that SCONJ consilience-4590 198 12 a a DET consilience-4590 198 13 borrower borrower NOUN consilience-4590 198 14 is be AUX consilience-4590 198 15 not not PART consilience-4590 198 16 in in ADP consilience-4590 198 17 arrears arrear NOUN consilience-4590 198 18 for for ADP consilience-4590 198 19 repayment repayment NOUN consilience-4590 198 20 when when SCONJ consilience-4590 198 21 the the DET consilience-4590 198 22 event event NOUN consilience-4590 198 23 “ " PUNCT consilience-4590 198 24 reimbursement reimbursement NOUN consilience-4590 198 25 on on ADP consilience-4590 198 26 time time NOUN consilience-4590 198 27 ” " PUNCT consilience-4590 198 28 is be AUX consilience-4590 198 29 observed observe VERB consilience-4590 198 30 . . PUNCT consilience-4590 199 1 another another DET consilience-4590 199 2 good good ADJ consilience-4590 199 3 way way NOUN consilience-4590 199 4 to to PART consilience-4590 199 5 assess assess VERB consilience-4590 199 6 the the DET consilience-4590 199 7 fitness fitness NOUN consilience-4590 199 8 of of ADP consilience-4590 199 9 the the DET consilience-4590 199 10 model model NOUN consilience-4590 199 11 is be AUX consilience-4590 199 12 to to PART consilience-4590 199 13 plot plot VERB consilience-4590 199 14 the the DET consilience-4590 199 15 proportion proportion NOUN consilience-4590 199 16 of of ADP consilience-4590 199 17 observations observation NOUN consilience-4590 199 18 classified classify VERB consilience-4590 199 19 as as ADP consilience-4590 199 20 “ " PUNCT consilience-4590 199 21 tardiness tardiness NOUN consilience-4590 199 22 in in ADP consilience-4590 199 23 repayment repayment NOUN consilience-4590 199 24 ” " PUNCT consilience-4590 199 25 ( ( PUNCT consilience-4590 199 26 sensitivity sensitivity NOUN consilience-4590 199 27 ) ) PUNCT consilience-4590 199 28 against against ADP consilience-4590 199 29 the the DET consilience-4590 199 30 proportion proportion NOUN consilience-4590 199 31 of of ADP consilience-4590 199 32 observations observation NOUN consilience-4590 199 33 misclassified misclassifie VERB consilience-4590 199 34 as as ADP consilience-4590 199 35 “ " PUNCT consilience-4590 199 36 tardiness tardiness NOUN consilience-4590 199 37 in in ADP consilience-4590 199 38 repayment repayment NOUN consilience-4590 199 39 ” " PUNCT consilience-4590 199 40 ( ( PUNCT consilience-4590 199 41 1 1 NUM consilience-4590 199 42 - - PUNCT consilience-4590 199 43 specificity specificity NOUN consilience-4590 199 44 ) ) PUNCT consilience-4590 199 45 to to PART consilience-4590 199 46 give give VERB consilience-4590 199 47 a a DET consilience-4590 199 48 roc roc PROPN consilience-4590 199 49 curve curve NOUN consilience-4590 199 50 as as SCONJ consilience-4590 199 51 shown show VERB consilience-4590 199 52 in in ADP consilience-4590 199 53 figure figure NOUN consilience-4590 199 54 2 2 NUM consilience-4590 199 55 . . PUNCT consilience-4590 199 56 figure figure NOUN consilience-4590 199 57 2 2 NUM consilience-4590 199 58 : : PUNCT consilience-4590 199 59 roc roc PROPN consilience-4590 199 60 curve curve PROPN consilience-4590 199 61 source source NOUN consilience-4590 199 62 : : PUNCT consilience-4590 199 63 from from ADP consilience-4590 199 64 the the DET consilience-4590 199 65 study study NOUN consilience-4590 199 66 , , PUNCT consilience-4590 199 67 stata stata NOUN consilience-4590 199 68 , , PUNCT consilience-4590 199 69 2011 2011 NUM consilience-4590 199 70                                                                                                                                                                                                                                                     SPACE consilience-4590 199 71 15this 15this DET consilience-4590 199 72 rate rate NOUN consilience-4590 199 73 is be AUX consilience-4590 199 74 equal equal ADJ consilience-4590 199 75 to to ADP consilience-4590 199 76 the the DET consilience-4590 199 77 sum sum NOUN consilience-4590 199 78 of of ADP consilience-4590 199 79 the the DET consilience-4590 199 80 cases case NOUN consilience-4590 199 81 correctly correctly ADV consilience-4590 199 82 predicted predict VERB consilience-4590 199 83 divided divide VERB consilience-4590 199 84 by by ADP consilience-4590 199 85 the the DET consilience-4590 199 86 total total ADJ consilience-4590 199 87 number number NOUN consilience-4590 199 88 of of ADP consilience-4590 199 89 observations observation NOUN consilience-4590 199 90 . . PUNCT consilience-4590 200 1 0.00 0.00 NUM consilience-4590 200 2 0.25 0.25 NUM consilience-4590 200 3 0.50 0.50 NUM consilience-4590 200 4 0.75 0.75 NUM consilience-4590 200 5 1.00 1.00 NUM consilience-4590 200 6 se se X consilience-4590 200 7 ns ns PROPN consilience-4590 200 8 iti iti PROPN consilience-4590 200 9 vit vit PROPN consilience-4590 200 10 y y PROPN consilience-4590 200 11 0.00 0.00 NUM consilience-4590 200 12 0.25 0.25 NUM consilience-4590 200 13 0.50 0.50 NUM consilience-4590 200 14 0.75 0.75 NUM consilience-4590 200 15 1.00 1.00 NUM consilience-4590 200 16 1 1 NUM consilience-4590 200 17     SPACE consilience-4590 200 18 -­‐ -­‐ NOUN consilience-4590 200 19     SPACE consilience-4590 200 20 specificity specificity NOUN consilience-4590 200 21 area area NOUN consilience-4590 200 22     SPACE consilience-4590 200 23 under under ADP consilience-4590 200 24     SPACE consilience-4590 200 25 roc roc PROPN consilience-4590 200 26     SPACE consilience-4590 200 27 curve curve NOUN consilience-4590 200 28     SPACE consilience-4590 201 1 = = PUNCT consilience-4590 201 2     SPACE consilience-4590 201 3 0.9556 0.9556 NUM consilience-4590 201 4 consilience consilience NOUN consilience-4590 201 5 kinda kinda NOUN consilience-4590 201 6 : : PUNCT consilience-4590 201 7 credit credit NOUN consilience-4590 201 8 scoring scoring NOUN consilience-4590 201 9 model model NOUN consilience-4590 201 10 29 29 NUM consilience-4590 201 11         SPACE consilience-4590 201 12 our our PRON consilience-4590 201 13 model model NOUN consilience-4590 201 14 has have VERB consilience-4590 201 15 an an DET consilience-4590 201 16 area16 area16 NOUN consilience-4590 201 17 of of ADP consilience-4590 201 18 0.9556 0.9556 NUM consilience-4590 201 19 . . PUNCT consilience-4590 202 1 as as ADP consilience-4590 202 2 a a DET consilience-4590 202 3 result result NOUN consilience-4590 202 4 , , PUNCT consilience-4590 202 5 this this PRON consilience-4590 202 6 shows show VERB consilience-4590 202 7 that that SCONJ consilience-4590 202 8 in in ADP consilience-4590 202 9 almost almost ADV consilience-4590 202 10 96 96 NUM consilience-4590 202 11 % % NOUN consilience-4590 202 12 of of ADP consilience-4590 202 13 cases case NOUN consilience-4590 202 14 , , PUNCT consilience-4590 202 15 if if SCONJ consilience-4590 202 16 a a DET consilience-4590 202 17 positive positive ADJ consilience-4590 202 18 event event NOUN consilience-4590 202 19 ( ( PUNCT consilience-4590 202 20 delay delay NOUN consilience-4590 202 21 in in ADP consilience-4590 202 22 reimbursement reimbursement NOUN consilience-4590 202 23 ) ) PUNCT consilience-4590 202 24 and and CCONJ consilience-4590 202 25 a a DET consilience-4590 202 26 negative negative ADJ consilience-4590 202 27 event event NOUN consilience-4590 202 28 ( ( PUNCT consilience-4590 202 29 non non ADJ consilience-4590 202 30 - - ADJ consilience-4590 202 31 delay delay NOUN consilience-4590 202 32 in in ADP consilience-4590 202 33 reimbursement reimbursement NOUN consilience-4590 202 34 ) ) PUNCT consilience-4590 202 35 are be AUX consilience-4590 202 36 randomly randomly ADV consilience-4590 202 37 selected select VERB consilience-4590 202 38 , , PUNCT consilience-4590 