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Book part
Publication date: 11 September 2020

D. K. Malhotra, Kunal Malhotra and Rashmi Malhotra

Traditionally, loan officers use different credit scoring models to complement judgmental methods to classify consumer loan applications. This study explores the use of…

Abstract

Traditionally, loan officers use different credit scoring models to complement judgmental methods to classify consumer loan applications. This study explores the use of decision trees, AdaBoost, and support vector machines (SVMs) to identify potential bad loans. Our results show that AdaBoost does provide an improvement over simple decision trees as well as SVM models in predicting good credit clients and bad credit clients. To cross-validate our results, we use k-fold classification methodology.

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Book part
Publication date: 3 February 2015

D. K. Malhotra, Rashmi Malhotra and Kathleen T. Campbell

As cable and satellite industry undergoes transformation in the 21st century with the onslaught of innovation-driven changes, it is important to know which company is…

Abstract

As cable and satellite industry undergoes transformation in the 21st century with the onslaught of innovation-driven changes, it is important to know which company is doing better and which company is falling behind. This study compares the relative performance of eight cable companies using three factors: operating expense for every dollar of operating revenue, earnings before interest, taxes, depreciation, and amortization, and return on assets. We also evaluate the performance of each firm against itself for the period 2010–2013 to see if they show improvement or deterioration in operating efficiency.

Details

Applications of Management Science
Type: Book
ISBN: 978-1-78441-211-1

Keywords

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Article
Publication date: 4 September 2009

Rashmi Malhotra and D.K. Malhotra

The purpose of this paper is to measure the effectiveness of the integration of Europe by benchmarking economic progress made by the participating nations.

Abstract

Purpose

The purpose of this paper is to measure the effectiveness of the integration of Europe by benchmarking economic progress made by the participating nations.

Design/methodology/approach

Using data envelopment analysis, this paper compares the relative performance of 26 European Union (EU) nations against one another with seven economic variables as the benchmark parameters from 1999 to 2006.

Findings

The paper finds that not all the participating nations were equally efficient at the beginning of the economic integration in 1999. Economic integration does help in achieving convergence in economic performance of 26 EU nations, because 18 of the 26 nations were efficient in 2002. However, this paper finds that after 2002, there is a lack of convergence in the performance of 26 EU nations and some nations have performed more efficiently in contrast to other nations.

Originality/value

The paper identifies the member nations that are lagging behind and make recommendations as to how they can improve their performance to bring them at par with other participating nations.

Details

International Journal of Commerce and Management, vol. 19 no. 3
Type: Research Article
ISSN: 1056-9219

Keywords

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Book part
Publication date: 11 September 2020

Rashmi Malhotra, D.K. Malhotra and Robert Nydick

The economic crisis has its roots in the financial services industry, but it certainly impacted the higher education in a way that has far-reaching implications for the…

Abstract

The economic crisis has its roots in the financial services industry, but it certainly impacted the higher education in a way that has far-reaching implications for the colleges and universities in the United States. With unemployment rates of 8% and above, it made it difficult for families to send their kids to colleges and as a result colleges faced decline in enrollments and pressure to cut costs. Discount rates at almost all universities with an average size of 8,000 or less went up significantly. Academic departments at various universities came under pressure to get leaner and perform better with fewer resources. In this study, we benchmark the financial performance of public universities and private universities against each other as well as against themselves over the years by using data envelopment analysis model. The study also compares universities, public and private, with less than 3,000 students and more than 3,000 students against each other as well as over a period of time. The study is important as it will help university policy makers identify their strengths and weaknesses so that they can capitalize on their strong academic programs and make changes to fix weaker academic programs.

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Book part
Publication date: 5 May 2017

Rashmi Malhotra, D. K. Malhotra and Akash Dania

The economic crisis of 2007–2009 had a major negative impact on financial institutions in general. Health and life insurance industry continues to face growth challenges…

Abstract

The economic crisis of 2007–2009 had a major negative impact on financial institutions in general. Health and life insurance industry continues to face growth challenges even six years after the economic crisis. Due to the challenges faced by health and life insurance industry, several companies in this industry have merged and some decided to get out of this business altogether. This study benchmarks 10 life and health insurance companies on the basis of return on equity, investment yield, and loss ratio for the year 2009 and 2014.

