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Consumer Credit Models
The use of credit scoring - the quantitative and statistical techniques to assess the credit risks involved in lending to consumers - has been one of the most successful if unsung applications of mathematics in business for the last fifty years. Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgages and credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the id...
Susan's Helping Hand
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Credit Scoring and Its Applications, Second Edition
Credit Scoring and Its Applications is recognized as the bible of credit scoring. It contains a comprehensive review of the objectives, methods, and practical implementation of credit and behavioral scoring. The authors review principles of the statistical and operations research methods used in building scorecards, as well as the advantages and disadvantages of each approach. The book contains a description of practical problems encountered in building, using, and monitoring scorecards and examines some of the country-specific issues in bankruptcy, equal opportunities, and privacy legislation. It contains a discussion of economic theories of consumers' use of credit, and readers will gain a...
Beneath the Surface
For more than a century, skin lighteners have been a ubiquitous feature of global popular culture—embraced by consumers even as they were fiercely opposed by medical professionals, consumer health advocates, and antiracist thinkers and activists. In Beneath the Surface, Lynn M. Thomas constructs a transnational history of skin lighteners in South Africa and beyond. Analyzing a wide range of archival, popular culture, and oral history sources, Thomas traces the changing meanings of skin color from precolonial times to the postcolonial present. From indigenous skin-brightening practices and the rapid spread of lighteners in South African consumer culture during the 1940s and 1950s to the growth of a billion-dollar global lightener industry, Thomas shows how the use of skin lighteners and experiences of skin color have been shaped by slavery, colonialism, and segregation as well as by consumer capitalism, visual media, notions of beauty, and protest politics. In teasing out lighteners’ layered history, Thomas theorizes skin as a site for antiracist struggle and lighteners as a technology of visibility that both challenges and entrenches racial and gender hierarchies.
Fury of Past Time
'Leeworthy set out to write a biography which fully reflects the complexity of Thomas' life, especially foregrounding 'the political character of Gwyn's character and creative output' but he does so much more, expanding the reader's knowledge by giving us not just the life but also the times... This punchy portrait of a real Welsh literary heavyweight hits home with the brutal realism of Thomas' jabbing prose and mordant wit.' – Jon Gower, Nation.Cymru 'Fury of Past Time is a model of its kind. An immense amount of research has gone into this biography, which will be the standard work on Gwyn Thomas for many years to come. It deserves to be read by those who already admire the fiction and ...
Politics of the Womb
In more than a metaphorical sense, the womb has proven to be an important site of political struggle in and about Africa. By examining the political significance—and complex ramifications—of reproductive controversies in twentieth-century Kenya, this book explores why and how control of female initiation, abortion, childbirth, and premarital pregnancy have been crucial to the exercise of colonial and postcolonial power. This innovative book enriches the study of gender, reproduction, sexuality, and African history by revealing how reproductive controversies challenged long-standing social hierarchies and contributed to the construction of new ones that continue to influence the fraught politics of abortion, birth control, female genital cutting, and HIV/AIDS in Africa.
A War of Loves
At 14, David Bennett came out to his parents. At 19, he encountered Jesus Christ. At that moment, his life changed forever. As a young gay man, David Bennett saw Christianity as an enemy to freedom for LGBTQI people, and his early experiences with prejudice and homophobia led him to become a gay activist. But when Jesus came into his life in a highly unexpected way, he was led down a path he never would have predicted or imagined. In A War of Loves, David recounts his dramatic story, from his early years exploring new age religions and French existentialism to his university experiences as an activist. Following supernatural encounters with God, he embarked on a journey not only of seeking to reconcile his faith and sexuality but also of discovering the higher call of Jesus Christ. A War of Loves investigates what the Bible teaches about sexuality and demonstrates the profligate, unqualified grace of God for all people. David describes the joy and intimacy he found in following Jesus Christ and how love has taken on a radically new and far richer meaning for him.
Academic Working Lives
"Provides a fine-grained, multidisciplinary, multi-context and inclusive set of approaches to the challenges and complexities within contemporary academic working lives"--
Ladies of the Western
This work features interviews with 51 leading ladies who starred in B-westerns, A-westerns, and television westerns. Some were well-known and others were not, but they all have fascinating stories to tell and they talk candidly about their careers and the many difficulties that went along with their jobs. Back then, conditions were often severe, locations were often harsh, and pay was often minimal. The actresses were sometimes the only females on location and they had to provide their own wardrobe and do their own make-up, as well as discourage the advances of over-affectionate co-stars. Despite these difficulties, most of the women interviewed for this agree that they had fun. Claudia Barrett, Virginia Carroll, Francis Dee, Lisa Gaye, Marie Harmon, Kathleen Hughes, Linda Johnson, Ruta Lee, Colleen Miller, Gigi Perreau, Ann Rutherford, Ruth Terry, and June Vincent are among the 51 actresses interviewed.
Religion, Consumerism and Sustainability
To varying degrees, classic religions are associated with critique of materialistic values. Onto this opposition of the market and the temple other binaries have been grafted, so that 'North' and the 'West' are portrayed as secular and materialistic, 'South' and 'East' either as 'tigers' pursuing western-style affluence and economic growth or locked into retrospective fundamentalisms. These characterisations are called into question in a context of diversity and global movements of peoples and goods. In this collection this complexity is addressed in an analysis of the interconnections between religious and consumption practices and cultures, and the ways in which both are responding to the ...