202 39 the the DET consilience-4590 202 40 model model NOUN consilience-4590 202 41 will will AUX consilience-4590 202 42 assign assign VERB consilience-4590 202 43 a a DET consilience-4590 202 44 higher high ADJ consilience-4590 202 45 probability probability NOUN consilience-4590 202 46 to to ADP consilience-4590 202 47 the the DET consilience-4590 202 48 event event NOUN consilience-4590 202 49 “ " PUNCT consilience-4590 202 50 delay delay NOUN consilience-4590 202 51 in in ADP consilience-4590 202 52 reimbursement reimbursement NOUN consilience-4590 202 53 ” " PUNCT consilience-4590 202 54 which which PRON consilience-4590 202 55 denotes denote VERB consilience-4590 202 56 its its PRON consilience-4590 202 57 accuracy accuracy NOUN consilience-4590 202 58 prediction prediction NOUN consilience-4590 202 59 . . PUNCT consilience-4590 203 1 as as ADP consilience-4590 203 2 a a DET consilience-4590 203 3 result result NOUN consilience-4590 203 4 , , PUNCT consilience-4590 203 5 this this PRON consilience-4590 203 6 shows show VERB consilience-4590 203 7 that that SCONJ consilience-4590 203 8 in in ADP consilience-4590 203 9 almost almost ADV consilience-4590 203 10 96 96 NUM consilience-4590 203 11 % % NOUN consilience-4590 203 12 of of ADP consilience-4590 203 13 cases case NOUN consilience-4590 203 14 , , PUNCT consilience-4590 203 15 if if SCONJ consilience-4590 203 16 a a DET consilience-4590 203 17 positive positive ADJ consilience-4590 203 18 event event NOUN consilience-4590 203 19 ( ( PUNCT consilience-4590 203 20 delay delay NOUN consilience-4590 203 21 in in ADP consilience-4590 203 22 reimbursement reimbursement NOUN consilience-4590 203 23 ) ) PUNCT consilience-4590 203 24 and and CCONJ consilience-4590 203 25 a a DET consilience-4590 203 26 negative negative ADJ consilience-4590 203 27 event event NOUN consilience-4590 203 28 ( ( PUNCT consilience-4590 203 29 non non ADJ consilience-4590 203 30 - - ADJ consilience-4590 203 31 delay delay NOUN consilience-4590 203 32 in in ADP consilience-4590 203 33 reimbursement reimbursement NOUN consilience-4590 203 34 ) ) PUNCT consilience-4590 203 35 are be AUX consilience-4590 203 36 randomly randomly ADV consilience-4590 203 37 selected select VERB consilience-4590 203 38 , , PUNCT consilience-4590 203 39 the the DET consilience-4590 203 40 model model NOUN consilience-4590 203 41 will will AUX consilience-4590 203 42 assign assign VERB consilience-4590 203 43 a a DET consilience-4590 203 44 higher high ADJ consilience-4590 203 45 probability probability NOUN consilience-4590 203 46 to to ADP consilience-4590 203 47 the the DET consilience-4590 203 48 event event NOUN consilience-4590 203 49 “ " PUNCT consilience-4590 203 50 delay delay NOUN consilience-4590 203 51 in in ADP consilience-4590 203 52 reimbursement reimbursement NOUN consilience-4590 203 53 ” " PUNCT consilience-4590 203 54 which which PRON consilience-4590 203 55 denotes denote VERB consilience-4590 203 56 its its PRON consilience-4590 203 57 accuracy accuracy NOUN consilience-4590 203 58 prediction prediction NOUN consilience-4590 203 59 . . PUNCT consilience-4590 204 1 11 11 NUM consilience-4590 204 2 . . PUNCT consilience-4590 205 1 conclusion conclusion NOUN consilience-4590 205 2 in in ADP consilience-4590 205 3 the the DET consilience-4590 205 4 context context NOUN consilience-4590 205 5 of of ADP consilience-4590 205 6 senegal senegal NOUN consilience-4590 205 7 , , PUNCT consilience-4590 205 8 credit credit NOUN consilience-4590 205 9 risk risk NOUN consilience-4590 205 10 has have AUX consilience-4590 205 11 been be AUX consilience-4590 205 12 identified identify VERB consilience-4590 205 13 as as ADP consilience-4590 205 14 a a DET consilience-4590 205 15 threat threat NOUN consilience-4590 205 16 to to ADP consilience-4590 205 17 the the DET consilience-4590 205 18 sustainability sustainability NOUN consilience-4590 205 19 of of ADP consilience-4590 205 20 credit credit NOUN consilience-4590 205 21 access access NOUN consilience-4590 205 22 in in ADP consilience-4590 205 23 the the DET consilience-4590 205 24 rural rural ADJ consilience-4590 205 25 context context NOUN consilience-4590 205 26 . . PUNCT consilience-4590 206 1 the the DET consilience-4590 206 2 implications implication NOUN consilience-4590 206 3 of of ADP consilience-4590 206 4 poor poor ADJ consilience-4590 206 5 credit credit NOUN consilience-4590 206 6 risk risk NOUN consilience-4590 206 7 management management NOUN consilience-4590 206 8 are be AUX consilience-4590 206 9 severe severe ADJ consilience-4590 206 10 . . PUNCT consilience-4590 207 1 the the DET consilience-4590 207 2 meczop meczop PROPN consilience-4590 207 3 ’s ’s PART consilience-4590 207 4 operation operation NOUN consilience-4590 207 5 is be AUX consilience-4590 207 6 funded fund VERB consilience-4590 207 7 primarily primarily ADV consilience-4590 207 8 by by ADP consilience-4590 207 9 external external ADJ consilience-4590 207 10 borrowing borrowing NOUN consilience-4590 207 11 and and CCONJ consilience-4590 207 12 its its PRON consilience-4590 207 13 own own ADJ consilience-4590 207 14 capital capital NOUN consilience-4590 207 15 . . PUNCT consilience-4590 208 1 repayment repayment NOUN consilience-4590 208 2 constitutes constitute VERB consilience-4590 208 3 a a DET consilience-4590 208 4 serious serious ADJ consilience-4590 208 5 risk risk NOUN consilience-4590 208 6 for for ADP consilience-4590 208 7 the the DET consilience-4590 208 8 meczop meczop PROPN consilience-4590 208 9 ’s ’s PART consilience-4590 208 10 source source NOUN consilience-4590 208 11 of of ADP consilience-4590 208 12 funds fund NOUN consilience-4590 208 13 because because SCONJ consilience-4590 208 14 it it PRON consilience-4590 208 15 may may AUX consilience-4590 208 16 not not PART consilience-4590 208 17 be be AUX consilience-4590 208 18 in in ADP consilience-4590 208 19 a a DET consilience-4590 208 20 position position NOUN consilience-4590 208 21 to to PART consilience-4590 208 22 meet meet VERB consilience-4590 208 23 its its PRON consilience-4590 208 24 own own ADJ consilience-4590 208 25 financial financial ADJ consilience-4590 208 26 obligation obligation NOUN consilience-4590 208 27 . . PUNCT consilience-4590 209 1 additionally additionally ADV consilience-4590 209 2 , , PUNCT consilience-4590 209 3 the the DET consilience-4590 209 4 economic economic ADJ consilience-4590 209 5 development development NOUN consilience-4590 209 6 opportunities opportunity NOUN consilience-4590 209 7 of of ADP consilience-4590 209 8 the the DET consilience-4590 209 9 rural rural ADJ consilience-4590 209 10 community community NOUN consilience-4590 209 11 of of ADP consilience-4590 209 12 leona leona PROPN consilience-4590 209 13 , , PUNCT consilience-4590 209 14 where where SCONJ consilience-4590 209 15 the the DET consilience-4590 209 16 meczop meczop PROPN consilience-4590 209 17 operates operate VERB consilience-4590 209 18 is be AUX consilience-4590 209 19 linked link VERB consilience-4590 209 20 to to ADP consilience-4590 209 21 the the DET consilience-4590 209 22 mfi mfi PROPN consilience-4590 209 23 ’s ’s PART consilience-4590 209 24 capacity capacity NOUN consilience-4590 209 25 to to PART consilience-4590 209 26 provide provide VERB consilience-4590 209 27 loans loan NOUN consilience-4590 209 28 and and CCONJ consilience-4590 209 29 secure secure ADJ consilience-4590 209 30 savings saving NOUN consilience-4590 209 31 . . PUNCT consilience-4590 210 1 the the DET consilience-4590 210 2 meczop meczop PROPN consilience-4590 210 3 ’s ’s PART consilience-4590 210 4 credit credit NOUN consilience-4590 210 5 scoring scoring NOUN consilience-4590 210 6 model