Dr. Rushina Khan, Dr G Madhumita, K. Santhanalakshmi
This study considers the impact of big data analytic by a Resource-based view (RBV) framework on strategic HR Quality Management System (HR QMS). The study employed a mixed-method strategy to gather data of employees' performance metrics (quantitative) as well as HR professionals’ viewpoints (qualitative) through data analysis. Four machine learning algorithms, for instance Decision Trees, Random Forest, K-Means Clustering and Linear Regression were employed for the purpose of predicting and optimizing Human Resource outcomes. Study indicated the effectiveness of these algorithms in improving organizational productivity where Random Forest reached 89% correctness in predicting employee turnover and Linear Regression demonstrated a positive correlation (R-squared = 0.75) between the training hour and performance rating. Through a comparison with existing literature, the newness and relevance of the clinical data are stressed, going beyond well-known trends and into a cutting-edge analytical applications of big data analytics. The study symbolizes how big data analysis is capable of revolutionizing practices by emphasizing innovation, improving efficiencies, and learning decision making in the field of HR management.
{"title":"A Resource-based view Assessment of Big Data Analysis and its Impact on Strategic Human Resources Quality Management Systems","authors":"Dr. Rushina Khan, Dr G Madhumita, K. Santhanalakshmi","doi":"10.52783/jier.v4i2.847","DOIUrl":"https://doi.org/10.52783/jier.v4i2.847","url":null,"abstract":"This study considers the impact of big data analytic by a Resource-based view (RBV) framework on strategic HR Quality Management System (HR QMS). The study employed a mixed-method strategy to gather data of employees' performance metrics (quantitative) as well as HR professionals’ viewpoints (qualitative) through data analysis. Four machine learning algorithms, for instance Decision Trees, Random Forest, K-Means Clustering and Linear Regression were employed for the purpose of predicting and optimizing Human Resource outcomes. Study indicated the effectiveness of these algorithms in improving organizational productivity where Random Forest reached 89% correctness in predicting employee turnover and Linear Regression demonstrated a positive correlation (R-squared = 0.75) between the training hour and performance rating. Through a comparison with existing literature, the newness and relevance of the clinical data are stressed, going beyond well-known trends and into a cutting-edge analytical applications of big data analytics. The study symbolizes how big data analysis is capable of revolutionizing practices by emphasizing innovation, improving efficiencies, and learning decision making in the field of HR management.","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141052834","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Prashant S. Acharya, Dr. Tripti Sahu, Pranav Dixit
The integration of AI into user interfaces (UIs) has propelled technological advancements, enabling personalized experiences and improved efficiency. However, the ethical implications of AI-driven UIs cannot be overlooked. This research paper will analyze the ethical considerations regarding- transparency, accountability, fairness, privacy, and user consent. By exploring potential risks and challenges, we can advocate for the implementation of ethical design principles, regulatory frameworks, and user education initiatives. Through case studies and future directions, this paper highlights the importance of responsible and ethical AI UI development. The following questions and topics will be covered in this research paper- What is AI? Current capabilities and future scope of AI in User interfaces Where is AI being currently used? Concerns, Risks regarding AI Potential solutions, Creating Ethical principles How can AI be used ethically in UI design? Real-life examples
