This article is dedicated to the analysis of the first innovation survey of the Tunisian firms. Starting from basic mechanisms of innovation processes and existing results on other developing countries, we test a set of assumptions on the characteristics of innovating firms in a developing...

Credit scoring is of major interest to financial institutions as a mean of controlling their capital allocation and increasing their profitability. Classical credit-scoring approaches are based on a ‘good' or ‘bad' basis, i.e. by classifying new applicants into one of the two possible...

The main purpose of this paper is to classify clients applying for credit into different classes using poisson-mixture approachs which accomodate for heterogeneity and exess-zeros found in the data. This classification permits to determine the optimal interest rate that maximizes bank profit...

This paper introduces a new family of lifetime distributions, using the ascendant order statistics.The proposed distribution is called the exponential-generalized truncated Poisson (EGTP) distribution. Our approach follows the same procedure as Adamidis and Loukas (1998) and generalizes the...

This paper introduces a new two-parameter lifetime distribution, called the exponential-generalized truncated geometric (EGTG) distribution, by compounding the exponential with the generalized truncated geometric distributions. The new distribution involves two important known distributions,...