A logistic regression model for consumer default risk.

In this study, a logistic regression model is applied to credit scoring data from a given Portuguese financial institution to evaluate the default risk of consumer loans. It was found that the risk of default increases with the loan spread, loan term and age of the customer, but decreases if the customer owns more credit cards. Clients receiving the salary in the same banking institution of the loan have less chances of default than clients receiving their salary in another institution.

[HIV prevention using the operative group approach among men who have sex with men in São Paulo, Brazil].

This study aimed to evaluate the operative group as a preventive approach among men who have sex with men that use two public health services in the city of São Paulo, Brazil. One hundred volunteers were randomly allocated to two groups (intervention and control, with 50 each). All participants answered questionnaires in two phases: before the intervention and six months after its conclusion.