{"title":"Ethical Considerations in AI-Driven User Interfaces","authors":"Prashant S. Acharya, Dr. Tripti Sahu, Pranav Dixit","doi":"10.52783/jier.v4i1.643","DOIUrl":"https://doi.org/10.52783/jier.v4i1.643","url":null,"abstract":"The integration of AI into user interfaces (UIs) has propelled technological advancements, enabling personalized experiences and improved efficiency. However, the ethical implications of AI-driven UIs cannot be overlooked. This research paper will analyze the ethical considerations regarding- transparency, accountability, fairness, privacy, and user consent. By exploring potential risks and challenges, we can advocate for the implementation of ethical design principles, regulatory frameworks, and user education initiatives. Through case studies and future directions, this paper highlights the importance of responsible and ethical AI UI development. \u0000The following questions and topics will be covered in this research paper- \u0000 \u0000What is AI? \u0000Current capabilities and future scope of AI in User interfaces \u0000Where is AI being currently used? \u0000Concerns, Risks regarding AI \u0000Potential solutions, Creating Ethical principles \u0000How can AI be used ethically in UI design? \u0000Real-life examples \u0000","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140077660","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Purpose The objective of this research study is to find out Impact of financial literacy in promoting financial investments among college students. Design/methodology/approach: The study approaches Qualitative research using descriptive research method. Findings: The most influencing variables on the investment planning are financial knowledge, financial risk perception, Cost of investment Practical implications – The practical implications are about giving information about the financial curriculum framing for the college students which might have impact on financial investments Originality/value: After initiating primary data collection using questionnaire with measuring and ranking scales the variables such as financial knowledge, risk perception, cost of investment was found out. Paper type: Empirical Research Paper
{"title":"Financial Literacy in Promoting Financial Investment Planning: A College Level Study","authors":"DR. A R. Nithya, Ms. Ragini, Ms. Preetha","doi":"10.52783/jier.v4i1.632","DOIUrl":"https://doi.org/10.52783/jier.v4i1.632","url":null,"abstract":"Purpose \u0000The objective of this research study is to find out Impact of financial literacy in promoting financial investments among college students. \u0000Design/methodology/approach: \u0000The study approaches Qualitative research using descriptive research method. \u0000Findings: \u0000The most influencing variables on the investment planning are financial knowledge, financial risk perception, Cost of investment \u0000Practical implications \u0000– The practical implications are about giving information about the financial curriculum framing for the college students which might have impact on financial investments \u0000Originality/value: After initiating primary data collection using questionnaire with measuring and ranking scales the variables such as financial knowledge, risk perception, cost of investment was found out. \u0000Paper type: Empirical Research Paper \u0000 ","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140077336","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Dr. Anand Muley, Rekha Bawa, Parul Verma, Dr. S. M. Uvaneswaran
Comparing financial technology businesses during the fourth industrial age to their counterparts, this study investigates the effects of these companies adhering to effective manufacturing practices. The objective is to offer actual proof of the operational effectiveness of FinTech companies and how business efficiency affects market performance. FinTech has to pass through different business models to attain the maturity as a successful pure player actor. This demonstrates that FinTech innovations improve banks' performance using several panel data estimators, including panel-corrected standard errors for linear regression, fixed effects, and random effects. Furthermore, it also show that the proportion of capital that is adequate, earnings capacity, total assets, and yearly GDP growth rate of banks also have a noteworthy beneficial influence on bank performance. By using a balanced scorecard to examine financial points of view, customer perspectives, business internal perspectives, education and growth perspectives, and competitive advantage in services growth and development, monetary advantage, and economic inclusion when implementing FinTech, this study seeks to understand the impact of these factors on banks' performance. A sample of 259 respondents was collected from people working in banking sector. The variables that identify the role of Fintech adoption on banking sector efficiency are Financial Inclusion, Data Analytics and Insights, Cost Reduction, and Improved Customer Experience.