model NOUN consilience-4590 210 7 allows allow VERB consilience-4590 210 8 for for ADP consilience-4590 210 9 a a DET consilience-4590 210 10 greater great ADJ consilience-4590 210 11 grasp grasp NOUN consilience-4590 210 12 of of ADP consilience-4590 210 13 relevant relevant ADJ consilience-4590 210 14 variables variable NOUN consilience-4590 210 15 that that PRON consilience-4590 210 16 influence influence VERB consilience-4590 210 17 significantly significantly ADV consilience-4590 210 18 late late ADJ consilience-4590 210 19 reimbursement reimbursement NOUN consilience-4590 210 20 . . PUNCT consilience-4590 211 1 age age NOUN consilience-4590 211 2 explains explain VERB consilience-4590 211 3 the the DET consilience-4590 211 4 late late ADJ consilience-4590 211 5 reimbursement reimbursement NOUN consilience-4590 211 6 and and CCONJ consilience-4590 211 7 the the DET consilience-4590 211 8 meczop meczop PROPN consilience-4590 211 9 would would AUX consilience-4590 211 10 have have VERB consilience-4590 211 11 to to PART consilience-4590 211 12 keep keep VERB consilience-4590 211 13 an an DET consilience-4590 211 14 eye eye NOUN consilience-4590 211 15 on on ADP consilience-4590 211 16 borrowers borrower NOUN consilience-4590 211 17 that that PRON consilience-4590 211 18 are be AUX consilience-4590 211 19 under under ADP consilience-4590 211 20 47.8 47.8 NUM consilience-4590 211 21 years year NOUN consilience-4590 211 22 of of ADP consilience-4590 211 23 age age NOUN consilience-4590 211 24 . . PUNCT consilience-4590 212 1 given give VERB consilience-4590 212 2 that that SCONJ consilience-4590 212 3 women woman NOUN consilience-4590 212 4 are be AUX consilience-4590 212 5 good good ADJ consilience-4590 212 6 borrowers borrower NOUN consilience-4590 212 7 , , PUNCT consilience-4590 212 8 the the DET consilience-4590 212 9 credit credit NOUN consilience-4590 212 10 portfolio portfolio NOUN consilience-4590 212 11 allotted allot VERB consilience-4590 212 12 to to ADP consilience-4590 212 13 women woman NOUN consilience-4590 212 14 should should AUX consilience-4590 212 15 be be AUX consilience-4590 212 16 increase increase VERB consilience-4590 212 17 to to PART consilience-4590 212 18 allow allow VERB consilience-4590 212 19 them they PRON consilience-4590 212 20 to to PART consilience-4590 212 21 better well ADV consilience-4590 212 22 develop develop VERB consilience-4590 212 23 their their PRON consilience-4590 212 24 income income NOUN consilience-4590 212 25 generating generating NOUN consilience-4590 212 26 activities activity NOUN consilience-4590 212 27 . . PUNCT consilience-4590 213 1 additionally additionally ADV consilience-4590 213 2 , , PUNCT consilience-4590 213 3 such such DET consilience-4590 213 4 a a DET consilience-4590 213 5 policy policy NOUN consilience-4590 213 6 acknowledges acknowledge VERB consilience-4590 213 7 the the DET consilience-4590 213 8 important important ADJ consilience-4590 213 9 role role NOUN consilience-4590 213 10 women woman NOUN consilience-4590 213 11 play play VERB consilience-4590 213 12 in in ADP consilience-4590 213 13 the the DET consilience-4590 213 14 economy economy NOUN consilience-4590 213 15 . . PUNCT consilience-4590 214 1 meczop meczop PROPN consilience-4590 214 2 also also ADV consilience-4590 214 3 has have VERB consilience-4590 214 4 to to PART consilience-4590 214 5 focus focus VERB consilience-4590 214 6 on on ADP consilience-4590 214 7 loans loan NOUN consilience-4590 214 8 that that PRON consilience-4590 214 9 can can AUX consilience-4590 214 10 be be AUX consilience-4590 214 11 repaid repay VERB consilience-4590 214 12 with with ADP consilience-4590 214 13 multiple multiple ADJ consilience-4590 214 14 payments payment NOUN consilience-4590 214 15 . . PUNCT consilience-4590 215 1 collateral collateral NOUN consilience-4590 215 2 minimizes minimize VERB consilience-4590 215 3 the the DET consilience-4590 215 4 risk risk NOUN consilience-4590 215 5 of of ADP consilience-4590 215 6 non non ADJ consilience-4590 215 7 - - NOUN consilience-4590 215 8 reimbursement reimbursement ADJ consilience-4590 215 9 , , PUNCT consilience-4590 215 10 it it PRON consilience-4590 215 11 is be AUX consilience-4590 215 12 important important ADJ consilience-4590 215 13 that that SCONJ consilience-4590 215 14 the the DET consilience-4590 215 15 meczop meczop PROPN consilience-4590 215 16 in in ADP consilience-4590 215 17 addition addition NOUN consilience-4590 215 18 to to ADP consilience-4590 215 19 the the DET consilience-4590 215 20 forced force VERB consilience-4590 215 21 – – PUNCT consilience-4590 215 22 savings saving NOUN consilience-4590 215 23 demands demand NOUN consilience-4590 215 24 collateral collateral NOUN consilience-4590 215 25 for for ADP consilience-4590 215 26 loans loan NOUN consilience-4590 215 27 that that PRON consilience-4590 215 28 are be AUX consilience-4590 215 29 high high ADJ consilience-4590 215 30 . . PUNCT consilience-4590 216 1 the the DET consilience-4590 216 2 meczop meczop PROPN consilience-4590 216 3 would would AUX consilience-4590 216 4 benefit benefit VERB consilience-4590 216 5 from from ADP consilience-4590 216 6 being be AUX consilience-4590 216 7 reluctant reluctant ADJ consilience-4590 216 8 to to PART consilience-4590 216 9 issue issue VERB consilience-4590 216 10 credit credit NOUN consilience-4590 216 11 to to ADP consilience-4590 216 12 borrowers borrower NOUN consilience-4590 216 13 that that PRON consilience-4590 216 14 have have AUX consilience-4590 216 15 previously previously ADV consilience-4590 216 16 being be AUX consilience-4590 216 17 late late ADJ consilience-4590 216 18 in in ADP consilience-4590 216 19 repaying repay VERB consilience-4590 216 20 their their PRON consilience-4590 216 21 loans loan NOUN consilience-4590 216 22 . . PUNCT consilience-4590 217 1 in in ADP consilience-4590 217 2 addition addition NOUN consilience-4590 217 3 to to ADP consilience-4590 217 4 the the DET consilience-4590 217 5 addressed address VERB consilience-4590 217 6 variables variable NOUN consilience-4590 217 7 above above ADV consilience-4590 217 8 , , PUNCT consilience-4590 217 9 the the DET consilience-4590 217 10 meczop meczop PROPN consilience-4590 217 11 should should AUX consilience-4590 217 12 take take VERB consilience-4590 217 13 into into ADP consilience-4590 217 14 consideration consideration NOUN consilience-4590 217 15 the the DET consilience-4590 217 16 other other ADJ consilience-4590 217 17 determinants determinant NOUN consilience-4590 217 18 of of ADP consilience-4590 217 19 the the DET consilience-4590 217 20 model model NOUN consilience-4590 217 21 to to PART consilience-4590 217 22 better well ADJ consilience-4590 217 23 address address VERB consilience-4590 217 24 credit credit NOUN consilience-4590 217 25 risk risk NOUN consilience-4590 217 26 . . PUNCT consilience-4590 218 1 once once ADV consilience-4590 218 2 the the DET consilience-4590 218 3 predictive predictive ADJ consilience-4590 218 4 power power NOUN consilience-4590 218 5 of of ADP consilience-4590 218 6 the the DET consilience-4590 218 7 model model NOUN consilience-4590 218 8 has have AUX consilience-4590 218 9 been be AUX consilience-4590 218 10 confirmed confirm VERB consilience-4590 218 11 , , PUNCT consilience-4590 218 12 the the DET consilience-4590 218 13 meczop meczop PROPN consilience-4590 218 14 will will AUX consilience-4590 218 15 be be AUX consilience-4590 218 16 able able ADJ consilience-4590 218 17 to to PART consilience-4590 218 18 use use VERB consilience-4590 218 19 it it PRON consilience-4590 218 20 to to PART consilience-4590 218 21 select select VERB consilience-4590 218 22 its its PRON