Journal of
Systemics, Cybernetics and Informatics

ISSN: 1690-4524 (Online)

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Honorary Editorial Advisory Board's Chair
William Lesso (1931-2015)

Nagib C. Callaos

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The International Institute of
Informatics and Systemics

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Behavior of Cell in Uniform Shear Flow Field between Rotating Cone and Stationary Plate
Shigehiro Hashimoto, Hiromi Sugimoto, Haruka Hino
(pages: 1-7)

Teachers Continuing Professional Development: Trends in European Countries. Towards Teachers' Professionalism
Liliana Budkowska, Pawel Poszytek
(pages: 8-12)

Play, Connect and Learn: Using Mobile Phones to Improve Early Grade Reading Skills at Home
Ira Joshi
(pages: 13-16)

May Parental Reading Behavior Explain the Gender Differences in Subteeners’ Reading Attitude?
Aniko Joó, Erzsébet Dani
(pages: 17-22)

Leadership and Literacy Processes in School Improvement Creating and Supporting a Community of Success: A Case Study Examining the Principal’s Role in the Reconstitution of a Campus to Transform Literacy and Learning
W. Todd Duncan, Lisa E. Colvin
(pages: 23-28)

Rwandan Collaborative Model for Educator Capacity Building
Andrew Moore, Vincentie Nyangoma, Jaco Du Toit, Peter Wallet, Pascal Rukundo
(pages: 29-35)

Do You Know Where Your Students Are? Digital Supervision and Digital Privacy in Schools
Lorayne Robertson, Laurie Corrigan
(pages: 36-42)

A General Case Study of Complexity Science: Analytical and Logical Interconnection Between Soft and Hard Sciences (Invited Paper)
Jack Jia-Sheng Huang, Yu-Heng Jan
(pages: 43-48)

Novel Application of Immobilized Bacillus Cells for Biotreatment of Furfural-Laden Wastewater
Haneen A. Khudhair, Zainab Z. Ismail
(pages: 49-54)

Reliable Sub-Nanosecond Switching of a Perpendicular SOT-MRAM Cell without External Magnetic Field
Viktor Sverdlov, Alexander Makarov, Siegfried Selberherr
(pages: 55-59)

The Methodology and Implementation of Unique Technology Focused Entrepreneurship/Intrepreneurship Programs
Stephen A. Szygenda, Diana M. Easton
(pages: 60-66)

Intelligent Fault Pattern Recognition of Aerial Photovoltaic Module Images Based on Deep Learning Technique
Xiaoxia Li, Qiang Yang, Wenjun Yan, Zhebo Chen
(pages: 67-71)

Real-Time Implementation of Model Predictive Control in a Low-Cost Embedded Device
John Espinoza, Jorge Buele, Esteban X. Castellanos, Marco Pilatásig, Paulina Ayala, Marcelo V. García
(pages: 72-77)

Real-Time Sentimental Polarity Classification on Live Social-Media
Khalid N. Alhayyan, Imran Ahmad
(pages: 78-84)

Information Modeling and Information Retrieval for the Internet of things (IoT) in Buildings
Renata Baracho, Izabella Cunha, Mário Lúcio Pereira Junior
(pages: 85-91)





Evaluating Loans Using a Combination of Data Envelopment and Neuro-Fuzzy Systems

Rashmi Malhotra, D.K. Malhotra

A business organization’s objective is to make better decisions at all levels of the firm to improve performance. Typically organizations are multi-faceted and complex systems that use uncertain information. Therefore, making quality decisions to improve organizational performance is a daunting task. Organizations use decision support systems that apply different business intelligence techniques such as statistical models, scoring models, neural networks, expert systems, neuro-fuzzy systems, case-based systems, or simply rules that have been developed through experience. Managers need a decision-making approach that is robust, competent, effective, efficient, and integrative to handle the multi-dimensional organizational entities. The decision maker deals with multiple players in an organization such as products, customers, competitors, location, geographic structure, scope, internal organization, and cultural dimension [46]. Sound decisions include two important concepts: efficiency (return on invested resources) and effectiveness (reaching predetermined goals). However, quite frequently, the decision maker cannot simultaneously handle data from different sources. Hence, we recommend that managers analyze different aspects of data from multiple sources separately and integrate the results of the analysis. This study proposes the design of a multi-attribute-decision-support-system that combines the analytical power of two different tools: data envelopment analysis (DEA) and fuzzy logic. DEA evaluates and measures the relative efficiency of decision making units that use multiple inputs and outputs to provide non-objective measures without making any specific assumptions about data. On the other hand fuzzy logic’s main strength lies in handling imprecise data. This study proposes a modeling technique that jointly uses the two techniques to benefit from the two methodologies. A major advantage of the DEA approach is that it clearly identifies the important factors contributing to the success of a decision. In addition, I also propose the use of a neuro-fuzzy model to create a rule-based system that can aid the decision-maker in making decisions regarding the implications of a decision. One of the important characteristics of neuro-fuzzy systems is their ability to deal with imprecise and uncertain information. The neuro-fuzzy model integrates the performance values of a set of production units derived by ranking using DEA to create IF-THEN rules to handle fluctuating and uncertain scenarios. Thus, a decision maker can easily analyze and understand any decision made by the neuro-fuzzy model in the form of the easily interpretable IF-THEN rules.

[46] M. PorterCompetitive Strategy: techniques for Analyzing Industries and Competitors, The Free Press, New York, 1980.

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