本研究将第四次工业时代的金融科技企业与同类企业进行比较，调查这些企业坚持有效生产实践的效果。目的是提供金融科技公司运营效率的实际证据，以及业务效率如何影响市场表现。金融科技公司必须通过不同的商业模式才能成熟，成为成功的纯粹参与者。本研究使用了多种面板数据估计方法，包括线性回归的面板校正标准误差、固定效应和随机效应，证明金融科技创新提高了银行的业绩。 此外，研究还表明，银行资本充足率、盈利能力、总资产和 GDP 年增长率对银行绩效也有显著的有利影响。本研究通过平衡计分卡来考察金融视角、客户视角、业务内部视角、教育与成长视角，以及在实施金融科技时的服务增长与发展竞争优势、货币优势和经济包容性，从而了解这些因素对银行绩效的影响。本研究从银行业从业人员中收集了 259 个受访样本。确定采用金融科技对银行业效率的作用的变量包括金融包容性、数据分析和洞察力、降低成本和改善客户体验。
{"title":"Role Of Fintech Adoption on Banking Sector Efficiency: A Survey Based Research Approach","authors":"Dr. Anand Muley, Rekha Bawa, Parul Verma, Dr. S. M. Uvaneswaran","doi":"10.52783/jier.v4i1.636","DOIUrl":"https://doi.org/10.52783/jier.v4i1.636","url":null,"abstract":"Comparing financial technology businesses during the fourth industrial age to their counterparts, this study investigates the effects of these companies adhering to effective manufacturing practices. The objective is to offer actual proof of the operational effectiveness of FinTech companies and how business efficiency affects market performance. FinTech has to pass through different business models to attain the maturity as a successful pure player actor. This demonstrates that FinTech innovations improve banks' performance using several panel data estimators, including panel-corrected standard errors for linear regression, fixed effects, and random effects. Furthermore, it also show that the proportion of capital that is adequate, earnings capacity, total assets, and yearly GDP growth rate of banks also have a noteworthy beneficial influence on bank performance. By using a balanced scorecard to examine financial points of view, customer perspectives, business internal perspectives, education and growth perspectives, and competitive advantage in services growth and development, monetary advantage, and economic inclusion when implementing FinTech, this study seeks to understand the impact of these factors on banks' performance. A sample of 259 respondents was collected from people working in banking sector. The variables that identify the role of Fintech adoption on banking sector efficiency are Financial Inclusion, Data Analytics and Insights, Cost Reduction, and Improved Customer Experience.","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140077251","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
PWDs in India is more than merely a group of oppressed people who are also essential assets for innovation and sustainability. This paper examines how business and society can benefit from PwD perspectives, accessibility knowledge, flexibility, and market opportunities. Another issue that is discussed in this paper involves the challenges and barriers to participation in innovation for people with disabilities like attitudinal barriers, accessibility, and skills development. In conclusion, the paper offers some perspectives and suggestions that might be useful for firms and policymakers wishing to exploit this under-tapped resource. The Sustainable Development Goals (SDGs) make individuals with disabilities (PwD) both beneficiaries and agents of change. Besides, PwD have the potential to drive innovations toward an inclusion-oriented and green society.
{"title":"Innovation and Inclusion: The role of persons with disabilities in sustainable development in India","authors":"Dilpreet Singh Guleria, Preeti Malhotra, Dilpreet Singh Guleria","doi":"10.52783/jier.v4i1.645","DOIUrl":"https://doi.org/10.52783/jier.v4i1.645","url":null,"abstract":"PWDs in India is more than merely a group of oppressed people who are also essential assets for innovation and sustainability. This paper examines how business and society can benefit from PwD perspectives, accessibility knowledge, flexibility, and market opportunities. Another issue that is discussed in this paper involves the challenges and barriers to participation in innovation for people with disabilities like attitudinal barriers, accessibility, and skills development. In conclusion, the paper offers some perspectives and suggestions that might be useful for firms and policymakers wishing to exploit this under-tapped resource. The Sustainable Development Goals (SDGs) make individuals with disabilities (PwD) both beneficiaries and agents of change. Besides, PwD have the potential to drive innovations toward an inclusion-oriented and green society. \u0000 ","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140078049","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
In the contemporary era, the rapid evolution of technology has ushered in a paradigm shift in the way individuals manage their financial transactions. Among the myriad advancements, the adoption of mobile banking applications stands out as a transformative force, redefining the landscape of banking services. The present study tried to study the awareness of mobile banking services of banking applications and to ascertain the factors influencing consumer behavior adoption of Mobile. Further study carried out to study the association among demographic variables regarding factors studied for consumer behaviour adoption of mobile. In conclusion, the analysis of customers' preferences underscores a moderate response to the mobile banking application. While the current features of the application are satisfactory, customers express a desire for additional features akin to those found in alternative mobile banking applications such as SBI and HDFC. The prevailing perception among customers is that the application offered by Kotak Mahindra Bank is characterized by basic and uncomplicated features. Despite this, customer satisfaction with the Mobile Banking Application remains notably high, attributed to an extensive array of features and services. This observation accentuates the importance of ongoing efforts to enhance the mobile banking application in alignment with evolving customer expectations and industry standards.