consilience-4590 218 23 borrowers borrower NOUN consilience-4590 218 24 more more ADV consilience-4590 218 25 judiciously judiciously ADV consilience-4590 218 26 . . PUNCT consilience-4590 219 1 to to PART consilience-4590 219 2 do do VERB consilience-4590 219 3 so so ADV consilience-4590 219 4 meczop meczop PROPN consilience-4590 219 5 would would AUX consilience-4590 219 6 have have VERB consilience-4590 219 7 to to PART consilience-4590 219 8 define define VERB consilience-4590 219 9 scoring scoring NOUN consilience-4590 219 10 thresholds threshold NOUN consilience-4590 219 11 that that PRON consilience-4590 219 12 correspond correspond VERB consilience-4590 219 13 to to ADP consilience-4590 219 14 the the DET consilience-4590 219 15 acceptance acceptance NOUN consilience-4590 219 16 , , PUNCT consilience-4590 219 17 rejection rejection NOUN consilience-4590 219 18 or or CCONJ consilience-4590 219 19 re re NOUN consilience-4590 219 20 - - NOUN consilience-4590 219 21 evaluation evaluation NOUN consilience-4590 219 22 of of ADP consilience-4590 219 23 an an DET consilience-4590 219 24 application application NOUN consilience-4590 219 25 based base VERB consilience-4590 219 26 on on ADP consilience-4590 219 27 the the DET consilience-4590 219 28 borrower borrower NOUN consilience-4590 219 29 ’s ’s PART consilience-4590 219 30 credit credit NOUN consilience-4590 219 31 score score NOUN consilience-4590 219 32 . . PUNCT consilience-4590 219 33                                                                                                                                                                                                                                                     SPACE consilience-4590 220 1 16 16 NUM consilience-4590 220 2     SPACE consilience-4590 220 3 an an DET consilience-4590 220 4 appraisal appraisal NOUN consilience-4590 220 5 of of ADP consilience-4590 220 6 the the DET consilience-4590 220 7 predictive predictive ADJ consilience-4590 220 8 power power NOUN consilience-4590 220 9 of of ADP consilience-4590 220 10 the the DET consilience-4590 220 11 model model NOUN consilience-4590 220 12 is be AUX consilience-4590 220 13 the the DET consilience-4590 220 14 area area NOUN consilience-4590 220 15 under under ADP consilience-4590 220 16 the the DET consilience-4590 220 17 roc roc PROPN consilience-4590 220 18 line line NOUN consilience-4590 220 19 which which PRON consilience-4590 220 20 varies vary VERB consilience-4590 220 21 between between ADP consilience-4590 220 22 0.5 0.5 NUM consilience-4590 220 23 and and CCONJ consilience-4590 220 24 1 1 NUM consilience-4590 220 25 . . X consilience-4590 221 1 each each DET consilience-4590 221 2 point point NOUN consilience-4590 221 3 on on ADP consilience-4590 221 4 the the DET consilience-4590 221 5 roc roc PROPN consilience-4590 221 6 plot plot NOUN consilience-4590 221 7 represents represent VERB consilience-4590 221 8 a a DET consilience-4590 221 9 sensitivity sensitivity NOUN consilience-4590 221 10 / / SYM consilience-4590 221 11 specificity specificity NOUN consilience-4590 221 12 pair pair NOUN consilience-4590 221 13 corresponding correspond VERB consilience-4590 221 14 to to ADP consilience-4590 221 15 a a DET consilience-4590 221 16 particular particular ADJ consilience-4590 221 17 decision decision NOUN consilience-4590 221 18 threshold threshold NOUN consilience-4590 221 19 . . PUNCT consilience-4590 222 1 a a DET consilience-4590 222 2 test test NOUN consilience-4590 222 3 with with ADP consilience-4590 222 4 perfect perfect ADJ consilience-4590 222 5 discrimination discrimination NOUN consilience-4590 222 6 ( ( PUNCT consilience-4590 222 7 no no DET consilience-4590 222 8 overlap overlap NOUN consilience-4590 222 9 in in ADP consilience-4590 222 10 the the DET consilience-4590 222 11 two two NUM consilience-4590 222 12 distributions distribution NOUN consilience-4590 222 13 of of ADP consilience-4590 222 14 results result NOUN consilience-4590 222 15 ) ) PUNCT consilience-4590 222 16 has have VERB consilience-4590 222 17 an an DET consilience-4590 222 18 roc roc PROPN consilience-4590 222 19 plot plot NOUN consilience-4590 222 20 that that PRON consilience-4590 222 21 passes pass VERB consilience-4590 222 22 through through ADP consilience-4590 222 23 the the DET consilience-4590 222 24 upper upper ADJ consilience-4590 222 25 left left NOUN consilience-4590 222 26 corner corner NOUN consilience-4590 222 27 , , PUNCT consilience-4590 222 28 where where SCONJ consilience-4590 222 29 the the DET consilience-4590 222 30 true true ADJ consilience-4590 222 31 - - PUNCT consilience-4590 222 32 positive positive ADJ consilience-4590 222 33 fraction fraction NOUN consilience-4590 222 34 is be AUX consilience-4590 222 35 1 1 NUM consilience-4590 222 36 ( ( PUNCT consilience-4590 222 37 perfect perfect ADJ consilience-4590 222 38 sensitivity sensitivity NOUN consilience-4590 222 39 ) ) PUNCT consilience-4590 222 40 , , PUNCT consilience-4590 222 41 and and CCONJ consilience-4590 222 42 the the DET consilience-4590 222 43 false false ADJ consilience-4590 222 44 - - PUNCT consilience-4590 222 45 positive positive ADJ consilience-4590 222 46 fraction fraction NOUN consilience-4590 222 47 is be AUX consilience-4590 222 48 0 0 NUM consilience-4590 222 49 ( ( PUNCT consilience-4590 222 50 perfect perfect ADJ consilience-4590 222 51 specificity specificity NOUN consilience-4590 222 52 ) ) PUNCT consilience-4590 222 53 . . PUNCT consilience-4590 223 1 the the DET consilience-4590 223 2 theoretical theoretical ADJ consilience-4590 223 3 plot plot NOUN consilience-4590 223 4 for for ADP consilience-4590 223 5 a a DET consilience-4590 223 6 test test NOUN consilience-4590 223 7 with with ADP consilience-4590 223 8 no no DET consilience-4590 223 9 discrimination discrimination NOUN consilience-4590 223 10 is be AUX consilience-4590 223 11 a a DET consilience-4590 223 12 45 45 NUM consilience-4590 223 13 ° ° ADJ consilience-4590 223 14 diagonal diagonal ADJ consilience-4590 223 15 line line NOUN consilience-4590 223 16 from from ADP consilience-4590 223 17 the the DET consilience-4590 223 18 lower low ADJ consilience-4590 223 19 left left ADJ consilience-4590 223 20 corner corner NOUN consilience-4590 223 21 to to ADP consilience-4590 223 22 the the DET consilience-4590 223 23 upper upper ADJ consilience-4590 223 24 right right ADJ consilience-4590 223 25 corner corner NOUN consilience-4590 223 26 . . PUNCT consilience-4590 224 1 qualitatively qualitatively ADV consilience-4590 224 2 , , PUNCT consilience-4590 224 3 the the PRON consilience-4590 224 4 closer close ADV consilience-4590 224 5 the the DET consilience-4590 224 6 plot plot NOUN consilience-4590 224 7 is be AUX consilience-4590 224 8 to to ADP consilience-4590 224 9 the the DET consilience-4590 224 10 upper upper ADJ consilience-4590 224 11 left left NOUN consilience-4590 224 12 corner corner NOUN consilience-4590 224 13 , , PUNCT consilience-4590 224 14 the the PRON consilience-4590 224 15 higher high ADJ consilience-4590 224 16 the the DET consilience-4590 224 17 overall overall ADJ consilience-4590 224 18 accuracy accuracy NOUN consilience-4590 224 19 of of ADP consilience-4590 224 20 the the DET consilience-4590 224 21 test test NOUN consilience-4590 224 22 ( ( PUNCT consilience-4590 224 23 zweig&campbell zweig&campbell INTJ consilience-4590 224 24 , , PUNCT consilience-4590 224 25 1993 1993 NUM consilience-4590 224 26 , , PUNCT consilience-4590 224 27 p.565 p.565 NOUN consilience-4590 224 28 ) ) PUNCT consilience-4590 224 29 . . PUNCT consilience-4590 225 1 consilience consilience NOUN consilience-4590 225 2 kinda kinda NOUN consilience-4590 225 3 : : PUNCT consilience-4590 