Perhaps one of the business areas that faces the greatest risk each day is the lending industry. Banks, mortgage companies, and other types of lenders face one specific risk many times every day: Are they going to be paid back when they make a loan? Organizations that make their money by lending money must be able to anticipate risk and predict the likelihood that they will be paid back, with interest, or else their business model will fail and they will have to close their doors. In this Assignment, you will use R with two data sets to predict the risk of loan default for a lender, and then report and explain your results. 

Assignment Instructions 

Complete the following steps: 

1. Using the university’s online Library and Internet resources, research the lending industry. In a Word document, prepare a risk management plan outline for loan default risk faced by lenders. Include all five parts of risk management planning: Identification, Understanding, Data Preparation, Modeling and Application. Cite all sources used to prepare your risk management plan. 
2. Download the Loans.csv and Applicants.csv files. Import both of these as data frames into RStudio. Give each a descriptive name. Show this in your Word document.
3. Using the Loans.csv file, build a logistic regression model to predict the “Good Risk” dependent variable (use family=binomial() in the glm function in R). In this column, ‘1’ indicates that making the loan is a good risk for the lender; ‘0’ indicates that making the loan is a bad risk. Make sure that you do not use the Applicant ID as an independent variable! You will need to load the MASS package in R by issuing library(MASS), before using the glm function to build your model. Show the creation of the model in your Word document. 
4. In your Word document, document your logistic model’s output, and specifically explain which independent variables have the most predictive power and which have the least. Make sure you identify how you know, and explain why it matters. 
5. Apply your logistic regression model to the data in Applicants.csv to generate predictions of “Good Risk” for each loan applicant. If your glm model is stored in an R object called ‘LoanModel’, for example, and your Applicants.csv data is in a frame called ‘Appl’, then you would issue a command that looks like this: LoanPredictions <- predict(LoanModel, Appl, type=“response”). Document the application of your model to the Applications data in your Word document. 
6. In your Word document, interpret your predictions for the Applicants.csv data. Specifically address the following: 
   1. How many loans do you predict to be a good risk for the lender?
   2. How many are predicted to be a bad risk?
   3. What are your highest and lowest post-probability percentages for predictions?
   4. How many loans have at least a 75% post-probability percentage and what does that mean for the lender?
   5. How many loans have less than a 25% post-probability percentage and what does that mean for the lender?
   6. Suppose that the lender is willing to accept a little higher risk and has decided they will make loans to applicants who have post-probability percentages between 40% and 65%. List two things the lender could do to mitigate risk when lending to this group, and explain how these will help. 
7. Make sure that you cite at least five supporting sources beyond the textbook in support of your writing and explanations. Cite correctly in APA format.

Assignment Requirements 

Prepare your Assignment submission in Microsoft Word following standard APA formatting guidelines: Double spaced, Times New Roman 12-point font, one inch margins on all sides. Include a title page, table of contents and references page. You do not need to write an abstract. Label all tables and figures. Cite sources appropriately both in the text of your writing (parenthetical citations) and on your references page (full APA citation format). 

For more information on APA style formatting, refer to the resources in the Academic Tools section of this course. 

 PLEASE MAKE SURE THAT YOU USE ALL HEADINGS IN THE BOLD COLORED FONT, LEAVE THE HEADINGS AS THEY ARE DO NOT REWORD!!! 

this outline is how the discussion question should look 

Unit 7 Discussion 1: Research Design and Methodology Details

For this discussion your will discuss one of the methodological approaches you are considering for a proposed qualitative research study. In addition, choose and describe the sampling strategy that will be used for this methodological approach and provide a rationale for the sampling strategy. Plus, you will identify and justify the sample size for the sampling strategy, discuss the data collection procedures that will be used, and develop 10 open-ended questions to be used in a qualitative interview for the proposed study. You will incorporate the feedback you receive for this discussion into your Week 8 assignment. Leave all headings in the outline.

Qualitative Topic of Study

For this discussion include 2 sentences stating the topic of interest.

Proposed Qualitative Research Study

Include in 1 sentence the Research Question (as a question and not a statement).

Discuss one of the methodological approaches you are considering for a proposed qualitative research study.  

