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Henderson Named One Of The Most Influential People In Legal Education, James Owsley Boyd Jan 2024

Henderson Named One Of The Most Influential People In Legal Education, James Owsley Boyd

Keep Up With the Latest News from the Law School (blog)

Indiana University Maurer School of Law Professor Bill Henderson has once again been recognized as one of the most influential people in legal education, but he’s not the only one with ties to the Law School on this year’s list.

The National Jurist ranked Henderson #18 on its list. Kellye Testy, a 1991 alumna of the Law School and president and CEO of the Law School Admission Council, is ranked second.


Regional Price Index 2023, Department Of Primary Industries And Regional Development, Western Australia Jan 2024

Regional Price Index 2023, Department Of Primary Industries And Regional Development, Western Australia

Statistics

The 2023 Regional Price Index (RPI) is the eleventh State Government Index contrasting the cost of a common basket of goods and services at a number of regional locations to the Perth metropolitan region. The RPI is used as the basis for the construction of the public sector district allowance, and by the private sector when considering remuneration packages for remotely located staff.

The RPI provides an insight into differences in regional consumer costs. The 2023 RPI basket of 185 goods and services was priced in 39 regional centres around Western Australia.

The 2023 RPI results show that, overall, prices …


Reducing Food Scarcity: The Benefits Of Urban Farming, S.A. Claudell, Emilio Mejia Dec 2023

Reducing Food Scarcity: The Benefits Of Urban Farming, S.A. Claudell, Emilio Mejia

Journal of Nonprofit Innovation

Urban farming can enhance the lives of communities and help reduce food scarcity. This paper presents a conceptual prototype of an efficient urban farming community that can be scaled for a single apartment building or an entire community across all global geoeconomics regions, including densely populated cities and rural, developing towns and communities. When deployed in coordination with smart crop choices, local farm support, and efficient transportation then the result isn’t just sustainability, but also increasing fresh produce accessibility, optimizing nutritional value, eliminating the use of ‘forever chemicals’, reducing transportation costs, and fostering global environmental benefits.

Imagine Doris, who is …


Is The Declining Birthrate Really An Issue For The Economy?, Harsh Ramesh Pednekar, Theodore Lee, Darrion Chin Dec 2023

Is The Declining Birthrate Really An Issue For The Economy?, Harsh Ramesh Pednekar, Theodore Lee, Darrion Chin

Introduction to Research Methods RSCH 202

This study aims to explore the complex implications of declining birth rates on the economy, focusing on GDP per capita as a crucial metric, and aims to uncover both potential opportunities and challenges stemming from this demographic transformation using regression analysis. Using a quantitative methodology and secondary data from OECD.stat, World Population Review, and World Bank, the study explores the relationship between declining birth rates and economic impacts. GDP per capita serves as an essential dependent variable, and it accounts for control variables such as labour force participation, literacy, and education levels, child dependence ratio, and physical capital. Past studies …


Depaul Digest Oct 2023

Depaul Digest

DePaul Magazine

College of Education Professor Jason Goulah fosters hope, happiness and global citizenship through DePaul’s Institute for Daisaku Ikeda Studies in Education. Associate Journalism Professor Jill Hopke shares how to talk about climate change. News briefs from DePaul’s 10 colleges and schools: Occupational Therapy Standardized Patient Program, Financial Planning Certificate program, Business Education in Technology and Analytics Hub, Racial Justice Initiative, Teacher Quality Partnership grant, Intimate Partner Violence and Brain Injury collaboration, School of Music Career Closet, Sports Photojournalism course, DePaul Migration Collaborative’s Solutions Lab, Inclusive Screenwriting courses. New appointments: School of Music Dean John Milbauer, College of Education Dean Jennifer …


Phantom Shootings, Allan Ambris Jun 2023

Phantom Shootings, Allan Ambris

Dissertations, Theses, and Capstone Projects

This capstone is a website designed to critique NYC Open Data reporting with respect to shootings through a series of visualizations and discoveries. The NYPD Shooting Incidents datasets (Historic and Year to Date) introduce themselves to the user by claiming to be a “list of every shooting incident that occurred in NYC.” The supplied documentation reveals that this is not the case.