225 4 credit credit NOUN consilience-4590 225 5 scoring scoring NOUN consilience-4590 225 6 model model NOUN consilience-4590 225 7 30 30 NUM consilience-4590 225 8         SPACE consilience-4590 225 9 references reference NOUN consilience-4590 225 10 armendariz armendariz ADV consilience-4590 225 11 et et PROPN consilience-4590 225 12 al al PROPN consilience-4590 225 13 . . PROPN consilience-4590 225 14 , , PUNCT consilience-4590 225 15 ( ( PUNCT consilience-4590 225 16 2008 2008 NUM consilience-4590 225 17 ) ) PUNCT consilience-4590 225 18 . . PUNCT consilience-4590 226 1 gender gender NOUN consilience-4590 226 2 empowerment empowerment NOUN consilience-4590 226 3 in in ADP consilience-4590 226 4 microfinance microfinance NOUN consilience-4590 226 5 . . PUNCT consilience-4590 227 1 june june PROPN consilience-4590 227 2 2008 2008 NUM consilience-4590 227 3 . . PUNCT consilience-4590 228 1 ausaid ausaid PROPN consilience-4590 228 2 , , PUNCT consilience-4590 228 3 ( ( PUNCT consilience-4590 228 4 2008).microfinance 2008).microfinance NOUN consilience-4590 228 5 , , PUNCT consilience-4590 228 6 gender gender NOUN consilience-4590 228 7 and and CCONJ consilience-4590 228 8 aid aid NOUN consilience-4590 228 9 effectiveness effectiveness NOUN consilience-4590 228 10 . . PUNCT consilience-4590 229 1 ausaid ausaid PROPN consilience-4590 229 2 office office PROPN consilience-4590 229 3 of of ADP consilience-4590 229 4 development development NOUN consilience-4590 229 5 . . PUNCT consilience-4590 230 1 october october PROPN consilience-4590 230 2 2008 2008 NUM consilience-4590 230 3 . . PUNCT consilience-4590 231 1 bert bert PROPN consilience-4590 231 2 et et PROPN consilience-4590 231 3 al al PROPN consilience-4590 231 4 . . PROPN consilience-4590 231 5 , , PUNCT consilience-4590 231 6 ( ( PUNCT consilience-4590 231 7 2011 2011 NUM consilience-4590 231 8 ) ) PUNCT consilience-4590 231 9 . . PUNCT consilience-4590 232 1 women woman NOUN consilience-4590 232 2 and and CCONJ consilience-4590 232 3 repayment repayment NOUN consilience-4590 232 4 in in ADP consilience-4590 232 5 microfinance microfinance NOUN consilience-4590 232 6 : : PUNCT consilience-4590 232 7 a a DET consilience-4590 232 8 global global ADJ consilience-4590 232 9 analysis analysis NOUN consilience-4590 232 10 . . PUNCT consilience-4590 233 1 world world PROPN consilience-4590 233 2 development development PROPN consilience-4590 233 3 journal journal PROPN consilience-4590 233 4 . . PUNCT consilience-4590 234 1 elsevier elsevier PROPN consilience-4590 234 2 may may AUX consilience-4590 234 3 2011 2011 NUM consilience-4590 234 4 . . PUNCT consilience-4590 235 1 caire caire VERB consilience-4590 235 2 et et PROPN consilience-4590 235 3 al al PROPN consilience-4590 235 4 . . PROPN consilience-4590 235 5 , , PUNCT consilience-4590 235 6 ( ( PUNCT consilience-4590 235 7 2006 2006 NUM consilience-4590 235 8 ) ) PUNCT consilience-4590 235 9 . . PUNCT consilience-4590 236 1 a a DET consilience-4590 236 2 handbook handbook NOUN consilience-4590 236 3 for for ADP consilience-4590 236 4 developing develop VERB consilience-4590 236 5 credit credit NOUN consilience-4590 236 6 scoring scoring NOUN consilience-4590 236 7 systems system NOUN consilience-4590 236 8 in in ADP consilience-4590 236 9 microfinance microfinance NOUN consilience-4590 236 10 context context NOUN consilience-4590 236 11 . . PUNCT consilience-4590 237 1 usaid usaid PROPN consilience-4590 237 2 , , PUNCT consilience-4590 237 3 february february PROPN consilience-4590 237 4 2006 2006 NUM consilience-4590 237 5 . . PUNCT consilience-4590 238 1 caire caire NOUN consilience-4590 238 2 , , PUNCT consilience-4590 238 3 d. d. PROPN consilience-4590 238 4 , , PUNCT consilience-4590 238 5 ( ( PUNCT consilience-4590 238 6 2004 2004 NUM consilience-4590 238 7 ) ) PUNCT consilience-4590 238 8 . . PUNCT consilience-4590 239 1 building build VERB consilience-4590 239 2 credit credit NOUN consilience-4590 239 3 scorecards scorecard NOUN consilience-4590 239 4 for for ADP consilience-4590 239 5 small small ADJ consilience-4590 239 6 business business NOUN consilience-4590 239 7 lending lending NOUN consilience-4590 239 8 in in ADP consilience-4590 239 9 developing develop VERB consilience-4590 239 10 markets market NOUN consilience-4590 239 11 , , PUNCT consilience-4590 239 12 bannock bannock NOUN consilience-4590 239 13 consulting consulting NOUN consilience-4590 239 14 , , PUNCT consilience-4590 239 15 november november PROPN consilience-4590 239 16 2004 2004 NUM consilience-4590 239 17 . . PUNCT consilience-4590 240 1 gool gool PROPN consilience-4590 240 2 , , PUNCT consilience-4590 240 3 j. j. PROPN consilience-4590 240 4 v. v. PROPN consilience-4590 240 5 et et PROPN consilience-4590 240 6 al al PROPN consilience-4590 240 7 . . PROPN consilience-4590 240 8 , , PUNCT consilience-4590 240 9 ( ( PUNCT consilience-4590 240 10 2009 2009 NUM consilience-4590 240 11 ) ) PUNCT consilience-4590 240 12 . . PUNCT consilience-4590 241 1 an an DET consilience-4590 241 2 analysis analysis NOUN consilience-4590 241 3 of of ADP consilience-4590 241 4 the the DET consilience-4590 241 5 applicability applicability NOUN consilience-4590 241 6 of of ADP consilience-4590 241 7 credit credit NOUN consilience-4590 241 8 scoring scoring NOUN consilience-4590 241 9 for for ADP consilience-4590 241 10 microfinance microfinance NOUN consilience-4590 241 11 , , PUNCT consilience-4590 241 12 university university PROPN consilience-4590 241 13 of of ADP consilience-4590 241 14 southampton southampton PROPN consilience-4590 241 15 , , PUNCT consilience-4590 241 16 may may PROPN consilience-4590 241 17 2009 2009 NUM consilience-4590 241 18 . . PUNCT consilience-4590 242 1 hurlin hurlin PROPN consilience-4590 242 2 , , PUNCT consilience-4590 242 3 c. c. PROPN consilience-4590 242 4 , , PUNCT consilience-4590 242 5 ( ( PUNCT consilience-4590 242 6 2002 2002 NUM consilience-4590 242 7 ) ) PUNCT consilience-4590 242 8 . . PUNCT consilience-4590 243 1 econométrie econométrie PROPN consilience-4590 243 2 des des PROPN consilience-4590 243 3 variables variables PROPN consilience-4590 243 4 qualitatives qualitative VERB consilience-4590 243 5 . . PUNCT consilience-4590 244 1 cours cours PROPN consilience-4590 244 2 de de PROPN consilience-4590 244 3 maîtrise maîtrise PROPN consilience-4590 244 4 d’économétrie d’économétrie PROPN consilience-4590 244 5 . . PUNCT consilience-4590 245 1 université université PROPN consilience-4590 245 2 d’orléans d’orléans PROPN consilience-4590 245 3 . . PUNCT consilience-4590 246 1 meczop meczop PROPN consilience-4590 246 2 , , PUNCT consilience-4590 246 3 ( ( PUNCT consilience-4590 246 4 2010 2010 NUM consilience-4590 246 5 ) ) PUNCT consilience-4590 246 6 . . PUNCT consilience-4590 247 1 credit credit NOUN consilience-4590 247 2 policy policy NOUN consilience-4590 247 3 paper paper NOUN consilience-4590 247 4 schreiner schreiner NOUN consilience-4590 247 5 , , PUNCT consilience-4590 247 6 m. m. NOUN consilience-4590 247 7 , , PUNCT consilience-4590 247 8 ( ( PUNCT consilience-4590 247 9 2003 2003 NUM consilience-4590 247 10 ) ) PUNCT consilience-4590 247 11 . . PUNCT consilience-4590 248 1 scoring scoring NOUN consilience-4590 248 2 : : PUNCT consilience-4590 248 3 the the DET consilience-4590 248 4 next next ADJ consilience-4590 248 5 breakthrough breakthrough NOUN consilience-4590 248 6 in in ADP consilience-4590 248 7 microcredit microcredit NOUN consilience-4590 248 8 ? ? PUNCT consilience-4590 249 1 cgap cgap PROPN consilience-4590 249 2 occasional occasional ADJ consilience-4590 249 3 paper paper NOUN consilience-4590 249 4 n n CCONJ consilience-4590 249 5 ° ° ADP consilience-4590 