MSUIR Collection:https://cris.library.msu.ac.zw//handle/11408/3302024-03-28T22:50:38Z2024-03-28T22:50:38ZPredicting and managing Credit risks using RIDGE and Logistic LASSO regressionLeonard Mushunjehttps://cris.library.msu.ac.zw//handle/11408/55332023-04-06T12:15:05Z2021-04-22T00:00:00ZTitle: Predicting and managing Credit risks using RIDGE and Logistic LASSO regression
Authors: Leonard Mushunje
Abstract: When borrowers default or fail to repay the lenders (banks), default–linked risks-so called credit risks do emerge. Such risks are critical to several agents like creditors, borrowing firms, and governments alike. As such, financial engineers have been putting in place some scientific approaches to develop empirical models for predicting and modelling credit risks including default probability calculations. This paper however presents another way of predicting default and credit risks for effective credit risks management. The logistic lasso and ridge regression were employed. These methods are very good at dealing well with multi-collinearity and over-fitting by providing a basis for best properties that minimize instability on numerically manipulated data. This makes our results viable and valid. Using the borrowers’ pool and cohort datasets for 10 active banks in South Africa we applied our models to detect potential defaulters and to make some predictions for effective credit risks control. From the noted results, both logistic and ridge regressions are efficient ways of detecting potential defaulters and credit risks management than the widely used general logistic regressions as indicated by the minimum obtained prediction errors.
Description: Preprint2021-04-22T00:00:00ZLeonard MushunjeRisk factors associated with a high incidence of sexually transmitted infections in Beitbridge, ZimbabweAnelle SizibaWilfred Njabulo NunuNicholas MudonhiVuyelwa NdlovuOfhani MunyaiBrighton NdlovuEdmond SanganyadoWilfred Nunuhttps://cris.library.msu.ac.zw//handle/11408/53032022-12-16T11:20:15Z2022-07-28T00:00:00ZTitle: Risk factors associated with a high incidence of sexually transmitted infections in Beitbridge, Zimbabwe
Authors: Anelle Siziba; Wilfred Njabulo Nunu; Nicholas Mudonhi; Vuyelwa Ndlovu; Ofhani Munyai; Brighton Ndlovu; Edmond Sanganyado; Wilfred Nunu
Abstract: Background: Sexually transmitted infections are a major public health challenge, particularly in developing countries where the health infrastructure is often poor. Despite having a number of interventions in Beitbridge (such as the 24-hour wellness centre), Zimbabwe, the incidence and prevalence of sexually transmitted infections is increasing. This study, therefore, aims to assess the risk factors associated with the high incidence of STIs in urban Beitbridge. Methods: A case-control study was conducted on 30 respondents who had suffered from sexually transmitted infections (selected from the registers at Beitbridge hospital and followed up) and 90 respondents who had not suffered from sexually transmitted infections (from the community) who resided in Beitbridge for at least six months and this excluded all those that were in transit. Factors contributing to high Sexually Transmitted Infection incidence were identified using a pretested interviewer-administered semi-structured questionnaire in conjunction with a Likert scale to establish the attitudes and risk behaviours of the respondents on Sexually Transmitted Infections. Results: A significant association was observed between high STI incidences and nature of occupation (OR 3.8), area of residence (OR 2.78), number of sexual partners (OR 7.56), payment demanded for sex (OR 22), condom use (OR 3.7), alcohol use (OR 2.86), and suspicion that partners had other sexual companions (OR 15.5). Furthermore, a larger proportion of controls were knowledgeable on Sexually Transmitted Infections as compared to the cases who participated in the study. Conclusion: There is a need to develop awareness strategies that foster safe sexual practices, particularly among populations that do not choose abstinence or a single sexual partner lifestyle.2022-07-28T00:00:00ZAnelle SizibaWilfred Njabulo NunuNicholas MudonhiVuyelwa NdlovuOfhani MunyaiBrighton NdlovuEdmond SanganyadoWilfred NunuDistribution and Pattern of an Insurance Health Claim System: A Time Series ApproachMashasha, MaxwellMutize, PraiseMazunga, Felixhttps://cris.library.msu.ac.zw//handle/11408/50832022-08-05T10:02:37Z2022-03-01T00:00:00ZTitle: Distribution and Pattern of an Insurance Health Claim System: A Time Series Approach
Authors: Mashasha, Maxwell; Mutize, Praise; Mazunga, Felix
Abstract: There is a continuous increase in health costs, thereby increasing pressure on individuals and
consequently making the amounts claimed by the insured to be on the increase. In this study,
data was collected from a large local insurance company in Zimbabwe for the period from
January 2012 to December 2016. The aim of this study was to analyse the distribution and
future pattern of insurance health claim system using time series approach. Akaike information
criterion and Schwarz Bayesian criterion were used to select the adequate model through
maximum likelihood estimation methods. ARIMA (0, 0, 0) (1, 0, 1) [12] is the model that was
chosen to forecast claim amounts. The use of ARIMA models proves to be an excellent
instrument for predicting and capturing the cost trend of health claims which can help in
decision making to insurance companies2022-03-01T00:00:00ZMashasha, MaxwellMutize, PraiseMazunga, FelixExploring the application of immunotherapy against HIV infection in the setting of malignancy: A detailed review articleMakuku, RangariraiSeyedmirzaei, HomaTantuoyir, Marcarious MRodríguez-Román, EduardoAlbahash, AssilMohamed, KawtharMoyo, ErnestAhmed, Abdulrazaq OlamilekanRazi, SepidehRezaei, Nimahttps://cris.library.msu.ac.zw//handle/11408/50272022-08-02T17:58:24Z2022-02-01T00:00:00ZTitle: Exploring the application of immunotherapy against HIV infection in the setting of malignancy: A detailed review article
Authors: Makuku, Rangarirai; Seyedmirzaei, Homa; Tantuoyir, Marcarious M; Rodríguez-Román, Eduardo; Albahash, Assil; Mohamed, Kawthar; Moyo, Ernest; Ahmed, Abdulrazaq Olamilekan; Razi, Sepideh; Rezaei, Nima
Abstract: According to the Joint United Nations Programme on HIV/AIDS (UNAIDS), as of 2019, approximately 42.2
million people have died from acquired immunodeficiency syndrome (AIDS)-related illnesses since the start of
the epidemic. Antiretroviral therapy (ART) has significantly reduced mortality, morbidity, and incidence of the
human immunodeficiency virus (HIV)/AIDS-defining cancers, taming once-dreaded disease into a benign chronic
infection. Although the treatment has prolonged the patients’ survival, general HIV prevalence has increased and
this increase has dovetailed with an increasing incidence of Non-AIDS-defining cancers (NADCs) among people
living with HIV (PLWH). This is happening when new promising approaches in both oncology and HIV infection
are being developed. This review focuses on recent progress witnessed in immunotherapy approaches against
HIV-related, Non-AIDS-defining cancers (NADCs), and HIV infection2022-02-01T00:00:00ZMakuku, RangariraiSeyedmirzaei, HomaTantuoyir, Marcarious MRodríguez-Román, EduardoAlbahash, AssilMohamed, KawtharMoyo, ErnestAhmed, Abdulrazaq OlamilekanRazi, SepidehRezaei, Nima