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Credit risk assessment has become an important topic in financial risk administration. Fuzzy clustering analysis has been applied in credit scoring. Gustafson-Kessel (GK) algorithm has been utilised to cluster creditworthy customers as against non-creditworthy ones. A good clustering analysis implemented by good Initial Centres of clusters should be selected. To overcome this problem of Gustafson-Kessel (GK) algorithm, we proposed a modified version of Kohonen Network (KN) algorithm to select the initial centres. Utilising similar degree between points to get similarity density, and then by means of maximum density points selecting; the modified Kohonen Network method generate clustering initial centres to get more reasonable clustering results. The comparative was conducted using three credit scoring datasets: Australian, German and Taiwan. Internal and external indexes of validity clustering are computed and the proposed method was found to have the best performance in these three data sets. [ABSTRACT FROM AUTHOR]

A deterministic model for the transmission dynamics of a strain of dengue disease, which allows transmission by exposed humans and mosquitoes, is developed and rigorously analysed. The model, consisting of seven mutually-exclusive compartments representing the human and vector dynamics, has a locally-asymptotically stable disease-free equilibrium (DFE) whenever a certain epidemiological threshold, known as the basic reproduction number(R(0)) is less than unity. Further, the model exhibits the phenomenon of backward bifurcation, where the stable DFE coexists with a stable endemic equilibrium. The epidemiological consequence of this phenomenon is that the classical epidemiological requirement of making R(0) less than unity is no longer sufficient, although necessary, for effectively controlling the spread of dengue in a community. The model is extended to incorporate an imperfect vaccine against the strain of dengue. Using the theory of centre manifold, the extended model is also shown to undergo backward bifurcation. In both the original and the extended models, it is shown, using Lyapunov function theory and LaSalle Invariance Principle, that the backward bifurcation phenomenon can be removed by substituting the associated standard incidence function with a mass action incidence. In other words, in addition to establishing the presence of backward bifurcation in models of dengue transmission, this study shows that the use of standard incidence in modelling dengue disease causes the backward bifurcation phenomenon of dengue disease.