249 6 7 7 NUM consilience-4590 249 7 . . PUNCT consilience-4590 249 8 schreiner schreiner NOUN consilience-4590 249 9 , , PUNCT consilience-4590 249 10 m. m. NOUN consilience-4590 249 11 , , PUNCT consilience-4590 249 12 ( ( PUNCT consilience-4590 249 13 2004 2004 NUM consilience-4590 249 14 ) ) PUNCT consilience-4590 249 15 . . PUNCT consilience-4590 250 1 benefits benefit NOUN consilience-4590 250 2 and and CCONJ consilience-4590 250 3 pitfalls pitfall NOUN consilience-4590 250 4 of of ADP consilience-4590 250 5 statistical statistical ADJ consilience-4590 250 6 credit credit NOUN consilience-4590 250 7 scoring scoring NOUN consilience-4590 250 8 for for ADP consilience-4590 250 9 microfinance microfinance NOUN consilience-4590 250 10 , , PUNCT consilience-4590 250 11 center center NOUN consilience-4590 250 12 for for ADP consilience-4590 250 13 social social ADJ consilience-4590 250 14 development development NOUN consilience-4590 250 15 , , PUNCT consilience-4590 250 16 washington washington PROPN consilience-4590 250 17 university university PROPN consilience-4590 250 18 in in ADP consilience-4590 250 19 st st PROPN consilience-4590 250 20 . . PROPN consilience-4590 250 21 louis louis PROPN consilience-4590 250 22 , , PUNCT consilience-4590 250 23 usa usa PROPN consilience-4590 250 24 . . PROPN consilience-4590 250 25 sur sur PROPN consilience-4590 250 26 , , PUNCT consilience-4590 250 27 k. k. PROPN consilience-4590 250 28 , , PUNCT consilience-4590 250 29 ( ( PUNCT consilience-4590 250 30 2008 2008 NUM consilience-4590 250 31 ) ) PUNCT consilience-4590 250 32 . . PUNCT consilience-4590 251 1 credit credit NOUN consilience-4590 251 2 risk risk NOUN consilience-4590 251 3 analytics analytic NOUN consilience-4590 251 4 : : PUNCT consilience-4590 251 5 a a DET consilience-4590 251 6 cornerstone cornerstone NOUN consilience-4590 251 7 for for ADP consilience-4590 251 8 effective effective ADJ consilience-4590 251 9 risk risk NOUN consilience-4590 251 10 management management NOUN consilience-4590 251 11 , , PUNCT consilience-4590 251 12 an an DET consilience-4590 251 13 oracle oracle PROPN consilience-4590 251 14 white white PROPN consilience-4590 251 15 paper paper PROPN consilience-4590 251 16 , , PUNCT consilience-4590 251 17 oracle oracle PROPN consilience-4590 251 18 financial financial PROPN consilience-4590 251 19 services services PROPN consilience-4590 251 20 , , PUNCT consilience-4590 251 21 october october PROPN consilience-4590 251 22 2008 2008 NUM consilience-4590 251 23 . . PUNCT consilience-4590 252 1 vigano vigano PROPN consilience-4590 252 2 , , PUNCT consilience-4590 252 3 l. l. PROPN consilience-4590 252 4 , , PUNCT consilience-4590 252 5 ( ( PUNCT consilience-4590 252 6 1993 1993 NUM consilience-4590 252 7 ) ) PUNCT consilience-4590 252 8 . . PUNCT consilience-4590 253 1 a a DET consilience-4590 253 2 credit credit NOUN consilience-4590 253 3 scoring scoring NOUN consilience-4590 253 4 model model NOUN consilience-4590 253 5 for for ADP consilience-4590 253 6 development development NOUN consilience-4590 253 7 banks bank NOUN consilience-4590 253 8 : : PUNCT consilience-4590 253 9 an an DET consilience-4590 253 10 african african ADJ consilience-4590 253 11 case case NOUN consilience-4590 253 12 study study NOUN consilience-4590 253 13 . . PUNCT consilience-4590 254 1 savings saving NOUN consilience-4590 254 2 and and CCONJ consilience-4590 254 3 development development NOUN consilience-4590 254 4 . . PUNCT consilience-4590 255 1 quarterly quarterly ADJ consilience-4590 255 2 review review NOUN consilience-4590 255 3 . . PUNCT consilience-4590 256 1 vol vol NOUN consilience-4590 256 2 17.n 17.n NUM consilience-4590 256 3 ° ° PRON consilience-4590 256 4 4 4 NUM consilience-4590 256 5 . . PUNCT consilience-4590 256 6 yang yang PROPN consilience-4590 256 7 liu liu PROPN consilience-4590 256 8 , , PUNCT consilience-4590 256 9 ( ( PUNCT consilience-4590 256 10 2001 2001 NUM consilience-4590 256 11 ) ) PUNCT consilience-4590 256 12 . . PUNCT consilience-4590 257 1 new new ADJ consilience-4590 257 2 issues issue NOUN consilience-4590 257 3 in in ADP consilience-4590 257 4 credit credit NOUN consilience-4590 257 5 scoring scoring NOUN consilience-4590 257 6 application application NOUN consilience-4590 257 7 , , PUNCT consilience-4590 257 8 work work NOUN consilience-4590 257 9 report report NOUN consilience-4590 257 10 no no DET consilience-4590 257 11 16 16 NUM consilience-4590 257 12 , , PUNCT consilience-4590 257 13 institut institut PROPN consilience-4590 257 14 für für PROPN consilience-4590 257 15 wirtschaftsinformatik wirtschaftsinformatik PROPN consilience-4590 257 16 , , PUNCT consilience-4590 257 17 2001 2001 NUM consilience-4590 257 18 . . PUNCT consilience-4590 258 1 www.cgap.org www.cgap.org PROPN consilience-4590 258 2 zweig zweig PROPN consilience-4590 258 3 , , PUNCT consilience-4590 258 4 m. m. PROPN consilience-4590 258 5 h. h. PROPN consilience-4590 258 6 , , PUNCT consilience-4590 258 7 campbell campbell PROPN consilience-4590 258 8 , , PUNCT consilience-4590 258 9 g. g. PROPN consilience-4590 258 10 ( ( PUNCT consilience-4590 258 11 1993 1993 NUM consilience-4590 258 12 ) ) PUNCT consilience-4590 258 13 . . PUNCT consilience-4590 259 1 receiver receiver ADV consilience-4590 259 2 - - PUNCT consilience-4590 259 3 operating operate VERB consilience-4590 259 4 characteristic characteristic NOUN consilience-4590 259 5 ( ( PUNCT consilience-4590 259 6 roc roc PROPN consilience-4590 259 7 ) ) PUNCT consilience-4590 259 8 plots plot NOUN consilience-4590 259 9 : : PUNCT consilience-4590 259 10 a a DET consilience-4590 259 11 fundamental fundamental ADJ consilience-4590 259 12 evaluation evaluation NOUN consilience-4590 259 13 tool tool NOUN consilience-4590 259 14 in in ADP consilience-4590 259 15 clinical clinical ADJ consilience-4590 259 16 medicine medicine NOUN consilience-4590 259 17 . . PUNCT consilience-4590 260 1 clinical clinical ADJ consilience-4590 260 2 chemistry chemistry NOUN consilience-4590 260 3 39 39 NUM consilience-4590 260 4 ( ( PUNCT consilience-4590 260 5 review review NOUN consilience-4590 260 6 ) ) PUNCT consilience-4590 260 7 , , PUNCT consilience-4590 260 8 561 561 NUM consilience-4590 260 9 - - SYM consilience-4590 260 10 577 577 NUM consilience-4590 260 11 . . PUNCT consilience-4590 261 1 consilience consilience NOUN consilience-4590 261 2 kinda kinda NOUN consilience-4590 261 3 : : PUNCT consilience-4590 261 4 credit credit NOUN consilience-4590 261 5 scoring scoring NOUN consilience-4590 261 6 model model NOUN consilience-4590 261 7 31 31 NUM consilience-4590 261 8         SPACE consilience-4590 261 9 annexes annexe NOUN consilience-4590 261 10 logit logit VERB consilience-4590 261 11 regression regression NOUN consilience-4590 261 12 results result NOUN consilience-4590 261 13 logistic logistic ADJ consilience-4590 261 14 regression regression NOUN consilience-4590 261 15 number number NOUN consilience-4590 261 16 of of ADP consilience-4590 261 17 obs obs PROPN consilience-4590 261 18 = = SYM consilience-4590 261 19 30 30 NUM consilience-4590 261 20 wald wald X consilience-4590 261 21 chi2(10 chi2(10 PROPN consilience-4590 261 22 ) ) PUNCT consilience-4590 261 23 = = SYM consilience-4590 261 24 16.57 16.57 NUM consilience-4590 261 25 prob prob NOUN consilience-4590 261 26 > > X consilience-4590 261 27 chi2 chi2 PROPN consilience-4590 261 28 = = SYM consilience-4590 261 29 0.0845 0.0845 NUM consilience-4590 261 30 log log NOUN consilience-4590 261 31 pseudolikelihood pseudolikelihood NOUN consilience-4590 261 32 = = SYM consilience-4590 261 33 -8.1992591 -8.1992591 NOUN consilience-4590 261 34 pseudo pseudo NOUN consilience-4590 