After understanding the supporting materials, there are still undisclosed truths. My exploration of the data revealed that a single victim may be represented across multiple entries. Additionally, multiple victims may be represented by a single entry. It is …


"Church On My Couch": Predicting The Future Impact Of Online Ministry Based On The Impact During Covid-19, Samukeliso Mabarani, Sikhumbuzo Dube May 2023

"Church On My Couch": Predicting The Future Impact Of Online Ministry Based On The Impact During Covid-19, Samukeliso Mabarani, Sikhumbuzo Dube

Adventist Human-Subject Researchers Association

With “everything from home” as the new norm, “how does the use of digital platforms impact Adventist education, community engagement, and spiritual outreach?” Using a quantitative approach, we draw insights from online ministry during Covid-19 and use the insights to predict the future impact of online ministry statistically.


Payments Data In Gambling Research, Kasra Ghaharian, Mana Azizsoltani May 2023

Payments Data In Gambling Research, Kasra Ghaharian, Mana Azizsoltani

International Conference on Gambling & Risk Taking

A considerable body of gambling-related research has leveraged gamblers' behavioral tracking data to address a broad set of research questions. These data have typically comprised of gamblers' betting-related behaviors including, for example, the frequency and volume of betting. The analysis of gamblers' payment-related behavioral data is far less common, but provides a fruitful avenue gambling-related research.

In this presentation we discuss a selection of potential research opportunities that payments transaction data presents. We supplement this discussion with specific analyses that have been performed by our research group. We also discuss knowledge gaps and areas for future research.


The Rocket: Analyzing Rtp (Return To Player), Payoff Distribution And Player Behavior In Crash Games, Mikhail M. Sher, Robert Haywood Scott Iii, Jonathan A. Daigle May 2023

The Rocket: Analyzing Rtp (Return To Player), Payoff Distribution And Player Behavior In Crash Games, Mikhail M. Sher, Robert Haywood Scott Iii, Jonathan A. Daigle

International Conference on Gambling & Risk Taking

Abstract

Rocket is a crash game developed by DraftKings, an American publicly traded online casino, sports betting and fantasy sports company. DraftKings Rocket is a game played with a rising rocket. Players must exit the rocket at any point before the rocket crashes. In that case they receive the payoff in accordance to the multiplier of their exit point. If the rocket crashes before the player bails, player’s payoff is 0 (and they lose their bet).

The game boasts an unprecedented 97% RTP (Return to Player). For comparison, Atlantic City casino slots typically have a 91-92% RTP, while Vegas casino …


Multivariate Econometric Regression Of Factors That Determine Form Of Disposition Of Human Remains Using Archival Death Certificates, Salt Lake County, Utah, Delphine T. Feigenbaum May 2023

Multivariate Econometric Regression Of Factors That Determine Form Of Disposition Of Human Remains Using Archival Death Certificates, Salt Lake County, Utah, Delphine T. Feigenbaum

All Graduate Plan B and other Reports, Spring 1920 to Spring 2023

This project considers the inescapable and burgeoning issues concerning the long-term allocation of scarce natural resources between the living and the deceased. America’s population growth will demand more space and maintenance resources used for disposition. To meet the forthcoming exigencies, economic planners need to address natural resource availability for future generations while incorporating sustainable and innovative technologies to prohibit environmental injustice.

The goals are to answer the following questions: How do demographical variables, age and sex influence the choice of disposition? How do cause of death variables influence the choice of disposition? I also evaluate the hypothesis that the average …


Employee Attrition: Analyzing Factors Influencing Job Satisfaction Of Ibm Data Scientists, Graham Nash Apr 2023

Employee Attrition: Analyzing Factors Influencing Job Satisfaction Of Ibm Data Scientists, Graham Nash

Symposium of Student Scholars

Employee attrition is a relevant issue that every business employer must consider when gauging the effectiveness of their employees. Whether or not an employee chooses to leave their job can come from a multitude of factors. As a result, employers need to develop methods in which they can measure attrition by calculating the several qualities of their employees. Factors like their age, years with the company, which department they work in, their level of education, their job role, and even their marital status are all considered by employers to assist in predicting employee attrition. This project will be analyzing a …


A Simulation Of The Impacts Of Climate Change On Civil Aircraft Takeoff Performance, Thomas D. Pellegrin Apr 2023

A Simulation Of The Impacts Of Climate Change On Civil Aircraft Takeoff Performance, Thomas D. Pellegrin