{"title":"Factors Influencing Adoption of E-Banking Services in Selected Areas of Gujarat","authors":"Dr. Nandish Upadhyay, Dr. Sanjay Joshi","doi":"10.52783/jier.v4i1.622","DOIUrl":"https://doi.org/10.52783/jier.v4i1.622","url":null,"abstract":"In the contemporary era, the rapid evolution of technology has ushered in a paradigm shift in the way individuals manage their financial transactions. Among the myriad advancements, the adoption of mobile banking applications stands out as a transformative force, redefining the landscape of banking services. The present study tried to study the awareness of mobile banking services of banking applications and to ascertain the factors influencing consumer behavior adoption of Mobile. Further study carried out to study the association among demographic variables regarding factors studied for consumer behaviour adoption of mobile. In conclusion, the analysis of customers' preferences underscores a moderate response to the mobile banking application. While the current features of the application are satisfactory, customers express a desire for additional features akin to those found in alternative mobile banking applications such as SBI and HDFC. The prevailing perception among customers is that the application offered by Kotak Mahindra Bank is characterized by basic and uncomplicated features. Despite this, customer satisfaction with the Mobile Banking Application remains notably high, attributed to an extensive array of features and services. This observation accentuates the importance of ongoing efforts to enhance the mobile banking application in alignment with evolving customer expectations and industry standards. \u0000 ","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140084553","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Since backward and rural employment and village development are essential to India's growth, the MGNREGA actively promotes backward and rural development by hiring unskilled labor. The MGNREGA helps BPL families by filling in the gaps in inflation and giving them seasonal work during dry spells. MGNREGS offers beneficiaries a chance to advance their socioeconomic status. Objectives of the present study: To study the impact t of no of years, no of days and daily wages received of beneficiaries on economic, social and living status of beneficiaries. Methodology: the study is depending on primary data source and data is collected with the help of structured schedule. For the study sample size is 364 respondents. The methods used in this research is regression model with help of SPSS. Findings: The result of the study are about 53% of the living status of the beneficiaries is impacted by the daily wages received the impact is also statistical significant and about 70% of the social status of the beneficiaries is impacted by the daily wages received, Suggestions: It is suggested that the wage rates under the MGNREGS need to be revised periodically to improve the living status of the beneficiaries.
{"title":"“The Impact of Participation in The MGNREGS On Beneficiaries-A Study in Select Districts of Telangana”","authors":"Dr. D. Gnyaneswer, J. Lavanya, K. Naveen Kumar","doi":"10.52783/jier.v4i1.620","DOIUrl":"https://doi.org/10.52783/jier.v4i1.620","url":null,"abstract":"Since backward and rural employment and village development are essential to India's growth, the MGNREGA actively promotes backward and rural development by hiring unskilled labor. The MGNREGA helps BPL families by filling in the gaps in inflation and giving them seasonal work during dry spells. MGNREGS offers beneficiaries a chance to advance their socioeconomic status. \u0000Objectives of the present study: To study the impact t of no of years, no of days and daily wages received of beneficiaries on economic, social and living status of beneficiaries. \u0000Methodology: the study is depending on primary data source and data is collected with the help of structured schedule. For the study sample size is 364 respondents. The methods used in this research is regression model with help of SPSS. Findings: The result of the study are about 53% of the living status of the beneficiaries is impacted by the daily wages received the impact is also statistical significant and about 70% of the social status of the beneficiaries is impacted by the daily wages received, \u0000Suggestions: It is suggested that the wage rates under the MGNREGS need to be revised periodically to improve the living status of the beneficiaries.","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140085446","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
People are faced with an oversupply of almost ever type of good. Due to the large number of options, it has become very important for service providers to understand, how customers act when they book leisure activities online. As far as the researcher knows, no one has looked into how having too many options affects people's decisions when they book leisure activities online before. This study looks at the difference between leisure activities done at home and while on holiday, taking into account the issue of choice overload when booking leisure activities online. There is a plan to use an integrated research approach that utilizes cognitive dissonance as well as spillover theories to testhypotheses. This study employed Gen Y (17-37 years) who have visited Goa in the last six months. The study's conclusions have consequences for both tourism-related businesses and consumers, guiding how they act, their emotions, judgments, and behaviors toward evaluating the alternatives.