261 35 r2 r2 NOUN consilience-4590 261 36 = = PROPN consilience-4590 261 37 0.6057 0.6057 NUM consilience-4590 261 38 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PUNCT consilience-4590 262 1 | | ADV consilience-4590 262 2 robust robust ADJ consilience-4590 262 3 empr_retard empr_retard PROPN consilience-4590 262 4 | | PROPN consilience-4590 262 5 coef coef PROPN consilience-4590 262 6 . . PUNCT consilience-4590 263 1 std std NOUN consilience-4590 263 2 . . PUNCT consilience-4590 264 1 err err NOUN consilience-4590 264 2 . . PUNCT consilience-4590 265 1 z z NOUN consilience-4590 265 2 p>|z| p>|z| VERB consilience-4590 265 3 [ [ X consilience-4590 265 4 95 95 NUM consilience-4590 265 5 % % NOUN consilience-4590 265 6 conf conf NOUN consilience-4590 265 7 . . PUNCT consilience-4590 266 1 interval interval NOUN consilience-4590 266 2 ] ] PUNCT consilience-4590 266 3 -------------+--------------------------------------------------------------- -------------+--------------------------------------------------------------- ADJ consilience-4590 266 4 age age NOUN consilience-4590 267 1 | | ADV consilience-4590 267 2 2.443829 2.443829 NUM consilience-4590 267 3 .9512772 .9512772 NOUN consilience-4590 267 4 2.57 2.57 NUM consilience-4590 267 5 0.010 0.010 NUM consilience-4590 267 6 .5793603 .5793603 NOUN consilience-4590 268 1 4.308298 4.308298 NUM consilience-4590 268 2 age2 age2 NOUN consilience-4590 268 3 | | ADV consilience-4590 268 4 -.0255646 -.0255646 PUNCT consilience-4590 268 5 .009814 .009814 PROPN consilience-4590 268 6 -2.60 -2.60 PROPN consilience-4590 268 7 0.009 0.009 NUM consilience-4590 268 8 -.0447997 -.0447997 PUNCT consilience-4590 268 9 -.0063295 -.0063295 NOUN consilience-4590 268 10 sexe sexe NOUN consilience-4590 268 11 | | ADV consilience-4590 268 12 -2.443102 -2.443102 PUNCT consilience-4590 268 13 1.209675 1.209675 NUM consilience-4590 268 14 -2.02 -2.02 NUM consilience-4590 268 15 0.043 0.043 NUM consilience-4590 268 16 -4.81402 -4.81402 NOUN consilience-4590 268 17 -.072183 -.072183 PUNCT consilience-4590 268 18 antcd_crd antcd_crd PROPN consilience-4590 268 19 | | ADV consilience-4590 268 20 9.251004 9.251004 NUM consilience-4590 268 21 3.880015 3.880015 NUM consilience-4590 268 22 2.38 2.38 NUM consilience-4590 268 23 0.017 0.017 NUM consilience-4590 268 24 1.646315 1.646315 NUM consilience-4590 268 25 16.85569 16.85569 NUM consilience-4590 268 26 nb_credit nb_credit NOUN consilience-4590 268 27 | | ADV consilience-4590 268 28 -.3984008 -.3984008 PUNCT consilience-4590 268 29 1.853171 1.853171 NUM consilience-4590 268 30 -0.21 -0.21 NUM consilience-4590 268 31 0.830 0.830 NUM consilience-4590 268 32 -4.030548 -4.030548 NOUN consilience-4590 268 33 3.233747 3.233747 NUM consilience-4590 268 34 garantie garantie NOUN consilience-4590 268 35 | | ADV consilience-4590 268 36 -7.183442 -7.183442 VERB consilience-4590 268 37 3.178927 3.178927 NUM consilience-4590 268 38 -2.26 -2.26 NUM consilience-4590 268 39 0.024 0.024 NUM consilience-4590 268 40 -13.41402 -13.41402 PUNCT consilience-4590 268 41 -.9528599 -.9528599 PUNCT consilience-4590 268 42 exp_agt exp_agt CCONJ consilience-4590 269 1 | | ADV consilience-4590 269 2 -.3516837 -.3516837 NUM consilience-4590 269 3 .3161474 .3161474 PROPN consilience-4590 269 4 -1.11 -1.11 VERB consilience-4590 269 5 0.266 0.266 NUM consilience-4590 269 6 -.9713213 -.9713213 X consilience-4590 269 7 .2679538 .2679538 ADP consilience-4590 269 8 montant_cr montant_cr PROPN consilience-4590 270 1 ~ ~ SYM consilience-4590 270 2 t t NOUN consilience-4590 270 3 | | ADV consilience-4590 270 4 3.79e-06 3.79e-06 NUM consilience-4590 270 5 2.47e-06 2.47e-06 NUM consilience-4590 270 6 1.53 1.53 NUM consilience-4590 270 7 0.126 0.126 NUM consilience-4590 270 8 -1.06e-06 -1.06e-06 ADJ consilience-4590 270 9 8.64e-06 8.64e-06 NUM consilience-4590 270 10 fréq_remb fréq_remb NOUN consilience-4590 270 11 | | ADV consilience-4590 270 12 9.149246 9.149246 NUM consilience-4590 270 13 3.380901 3.380901 NUM consilience-4590 270 14 2.71 2.71 NUM consilience-4590 270 15 0.007 0.007 NUM consilience-4590 270 16 2.522803 2.522803 NUM consilience-4590 270 17 15.77569 15.77569 NUM consilience-4590 270 18 année_exp année_exp PROPN consilience-4590 270 19 | | ADV consilience-4590 270 20 -.1810599 -.1810599 PUNCT consilience-4590 270 21 .1125368 .1125368 PROPN consilience-4590 270 22 -1.61 -1.61 NOUN consilience-4590 270 23 0.108 0.108 NUM consilience-4590 270 24 -.4016279 -.4016279 NOUN consilience-4590 270 25 .0395081 .0395081 PUNCT consilience-4590 271 1 _ _ PUNCT consilience-4590 271 2 cons con NOUN consilience-4590 271 3 | | ADV consilience-4590 271 4 -53.52892 -53.52892 PUNCT consilience-4590 271 5 21.45769 21.45769 NUM consilience-4590 271 6 -2.49 -2.49 NUM consilience-4590 271 7 0.013 0.013 NUM consilience-4590 271 8 -95.58521 -95.58521 NUM consilience-4590 271 9 -11.47263 -11.47263 PUNCT consilience-4590 271 10 --------------------------------------------------------------------- --------------------------------------------------------------------- NOUN consilience-4590 271 11 marginal marginal ADJ consilience-4590 271 12 effects effect NOUN consilience-4590 271 13 / / SYM consilience-4590 271 14 discrete discrete ADJ consilience-4590 271 15 changes change NOUN consilience-4590 271 16 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PUNCT consilience-4590 272 1 | | ADV consilience-4590 272 2 delta delta NOUN consilience-4590 272 3 - - PUNCT consilience-4590 272 4 method method NOUN consilience-4590 272 5 | | ADV consilience-4590 272 6 dy dy PROPN consilience-4590 272 7 / / SYM consilience-4590 272 8 dx dx PROPN consilience-4590 272 9 std std PROPN consilience-4590 272 10 . . PUNCT consilience-4590 273 1 err err PROPN consilience-4590 273 2 . . PUNCT consilience-4590 274 1 z z NOUN consilience-4590 274 2 p>|z| p>|z| VERB consilience-4590 274 3 [ [ X consilience-4590 274 4 95 95 NUM consilience-4590 274 5 % % NOUN consilience-4590 274 6 conf conf NOUN consilience-4590 274 7 . . PUNCT consilience-4590 275 1 interval interval NOUN consilience-4590 275 2 ] ] PUNCT consilience-4590 275 3 -------------+--------------------------------------------------------------- -------------+--------------------------------------------------------------- ADJ consilience-4590 275 4 age age NOUN consilience-4590 276 1 | | ADV consilience-4590 276 2 .2050036 .2050036 PUNCT consilience-4590 277 1 .0259957 .0259957 NOUN consilience-4590 278 1 7.89 7.89 NUM consilience-4590 278 2 0.000 0.000 NUM consilience-4590 278 3 .1540529 .1540529 PUNCT consilience-4590 279 1 .2559542 .2559542 DET consilience-4590 279 2 age2 age2 NOUN consilience-4590 279 3 | | ADV consilience-4590 279 4 -.0021445 -.0021445 NOUN consilience-4590 279 5 .0002753 .0002753 NOUN consilience-4590 280 1 -7.79 -7.79 NUM consilience-4590 280 2 0.000 0.000 NUM consilience-4590 280 3 -.0026842 -.0026842 PUNCT consilience-4590 280 4 -.0016048 -.0016048 NOUN consilience-4590 280 5 sexe sexe NOUN consilience-4590 280 6 | | ADV consilience-4590 280 7 -.2049425 -.2049425 PUNCT consilience-4590 280 8 .1061814 .1061814 PROPN consilience-4590 280 9 -1.93 -1.93 NUM consilience-4590 280 10 0.054 0.054 NUM consilience-4590 280 11 -.4130542 -.4130542 PUNCT consilience-4590 281 1 .0031692 .0031692 PRON consilience-4590 281 2 antcd_crd antcd_crd PROPN consilience-4590 282 1 | | ADV consilience-4590 282 2 .7760315 .7760315 PROPN consilience-4590 282 3 .1436279 .1436279 PROPN consilience-4590 282 4 5.40 5.40 NUM consilience-4590 282 5 0.000 0.000 NUM consilience-4590 282 6 .494526 .494526 NOUN consilience-4590 283 1 1.057537 1.057537 NUM consilience-4590 283 2 nb_credit nb_credit NOUN consilience-4590 283 3 | | ADV