Doctoral Dissertations and Master's Theses

Climate change affects the near-surface environmental conditions that prevail at airports worldwide. Among these, air density and headwind speed are major determinants of takeoff performance, and their sensitivity to global warming carries potential operational and economic implications for the commercial air transport industry. Previous archival and prospective research observed a weakening in headwind strength and predicted an increase in near-surface temperatures, respectively, resulting in an increase in takeoff distances and weight restrictions. The main purpose of the present study was to update and generalize the extant prospective research using a more representative sample of worldwide airports, a wider range of …


Thinking Local With Original Data In Ai And Machine Learning Research, David G. Taylor, Robert Mccloud Jan 2023

Thinking Local With Original Data In Ai And Machine Learning Research, David G. Taylor, Robert Mccloud

WCBT Working Papers

Sacred Heart University spent significant funds to establish an AI lab. Initially there is no ongoing research and no real plan for a research agenda. This paper details how the Jack Welch College of Business and Technology created and implemented an active meaningful research plan. It involves two key elements: thinking local and using business connections to foster active, impactful research. Surrounding communities, business connections, area environment, and other Sacred Heart University departments all played a part. The research plan also identifies a specific issue in working with local and business contact sources: the AI researcher almost never gets data …


Impacts Of Covid-19 On Industrial Growth In The United States, Emily G. Warthman, Charles J. Landis Jan 2023

Impacts Of Covid-19 On Industrial Growth In The United States, Emily G. Warthman, Charles J. Landis

Williams Honors College, Honors Research Projects

COVID-19 has caused massive ramifications on all parts of life in the world and industry growth/decline is not immune to it. This report will analyze nine different industries’ profit and revenue from quarterly data during the years 2009-2022. Forecast models will be generated using various methods and different techniques of validating to predict the values from Q2 2020- Q4 2022 based on historical data. After which, a comparison will be conducted between those predicted values to the actual average revenue and profit generated by order of greatest error percentage made. Thorough research will then be completed to determine if there …


Estrategia De Aprovechamiento De Oportunidades Comerciales Del Café Colombiano En La Asean, Ana María Quiza Torres Jan 2023

Estrategia De Aprovechamiento De Oportunidades Comerciales Del Café Colombiano En La Asean, Ana María Quiza Torres

Finanzas y Comercio Internacional

El café es uno de los productos más valiosos y valorado en el mundo, ya que este ha sido foco de diversas investigaciones gracias a los beneficios y productos los cuales se pueden crear a base de café. Teniendo en cuenta esto, el presente trabajo se plantea la investigación del sector cafetero entre Colombia y la ASEAN, buscando identificar una estrategia la cual se puede aplicar para lograr una cooperación cafetera entre Colombia y la ASEAN. Para esto se busca determinar, las fortalezas y debilidades que tenemos frente a la ASEAN, identificando así los mejores factores en base fortalecimiento de …


Application Of Big Data Technology, Text Classification, And Azure Machine Learning For Financial Risk Management Using Data Science Methodology, Oluwaseyi A. Ijogun Jan 2023

Application Of Big Data Technology, Text Classification, And Azure Machine Learning For Financial Risk Management Using Data Science Methodology, Oluwaseyi A. Ijogun

Electronic Theses and Dissertations

Data science plays a crucial role in enabling organizations to optimize data-driven opportunities within financial risk management. It involves identifying, assessing, and mitigating risks, ultimately safeguarding investments, reducing uncertainty, ensuring regulatory compliance, enhancing decision-making, and fostering long-term sustainability. This thesis explores three facets of Data Science projects: enhancing customer understanding, fraud prevention, and predictive analysis, with the goal of improving existing tools and enabling more informed decision-making. The first project examined leveraged big data technologies, such as Hadoop and Spark, to enhance financial risk management by accurately predicting loan defaulters and their repayment likelihood. In the second project, we investigated …


Optimal Design And Operation Of Integrated Hydrogen Generation And Utilization Plants, Ijiwole Solomon Ijiyinka Jan 2023

Optimal Design And Operation Of Integrated Hydrogen Generation And Utilization Plants, Ijiwole Solomon Ijiyinka

Graduate Theses, Dissertations, and Problem Reports

There are considerable efforts worldwide for reducing the use of fossil fuel for energy production. While renewable energy sources are being increasingly used, fossil fuel still contribute about 80% of the energy used worldwide. As a result, the level of CO2 is still increasing fast in the atmosphere currently exceeding about 410 parts per million (ppm). For reducing CO2 build up in the atmosphere, various approaches are being investigated. For the electric power generation sector, two key approaches are post-combustion CO2 capture and use of hydrogen as a fuel for power generation. These two solutions can also …