几乎所有类型的商品都供不应求。由于有大量的选择，对于服务提供商来说，了解顾客在网上预订休闲活动时的行为变得非常重要。据研究人员所知，以前还没有人研究过，当人们在网上预订休闲活动时，过多的选择会如何影响他们的决策。本研究考虑到网上预订休闲活动时选择过多的问题，研究了在家和度假时休闲活动的不同。计划采用综合研究方法，利用认知失调和溢出理论来检验假设。本研究的对象是在过去六个月中去过果阿的 Y 世代（17-37 岁）。研究结论将对旅游相关企业和消费者产生影响，指导他们如何行动，如何对替代品进行情感、判断和行为评估。
{"title":"Understanding the role of Leisure Involvement and Choice Complexity on Choice overload in booking of leisure activities online among Young Consumers","authors":"Aditi Saurav, Priyanka Sahoo, Rakesh Gandla, Lalith Kumar Vemali, Mechri Saravanan Pallavi, Vihang Golla","doi":"10.52783/jier.v4i1.621","DOIUrl":"https://doi.org/10.52783/jier.v4i1.621","url":null,"abstract":"People are faced with an oversupply of almost ever type of good. Due to the large number of options, it has become very important for service providers to understand, how customers act when they book leisure activities online. As far as the researcher knows, no one has looked into how having too many options affects people's decisions when they book leisure activities online before. This study looks at the difference between leisure activities done at home and while on holiday, taking into account the issue of choice overload when booking leisure activities online. There is a plan to use an integrated research approach that utilizes cognitive dissonance as well as spillover theories to testhypotheses. This study employed Gen Y (17-37 years) who have visited Goa in the last six months. The study's conclusions have consequences for both tourism-related businesses and consumers, guiding how they act, their emotions, judgments, and behaviors toward evaluating the alternatives. ","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140092070","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
To protect community health in the face of the recent spread of COVID-19 epidemic, the world has shifted towards online education. Academics must handle the difficulties presented by the switch from conventional to online learning to preserve the learning process and guarantee that all learning goals are met. One of the key components of engineering education that is significantly impacted using online learning is practical experience. Due to the university's closing and the need for social distance in covid era, students were not able to access physical laboratories. In the present post-covid times, with the rising interest in online courses for skill enhancement and personal growth, institutions and ed-tech companies offering practical courses are finding it difficult to impart programming subjects to students. Another equally important aspect is the choice of right assessment technique for assessing the skill set acquired during the course. This paper proposes a model for conducting lab sessions for practical courses of computer programming, and assessment structure through which coding efficiency of a student can be judged.