consilience-4590 283 4 -.0334203 -.0334203 PUNCT consilience-4590 283 5 .1610299 .1610299 NOUN consilience-4590 284 1 -0.21 -0.21 NUM consilience-4590 284 2 0.836 0.836 NUM consilience-4590 284 3 -.3490332 -.3490332 X consilience-4590 284 4 .2821926 .2821926 PROPN consilience-4590 284 5 garantie garantie PROPN consilience-4590 284 6 | | ADV consilience-4590 284 7 -.6025916 -.6025916 PROPN consilience-4590 284 8 .1997236 .1997236 PROPN consilience-4590 285 1 -3.02 -3.02 NUM consilience-4590 285 2 0.003 0.003 NUM consilience-4590 285 3 -.9940426 -.9940426 PUNCT consilience-4590 285 4 -.2111406 -.2111406 PUNCT consilience-4590 285 5 exp_agt exp_agt INTJ consilience-4590 286 1 | | ADV consilience-4590 286 2 -.0295014 -.0295014 PUNCT consilience-4590 286 3 .0219555 .0219555 NOUN consilience-4590 286 4 -1.34 -1.34 NOUN consilience-4590 286 5 0.179 0.179 NUM consilience-4590 286 6 -.0725334 -.0725334 NOUN consilience-4590 286 7 .0135306 .0135306 NOUN consilience-4590 286 8 montant_cr montant_cr PROPN consilience-4590 286 9 ~ ~ SYM consilience-4590 286 10 t t NOUN consilience-4590 286 11 | | ADV consilience-4590 286 12 3.18e-07 3.18e-07 NUM consilience-4590 286 13 2.02e-07 2.02e-07 NUM consilience-4590 286 14 1.57 1.57 NUM consilience-4590 286 15 0.116 0.116 NUM consilience-4590 286 16 -7.88e-08 -7.88e-08 NOUN consilience-4590 286 17 7.15e-07 7.15e-07 ADJ consilience-4590 286 18 fréq_remb fréq_remb NOUN consilience-4590 286 19 | | ADV consilience-4590 286 20 .7674955 .7674955 PROPN consilience-4590 286 21 .1424011 .1424011 PROPN consilience-4590 287 1 5.39 5.39 NUM consilience-4590 287 2 0.000 0.000 NUM consilience-4590 287 3 .4883945 .4883945 PROPN consilience-4590 287 4 1.046596 1.046596 NUM consilience-4590 287 5 année_exp année_exp PROPN consilience-4590 287 6 | | ADV consilience-4590 287 7 -.0151884 -.0151884 PUNCT consilience-4590 287 8 .0064859 .0064859 PUNCT consilience-4590 287 9 -2.34 -2.34 NUM consilience-4590 287 10 0.019 0.019 NUM consilience-4590 287 11 -.0279005 -.0279005 PUNCT consilience-4590 287 12 -.0024763 -.0024763 PUNCT consilience-4590 287 13 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PUNCT consilience-4590 287 14 classification classification NOUN consilience-4590 287 15 table table NOUN consilience-4590 287 16 for for ADP consilience-4590 287 17 late late ADJ consilience-4590 287 18 in in ADP consilience-4590 287 19 reimbursement reimbursement NOUN consilience-4590 287 20 -------true -------true VERB consilience-4590 287 21 ------- ------- PUNCT consilience-4590 287 22 classified classify VERB consilience-4590 288 1 | | ADV consilience-4590 288 2 d d ADP consilience-4590 288 3 ~d ~d NUM consilience-4590 288 4 | | ADV consilience-4590 288 5 total total ADJ consilience-4590 288 6 -----------+--------------------------+---------- -----------+--------------------------+---------- PUNCT consilience-4590 289 1 + + CCONJ consilience-4590 289 2 | | ADV consilience-4590 289 3 13 13 NUM consilience-4590 289 4 1 1 NUM consilience-4590 289 5 | | ADV consilience-4590 289 6 14 14 NUM consilience-4590 290 1 | | NOUN consilience-4590 290 2 2 2 NUM consilience-4590 290 3 14 14 NUM consilience-4590 290 4 | | ADV consilience-4590 290 5 16 16 NUM consilience-4590 290 6 -----------+--------------------------+---------- -----------+--------------------------+---------- PUNCT consilience-4590 290 7 total total NOUN consilience-4590 291 1 | | ADV consilience-4590 291 2 15 15 NUM consilience-4590 291 3 15 15 NUM consilience-4590 291 4 | | ADV consilience-4590 291 5 30 30 NUM consilience-4590 291 6 classified classified ADJ consilience-4590 291 7 + + CCONJ consilience-4590 291 8 if if SCONJ consilience-4590 291 9 predicted predict VERB consilience-4590 291 10 pr(d pr(d NOUN consilience-4590 291 11 ) ) PUNCT consilience-4590 291 12 > > PUNCT consilience-4590 291 13 = = PUNCT consilience-4590 292 1 .5 .5 NUM consilience-4590 292 2 true true ADJ consilience-4590 292 3 d d X consilience-4590 292 4 defined define VERB consilience-4590 292 5 as as ADP consilience-4590 292 6 empr_retard empr_retard PROPN consilience-4590 292 7 ! ! PUNCT consilience-4590 293 1 = = PUNCT consilience-4590 293 2 0 0 PUNCT consilience-4590 294 1 ------------------------------------------------- ------------------------------------------------- PUNCT consilience-4590 294 2 sensitivity sensitivity NOUN consilience-4590 294 3 pr pr NOUN consilience-4590 294 4 ( ( PUNCT consilience-4590 294 5 + + ADP consilience-4590 294 6 | | NOUN consilience-4590 294 7 d d NOUN consilience-4590 294 8 ) ) PUNCT consilience-4590 294 9 86.67 86.67 NUM consilience-4590 294 10 % % NOUN consilience-4590 294 11 specificity specificity NOUN consilience-4590 294 12 pr pr NOUN consilience-4590 294 13 ( ( PUNCT consilience-4590 294 14 -|~d -|~d PROPN consilience-4590 294 15 ) ) PUNCT consilience-4590 294 16 93.33 93.33 NUM consilience-4590 294 17 % % NOUN consilience-4590 294 18 positive positive ADJ consilience-4590 294 19 predictive predictive ADJ consilience-4590 294 20 value value NOUN consilience-4590 294 21 pr pr NOUN consilience-4590 294 22 ( ( PUNCT consilience-4590 294 23 d| d| PROPN consilience-4590 294 24 + + NOUN consilience-4590 294 25 ) ) PUNCT consilience-4590 294 26 92.86 92.86 NUM consilience-4590 294 27 % % NOUN consilience-4590 294 28 negative negative ADJ consilience-4590 294 29 predictive predictive ADJ consilience-4590 294 30 value value NOUN consilience-4590 294 31 pr(~d| pr(~d| NOUN consilience-4590 294 32 - - PUNCT consilience-4590 294 33 ) ) PUNCT consilience-4590 294 34 87.50 87.50 NUM consilience-4590 294 35 % % NOUN consilience-4590 294 36 ------------------------------------------------- ------------------------------------------------- PUNCT consilience-4590 294 37 false false ADJ consilience-4590 294 38 + + NUM consilience-4590 294 39 rate rate NOUN consilience-4590 294 40 for for ADP consilience-4590 294 41 true true ADJ consilience-4590 294 42 ~d ~d PUNCT consilience-4590 294 43 pr pr NOUN consilience-4590 294 44 ( ( PUNCT consilience-4590 294 45 + + NOUN consilience-4590 294 46 |~d |~d NUM consilience-4590 294 47 ) ) PUNCT consilience-4590 294 48 6.67 6.67 NUM consilience-4590 294 49 % % NOUN consilience-4590 294 50 false false ADJ consilience-4590 294 51 rate rate NOUN consilience-4590 294 52 for for ADP consilience-4590 294 53 true true ADJ consilience-4590 294 54 d d NOUN consilience-4590 294 55 pr pr NOUN consilience-4590 294 56 ( ( PUNCT consilience-4590 294 57 -| -| PROPN consilience-4590 294 58 d d PROPN consilience-4590 294 59 ) ) PUNCT consilience-4590 294 60 13.33 13.33 NUM consilience-4590 294 61 % % NOUN consilience-4590 294 62 false false ADJ consilience-4590 294 63 + + NUM consilience-4590 294 64 rate rate NOUN consilience-4590 294 65 for for ADP consilience-4590 294 66 classified classified ADJ consilience-4590 294 67 + + CCONJ consilience-4590 294 68 pr(~d| pr(~d| PROPN consilience-4590 294 69 + + NOUN consilience-4590 294 70 ) ) PUNCT consilience-4590 294 71 7.14 7.14 NUM consilience-4590 294 72 % % NOUN consilience-4590 294 73 false false ADJ consilience-4590 294 74 rate rate NOUN consilience-4590 294 75 for for ADP consilience-4590 294 76 classified classified ADJ consilience-4590 294 77 pr pr NOUN consilience-4590 294 78 ( ( PUNCT consilience-4590 294 79 d| d| PROPN consilience-4590 294 80 - - PUNCT consilience-4590 294 81 ) ) PUNCT consilience-4590 294 82 12.50 12.50 NUM consilience-4590 294 83 % % NOUN consilience-4590 294 84 ------------------------------------------------- ------------------------------------------------- PUNCT consilience-4590 294 85 correctly correctly ADV consilience-4590 294 86 classified classified ADJ consilience-4590 294 87 90.00 90.00 NUM consilience-4590 294 88 % % NOUN