Analyzing Business-Focused Social Networks In Hiring: The Influence Of A Job Candidate's Network On A Recruiter's Hiring Recommendation, Hannah V. Kibby Dec 2022

Analyzing Business-Focused Social Networks In Hiring: The Influence Of A Job Candidate's Network On A Recruiter's Hiring Recommendation, Hannah V. Kibby

<strong> Theses and Dissertations </strong>

Social media has altered the ways in which people interact. Business-focused social media profiles, such as those on LinkedIn, can act as a proxy for a traditional resume. However, these websites differ from a traditional resume in that information presented is sometimes informal, personal, and irrelevant to the member’s career. Furthermore, HR employees are able to view a job candidate’s social network. This research investigates the influence of a recruiter’s knowledge of an applicant’s professional network on the recruiter’s perception of the applicant’s trustworthiness and hence their willingness to take risk in the hiring relationship. A review of the literature …


The Distinction Of Logical Decision According To The Model Of The Analysis Of Brain Signals (Eeg), Akeel Abdulkareem Al-Sakaa, Zaid H. Nasralla, Mohsin Hasan Hussein, Saif A. Abd, Hazim Alsaqaa, Kesra Nermend, Anna Borawska Aug 2022

The Distinction Of Logical Decision According To The Model Of The Analysis Of Brain Signals (Eeg), Akeel Abdulkareem Al-Sakaa, Zaid H. Nasralla, Mohsin Hasan Hussein, Saif A. Abd, Hazim Alsaqaa, Kesra Nermend, Anna Borawska

Karbala International Journal of Modern Science

Recently, brain signal patterns have been recruited by researchers in different life activities. Researchers have studied each life activity and how brain signal patterns appear. These patterns could then be generalised and used in different disciplines. In this paper, we study the brain state during decision making in a lottery experiment. An EEG device is used to capture brain signals during an experiment to extract the optimal state for logical decision making. After collecting data, extracting useful information and then processing it, the proposed method is able to identify rational decisions from irrational ones with a success rate of 67%.


A Machine Learning Approach To Revenue Generation Within The Professional Hair Care Industry, Alexander K. Sepenu, Linda Eliasen Jun 2022

A Machine Learning Approach To Revenue Generation Within The Professional Hair Care Industry, Alexander K. Sepenu, Linda Eliasen

SMU Data Science Review

The cosmetic and beauty industry continues to grow and evolve to satisfy its patrons. In the United States, the industry is heavily science-driven, innovative, and fast-paced, suggesting that to remain productive and profitable, companies must seek smart alternatives to their current modus operandi or risk losing out on this multi-billion-dollar industry to fierce competition. In this paper, the authors seek to utilize machine learning models such as clustering and regression to improve the efficiency of current sales and customer segmentation models to help HairCo (pseudonym for confidentiality), a professional hair products manufacturer, strategize their marketing and sales efforts for revenue …


Du Undergraduate Showcase: Research, Scholarship, And Creative Works: Abstracts, Emma Aggeler, Elena Arroway, Daisy T. Booker, Justin Bravo, Kyle Bucholtz, Megan Burnham, Nicole Choi, Spencer Cockerell, Rosie Contino, Jackson Garske, Kaitlyn Glover, Caroline Hamilton, Haley Hartmann, Madalyne Heiken, Colin Holter, Leah Huzjak, Alyssa Jeng, Cole Jernigan, Chad Kashiwa, Adelaide Kerenick, Emily King, Abigail Langeberg, Maddie Leake, Meredith Lemons, Alec Mackay, Greer Mckinley, Ori Miller, Guy Milliman, Katherine Miromonti, Audrey Mitchell, Lauren Moak, Megan Morrell, Gelella Nebiyu, Zdenek Otruba, Toni V. Panzera, Kassidy Patarino, Sneha Patil, Alexandra Penney, Kevin Persky, Caitlin Pham, Gabriela Recinos, Mary Ringgenberg, Chase Routt, Olivia Schneider, Roman Shrestha, Arlo Simmerman, Alec Smith, Tessa Smith, Nhi-Lac Thai, Kyle Thurmann, Casey Tindall, Amelia Trembath, Maria Trubetskaya, Zachary Vangelisti, Peter Vo, Abby Walker, David Winter, Grayden Wolfe, Leah York May 2022