Sampling Strategy

Choose and describe the sampling strategy that will be used for this methodological approach.

Rationale to Methodological Approach

Provide a rationale for the sampling strategy for this methodological approach.

Make sure you include sources other than those provided by the university/course.

Sample Size

Identify and justify the sample size for the sampling strategy.

Data Collection

Discuss the data collection procedures that will be used for this methodological approach (if applied in the proposed study-if not, include the term non-applicable).

Interview Questions

Develop 10 open-ended questions to be used in a qualitative interview for the proposed study. Place at the end of your initial posting. Number the questions.

References

Include all references in alphabetical order. Refer to the APA manual. Make sure you include sources other than those provided by the university/course. Make sure you are using at least some references that have been published in the last three (3) years.

THESE ARE THE METHOLODGICAL APPROACHES TO CHOOSE FROM!!!

• Case study.
• Grounded theory.
• Phenomenology.
• Generic qualitative inquiry.

Please review the file attached to complete the assignment. 

Respond to Another Student: Review at least 1 other student’s Key Assignment Outline, and provide meaningful feedback. Refrain from general feedback, such as simply stating “good job.” Your feedback to other students is most helpful if you not only point out weak areas but also offer suggestions for improvement. The best feedback takes a three-stage approach to identify what was done well, weaknesses, and areas for improvement. 

400-600 word review response to the file attached. 

IT590-2: Discuss recent legislation related to ethical computing.

Purpose

This assignment allows you to place yourself in an ethical dilemma related to data security and privacy. You will analyze the scenario from a number of ethical perspectives, identify laws that are relevant for this scenario, and decide how you would respond to the situation.

Assignment Instructions

Select from one of the following scenarios:

1. You are the IT administrator for your company. One of the employees discovers a loophole in the security whereby the employees may access the personnel records of other employees in the company. Personnel records include names, addresses, Social Security numbers, disciplinary actions, annual reviews, and salary information. You are working on a time-sensitive project and do not fix the problem for 2 weeks. As you are fixing the problem, you note that several employees have accessed personnel records using the loophole.
2. You are the CIO of a large national auto retailer. As a part of your service, you offer auto loans through your dealerships. This requires your company to collect and store personally identifiable information on your customers. Additionally, you store customer bank account and credit card information so that customers can use automatic payment options for their loans. Recently, your company has been hacked, and a significant number of client accounts have been breached. The CEO is demanding that the IT group handle this privately rather than reporting the breach for fear that publicizing the information will have a negative effect on quarterly earnings.

Complete the following for your chosen scenario:

• Analyze your chosen scenario from the aspect of computing ethics and privacy ethics.
• Discuss the ethical dilemma from the perspective of societal ethics, organizational ethics, and individual ethics.
• Research on the Internet to determine what data security and privacy laws are relevant in this scenario.
• Describe each law and consequences for violation of the law.
• Discuss the reputational and financial impact this scenario might have on the organization.
• From the perspective of the IT administrator in Scenario 1, or the perspective of the CIO in Scenario 2, how would you respond to the situation? Justify your response from an ethical and legal perspective.

Assignment Requirements

1. Your paper should be 2–3 double spaced pages in length.
2. Use Times New Roman 12 pt font.
3. Use APA formatting for paper, citations, and references.
4. Be sure to cite your sources and provide the appropriate references.

Purpose

This assignment allows you to define cybercrime and the categories included under cybercrime. You will then examine laws related to cybercrime from three different countries and compare and contrast those laws. You will discuss the ethical dilemmas that can arise from these differences.

Assignment Instructions

• Define cybercrime and the categories of cybercrime.
• Research how cybercrime (either in general or with respect to certain crimes — e.g., hacking, identity theft, cyberstalking) is handled in at least three different countries (one can be the United States).
• Compare and contrast each country’s laws. What ethical issues arise as a result of differences in cybercriminal prosecution across cultures?
• How will your understanding of the differences among cultures affect your ability to make decisions within your company?

Assignment Requirements

1. Your paper should be a minimum of 3 double-spaced pages.
2. Use Times New Roman 12 pt font.
3. Use APA formatting for paper, citations, and references.
4. Be sure to cite your sources and provide the appropriate references.