{"title":"A Model for Teaching and Evaluation of Programming Courses in Online mode","authors":"Devesh Lowe, Bhavna Galhotra","doi":"10.52783/jier.v4i1.623","DOIUrl":"https://doi.org/10.52783/jier.v4i1.623","url":null,"abstract":"To protect community health in the face of the recent spread of COVID-19 epidemic, the world has shifted towards online education. Academics must handle the difficulties presented by the switch from conventional to online learning to preserve the learning process and guarantee that all learning goals are met. One of the key components of engineering education that is significantly impacted using online learning is practical experience. Due to the university's closing and the need for social distance in covid era, students were not able to access physical laboratories. In the present post-covid times, with the rising interest in online courses for skill enhancement and personal growth, institutions and ed-tech companies offering practical courses are finding it difficult to impart programming subjects to students. Another equally important aspect is the choice of right assessment technique for assessing the skill set acquired during the course. This paper proposes a model for conducting lab sessions for practical courses of computer programming, and assessment structure through which coding efficiency of a student can be judged.","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140091884","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Dr. Rojalin Pani, Dr. M. Rajendaran, Rishabh Kumar, Nidhi Mishra, Dr. K. Suresh Kumar, Prof (Dr) Sumeet Gupta
Sustaining and expanding the finances of small and midsize companies (SMBs) depends on efficient credit risk management. This study redefines credit risk assessment for SMBs via the use of machine learning (ML), hence introducing a disruptive methodology. The all-inclusive approach includes feature selection, preprocessing, data collecting, and the use of ML models, with an emphasis on behavioral insights integration and real-world applicability. The results imply that Random Forests and other machine learning models are superior at predicting credit risk, which may lead to a sea shift in the way SMBs handle credit risk. Improving the research's practical implications involves applying models to actual credit risk management systems and incorporating insights from behavioral economics. Possible future research directions include studying how models adapt dynamically, using different types of data, enhancing explain ability via XAI, and fostering collaborative efforts to develop industry-specific best practices. By outlining the ins and outs of credit sales, this research helps small and medium-sized companies (SMBs) adjust and remain resilient in the face of changing market conditions.
中小型企业（SMBs）能否维持和扩大融资取决于高效的信用风险管理。本研究通过使用机器学习（ML）重新定义了中小型企业的信用风险评估，从而引入了一种颠覆性的方法。该方法包罗万象，包括特征选择、预处理、数据收集和使用 ML 模型，重点是行为洞察的整合和现实世界的适用性。研究结果表明，随机森林和其他机器学习模型在预测信用风险方面更胜一筹，这可能会导致中小企业处理信用风险的方式发生巨大转变。要提高研究的实际意义，需要将模型应用到实际的信用风险管理系统中，并结合行为经济学的见解。未来可能的研究方向包括：研究模型如何动态适应、使用不同类型的数据、通过 XAI 增强解释能力，以及促进合作以开发特定行业的最佳实践。通过概述信用销售的来龙去脉，本研究有助于中小型企业（SMB）在面对不断变化的市场环境时进行调整并保持弹性。
{"title":"Machine Learning-Based Risk Management of Credit Sales in Small and Midsize Business","authors":"Dr. Rojalin Pani, Dr. M. Rajendaran, Rishabh Kumar, Nidhi Mishra, Dr. K. Suresh Kumar, Prof (Dr) Sumeet Gupta","doi":"10.52783/jier.v4i1.583","DOIUrl":"https://doi.org/10.52783/jier.v4i1.583","url":null,"abstract":"Sustaining and expanding the finances of small and midsize companies (SMBs) depends on efficient credit risk management. This study redefines credit risk assessment for SMBs via the use of machine learning (ML), hence introducing a disruptive methodology. The all-inclusive approach includes feature selection, preprocessing, data collecting, and the use of ML models, with an emphasis on behavioral insights integration and real-world applicability. The results imply that Random Forests and other machine learning models are superior at predicting credit risk, which may lead to a sea shift in the way SMBs handle credit risk. Improving the research's practical implications involves applying models to actual credit risk management systems and incorporating insights from behavioral economics. Possible future research directions include studying how models adapt dynamically, using different types of data, enhancing explain ability via XAI, and fostering collaborative efforts to develop industry-specific best practices. By outlining the ins and outs of credit sales, this research helps small and medium-sized companies (SMBs) adjust and remain resilient in the face of changing market conditions.","PeriodicalId":496224,"journal":{"name":"Journal of Informatics Education and Research","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2024-02-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139959544","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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