Du Undergraduate Showcase: Research, Scholarship, And Creative Works: Abstracts, Emma Aggeler, Elena Arroway, Daisy T. Booker, Justin Bravo, Kyle Bucholtz, Megan Burnham, Nicole Choi, Spencer Cockerell, Rosie Contino, Jackson Garske, Kaitlyn Glover, Caroline Hamilton, Haley Hartmann, Madalyne Heiken, Colin Holter, Leah Huzjak, Alyssa Jeng, Cole Jernigan, Chad Kashiwa, Adelaide Kerenick, Emily King, Abigail Langeberg, Maddie Leake, Meredith Lemons, Alec Mackay, Greer Mckinley, Ori Miller, Guy Milliman, Katherine Miromonti, Audrey Mitchell, Lauren Moak, Megan Morrell, Gelella Nebiyu, Zdenek Otruba, Toni V. Panzera, Kassidy Patarino, Sneha Patil, Alexandra Penney, Kevin Persky, Caitlin Pham, Gabriela Recinos, Mary Ringgenberg, Chase Routt, Olivia Schneider, Roman Shrestha, Arlo Simmerman, Alec Smith, Tessa Smith, Nhi-Lac Thai, Kyle Thurmann, Casey Tindall, Amelia Trembath, Maria Trubetskaya, Zachary Vangelisti, Peter Vo, Abby Walker, David Winter, Grayden Wolfe, Leah York

DU Undergraduate Research Journal Archive

Abstracts from the DU Undergraduate Showcase.


Sparse Model Selection Using Information Complexity, Yaojin Sun May 2022

Sparse Model Selection Using Information Complexity, Yaojin Sun

Doctoral Dissertations

This dissertation studies and uses the application of information complexity to statistical model selection through three different projects. Specifically, we design statistical models that incorporate sparsity features to make the models more explanatory and computationally efficient.

In the first project, we propose a Sparse Bridge Regression model for variable selection when the number of variables is much greater than the number of observations if model misspecification occurs. The model is demonstrated to have excellent explanatory power in high-dimensional data analysis through numerical simulations and real-world data analysis.

The second project proposes a novel hybrid modeling method that utilizes a mixture …


How Blockchain Solutions Enable Better Decision Making Through Blockchain Analytics, Sammy Ter Haar May 2022

How Blockchain Solutions Enable Better Decision Making Through Blockchain Analytics, Sammy Ter Haar

Information Systems Undergraduate Honors Theses

Since the founding of computers, data scientists have been able to engineer devices that increase individuals’ opportunities to communicate with each other. In the 1990s, the internet took over with many people not understanding its utility. Flash forward 30 years, and we cannot live without our connection to the internet. The internet of information is what we called early adopters with individuals posting blogs for others to read, this was known as Web 1.0. As we progress, platforms became social allowing individuals in different areas to communicate and engage with each other, this was known as Web 2.0. As Dr. …


Forecasting Razorback Baseball Game Outcomes, Austin Raabe May 2022

Forecasting Razorback Baseball Game Outcomes, Austin Raabe

Information Systems Undergraduate Honors Theses

Despite the disappointing end to the 2021 Arkansas Razorback baseball year, the team’s success provided hog fans something to look forward to next season. While they will be without the 2021 Golden Spikes Award winner, Kevin Kopps, and four All-SEC team selections, the 2022 roster has promising new and returning talent. With fifty percent of the players who played significant time last year coming back (minimum ten hits or ten innings pitched), the arrival of several impact transfers from major conferences, and a recruiting class ranked in the top five according to Perfect Game, there is reason to believe that …


Beyond Hcahps: Analysis Of Patients’ Comments Provides An Expanded View Of Their Hospital Experiences, Andrew S. Gallan, Rakesh Niraj, Awanindra Singh Apr 2022

Beyond Hcahps: Analysis Of Patients’ Comments Provides An Expanded View Of Their Hospital Experiences, Andrew S. Gallan, Rakesh Niraj, Awanindra Singh