Details

Applications of Management Science
Type: Book
ISBN: 978-1-78714-282-4

Keywords

Content available
Book part
Publication date: 11 September 2020

Abstract

Details

Applications of Management Science
Type: Book
ISBN: 978-1-83867-001-6

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Book part
Publication date: 20 August 2018

Rashmi Malhotra and D. K. Malhotra

Real estate investment trusts (REITs) provide a mechanism through which investors can participate in the real estate market with liquidity and transparency. In this study…

Abstract

Real estate investment trusts (REITs) provide a mechanism through which investors can participate in the real estate market with liquidity and transparency. In this study, we benchmark the performance of 11 residential REITs for the period 2009–2013. The study tracks the performance of residential REITs through the economic crisis period. The data envelopment analysis (DEA) model uses well-performing units (efficiency of 1% or 100%) that are closest to the underperforming unit on the efficiency frontier as a “role model” (peer units) for the underperforming unit. In addition, the DEA model also calculates by how much a nonperforming unit should increase the output level or decrease the inputs level to be on the efficiency frontier (100%) (slack values). Thus, the DEA model identifies the underperforming units and the most feasible path to move to efficiency frontier. The DEA model identifies the peer units that are closely related to these units and calculates the value of the slack variables required to achieve the same efficiency level as their peers.

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Book part
Publication date: 7 October 2010

Rashmi Malhotra, D.K. Malhotra and C. Andrew Lafond

In this chapter, we illustrate the use of data envelopment analysis, an operations research technique, to analyze the financial performance of the seven largest retailers…

Abstract

In this chapter, we illustrate the use of data envelopment analysis, an operations research technique, to analyze the financial performance of the seven largest retailers in the United States by benchmarking a set of financial ratios of a firm against its peers. Data envelopment analysis clearly brings out the firms that are operating more efficiently in comparison to other firms in the industry, and points out the areas in which poorly performing firms need to improve.

Details

Applications in Multicriteria Decision Making, Data Envelopment Analysis, and Finance
Type: Book
ISBN: 978-0-85724-470-3

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Book part
Publication date: 12 April 2012

Rashmi Malhotra, Raymond R. Poteau and D.K. Malhotra

This study develops a multidimensional framework using data envelopment analysis (DEA) as a benchmarking tool to assess the performance of the commercial banks in India…

Abstract

This study develops a multidimensional framework using data envelopment analysis (DEA) as a benchmarking tool to assess the performance of the commercial banks in India. Using the DEA approach, this study compares the relative performance of 35 banks against one another with 8 variables as the benchmark parameters. This study finds that most of the banks are consistently performing well over a period from 2005 to 2009. The study also shows the areas in which inefficient banks are lagging behind and how they can improve their performance to bring them at par with the efficient commercial banks.

Details

Applications of Management Science
Type: Book
ISBN: 978-1-78052-100-8

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Book part
Publication date: 20 August 2018

Rashmi Malhotra, D. K. Malhotra, Elizabeth Mariotz and Raymond R. Poteau

In this chapter, we evaluate the dollar amount spent on advertising relative to sales, profit margin, and growth rates to study the effectiveness of advertising in today’s…

Abstract

In this chapter, we evaluate the dollar amount spent on advertising relative to sales, profit margin, and growth rates to study the effectiveness of advertising in today’s retail environment, and whether it leads directly to higher sales and increased profits affording positive earnings for the investor. The study illustrates the use of data envelopment analysis (DEA) technique to benchmark 16 apparel firms to evaluate the effectiveness of their advertising dollars on the sales, profit margin, growth, return on assets (ROA), return on equity (ROE), and return on investment (ROI).

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