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 Altman, E. I., Saunders, A.: Credit risk measurement: Developments over the last 20 years. Journal of banking & finance, 21(11), pp. 1721-1742 (1997).
 Weimin Chen, Guocheng Xiang, Youjin Liu, Kexi Wang, Credit risk Evaluation by hybrid data mining technique, Systems Engineering Procedia, 3 (2012)
 Kambal, E.; Osman, I.; Taha, M.; Mohammed, N.; Mohammed, S. Credit scoring using data mining
Cristiana Daniela Lazăr, Andreea Mihaela Marin and Ion Pereş
In order to shape a representative economic model, meant to be used for the analysis of direct acquisitions conducted by the public institutions on the electronic platform called SEAP (Electronic System of Public Acquisitions) we need to make a series of calculations which can lead to the establishment of risk scores for this types of acquisitions or procurements and their ranking, This hierarchy shall provide the public institutions with valuable items of information for the awareness of direct acquisitions particularities.
In this research on the one hand we analyzed the relationship that exists in terms of motivational persistence and the Big Five dimensions and, on the other hand, organizational citizenship behavior (OCB). The results show that the conscientiousness has been identified as being in a significant positive relationship with OCB. This result is consistent with the data provided by previous researchers. The results also indicate that three conscientiousness facets are in a positive relationship with OCB. These three conscientiousness facets are self-efficacy, cautiousness and orderliness. Agreeableness was not identified as being associated with OCB. At the level of the relationship between motivational persistence factors and OCB, we have identified a significant positive relationship with only one factor: current purpose pursuing. The OCB model has two variables that work best as predictors: high scores with regard to current purpose in terms of the pursuing-motivational persistence factor, and low scores in terms of the imagination-facet of openness to experience.
The following research started from the idea that correcting the crawl swimming style could help improve the performance of military students in the 50 m swimming with obstacles at the military pentathlon. Alongside with other specialists in the military pentathlon and swimming coaches we have elaborated a scoring grid for every error that can occure in the 50 m swimming with obstacle event. The methods used for evaluating was the scoring grid errors for 50 m swimming with obstacles, the observation method and also the experiment method. We had two samples in our research, the first group was the experiment group that was formed by 30 students with the age between 18-22 years old components of the military pentathlon team, and the second group, the control group, formed by 30 students with same age. The results of our investigation showed that the experiment group had improved statistical significant differences compared with the control group proving the necessity of using a scorring grid for the 50 m obstacle swimming in the military pentathlon.
The conclusions of the investigation showed that through the specific scoring system, the experts’ assessment certifies the viability of the new analytical curriculum introduced into student planning program within the experimental group.
The scores obtained by the military students are very important as a lot of opportunities depend on them: the choice of the branch, selection for different in and off-campus activities, the appointment to the workplace and so on. A qualifier, regardless of its form of effective expression, can make a difference in a given context of issuing a value judgment, in relation to the student's performance assessment. In our research we tried to find out what motives students, what determines them to get actively involved in the tasks they are given and the ways we can improve their participation in classes and assignments. In order to have an educated generation we need to have not only well prepared teachers but ones that are open-minded, flexible and in pace with the methodological novelties that can improve the teaching learning process in class. Along the years we have noticed that in classes where students constituted a cohesive group with an increasing degree of interaction between members, the results were better than in a group that did not appreciate team-work. In this article we want to highlight the fact that a teacher can bring to class the appropriate methods and procedures can contribute decisively to the strengthening of the group cohesion and high scores.
Vlad Ciprian Cupşan, Mihail Aurel Țîţu and Gheorghe Ioan Pop
This paper presents the current state of risk management in the knowledge-based organisations and the importance of a preventive approach, with emphasis on the aerospace and defence industry, as well as gives detailed information on the Failure Mode and Effects Analysis (FMEA) method, in its current known state. In order to generate enhancements to the Failure Mode and Effects Analysis (FMEA) method, the strong and weak points are analysed and specific solutions are proposed for the weak points, such as occurrence scoring, with the goal of enhancing the Failure Mode and Effects Analysis (FMEA) method and, in general, of improving risk management in the knowledge-based organizations. In conclusion, the paper evaluates the improvements generated by the proposed solutions, compared to the current known method, in order to establish the value added by the enhancements.
According to the last census, the majority of the Romanian population officially declares itself as Christian. The core value of Christianity is love and compassion towards your neighbour. The objective of this study was to see if there is a correlation between Christian faith and empathy. The study was conducted on Romanian students. We had three groups of students: Atheists/Other Religions, Nominal Christians and Christians who daily practice their faith. For the assessing of empathy we used Davis’s (1980) Interpersonal Reactivity Index (IRI), a self-report instrument and a multidimensional measure of empathy. A comparison of the IRI scores of the three student groups reveals that faith appears to be a predictor of empathy
The Interpersonal Reactivity Index is a self-report instrument used for assessing empathy. The theoretical model of empathy for IRI assumes that empathy is multidimensional in nature containing affective aspects (Empathic Concern and Personal Distress) and cognitive aspects (Perspective Taking and Fantasy). The objective of this study was to compare the level of empathy in Romanian college students to the level of empathy in American college students and to compare empathy in college students based on gender and field of study. The IRI was administered to a sample of 216 Romanian college students. We were interested only on Empathic Concern and Perspective Taking scales. The results revealed that Empathic Concern in Romanian college students is lower than in American college students, women score higher than men on the two scales used and students studying at humanities colleges have a higher Perspective Taking than students studying at science colleges. Our suggestion as a result of this study is to introduce more classes in the curriculum at the elementary school level to teach children empathy using diverse methods.
 Renwick, Matthew J. and Mossialos Elias, “Crowdfunding Our Health: Economic Risks and Benefits”, Social Science & Medicine, Vol. 191, pp. 48-56, 2017.
 Strausz, Roland, “A Theory of Crowdfunding: A Mechanism Design Approach with Demand Uncertainty and Moral Hazard”, American Economic Review, Vol. 107, No. 6, pp. 1430-1476, 2017.
 Zhao, Liang and Vinig, Tsvi, “Hedonic Value and Crowdfunding Project Performance a Propensity Score Matching-Based Analysis”, Review of Behavioral Finance, Vol. 9, No. 2, pp
among German conscripts, 1956–2010. Public Health Nutrition , 20(3): 391-403, 2017.
 Vaara, Jani P., et al. Associations of maximal strength and muscular endurance test scores with cardio respiratory fitness and body composition.” The Journal of Strength & Conditioning Research , 26 (8): 2078-2086, 2012.
 Taanila Henri et al: Low physical fitness is a strong predictor of health problems among young men: a follow-up study of 1411 male conscripts. BMC Public Health , 11(1) : 590, 2011.
 Bundesministerium für Landesverteidigung und Sport