Patient Experience Journal

An important concern for health care professionals is that standardized patient surveys may not fully capture all the topics that are important to patients. As a result, health care professionals may not have a complete picture of what their patients experience. The purpose of this research is to utilize a state-of-the-art Natural Language Processing technique to make sense of patients’ solicited, unstructured comments to gain a deeper and broader understanding of their experiences in the hospital. We analyzed a large dataset of inpatient survey responses (48,592 patients generating 65,998 comments) by a patient experience survey vendor for an eleven-hospital health …


Statistical Study Into The World Of Nft Investing And The Process Behind It, Daon Morris, Teddy Gamboa, Akeisha Belgrave Apr 2022

Statistical Study Into The World Of Nft Investing And The Process Behind It, Daon Morris, Teddy Gamboa, Akeisha Belgrave

Harrisburg University Research Symposium: Highlighting Research, Innovation, & Creativity

For the purpose of this project, we gathered data from the young adults and adults of the Harrisburg University campus in support of the fact that NFT’s are not like other forms of investments in terms of the strategy used. Rather, the way people invest in them is by just simply looking at the picture, and whatever NFT people think looks cool is the NFT that will skyrocket in value.(Class Project)


Session 5: Equipment Finance Credit Risk Modeling - A Case Study In Creative Model Development & Nimble Data Engineering, Edward Krueger, Landon Thompson, Josh Moore Feb 2022

Session 5: Equipment Finance Credit Risk Modeling - A Case Study In Creative Model Development & Nimble Data Engineering, Edward Krueger, Landon Thompson, Josh Moore

SDSU Data Science Symposium

This presentation will focus first on providing an overview of Channel and the Risk Analytics team that performed this case study. Given that context, we’ll then dive into our approach for building the modeling development data set, techniques and tools used to develop and implement the model into a production environment, and some of the challenges faced upon launch. Then, the presentation will pivot to the data engineering pipeline. During this portion, we will explore the application process and what happens to the data we collect. This will include how we extract & store the data along with how it …


Optimizing Pension Outcomes Using Target Volatility Investment Concept, Zefeng Bai Jan 2022

Optimizing Pension Outcomes Using Target Volatility Investment Concept, Zefeng Bai

2022

The target volatility strategy is a very popular investment concept in financial marketplace. For my dissertation, I focus on studying the target volatility investment concept in application to pension accumulation as well as decumulation stages. Additionally, I extend a basic target volatility strategy by introducing trading boundaries to its asset allocation mechanism. My dissertation study follows a three-paper format.

In paper one, we propose a new pension strategy that aims at improving the protection of a long-term pension plan in volatile market conditions. Over a hypothetical twenty-year pension scheme, we show that our newly proposed strategy, which attaches a target …


Towards A Better Understanding Of The Development Of Collaborative Consumption Pricing, Funda Sarican Jan 2022

Towards A Better Understanding Of The Development Of Collaborative Consumption Pricing, Funda Sarican

2022

With the rise of social platforms, consumers started creating value by sharing human and physical resources. As a result, there has been an increase in collaborative consumption. My papers focus on the peer-to-peer travel accommodation service Airbnb, a popular online market for short-term housing rentals.

In paper one, an integrated framework for collaborative consumption pricing is developed by adopting the hedonic demand theory and leveraging the multilevel modeling method that accounts for various factors from nested data. This paper contributes to the research literature by extending the usage of multilevel modeling across cities to consider city effects and broadening the …


Análisis De Los Días De Mora Para La Cartera De Un Producto Financiero En Colombia, Una Aproximación A Partir De Las Series De Tiempo (2013 - 2018), Eleny Kottaridis Fernandez Jan 2022

Análisis De Los Días De Mora Para La Cartera De Un Producto Financiero En Colombia, Una Aproximación A Partir De Las Series De Tiempo (2013 - 2018), Eleny Kottaridis Fernandez

Economía

La morosidad sobre la cartera de consumo evidencia un patrón que debe ser considerado en la toma de decisiones de las entidades financieras para una adecuada administración del riesgo crediticio teniendo en cuenta su alta volatilidad. En efecto, un desempeño económico desfavorable relacionado con algunos sectores financieros, las bajas tasas de crecimiento económico y mayores niveles de desempleo, incrementa la probabilidad del incumplimiento de las obligaciones de los hogares debido a la menor capacidad de pago por la reducción de sus ingresos. De acuerdo con estos impactos, las entidades financieras necesitan contar con mecanismos para abordar el pronóstico sobre el …