This study deals with the impact of Vietnam bank size, loans, credit risk, and liquidity on Vietnam banks’ net interest margin, which are crucial for economic development. High profit margins result in a lower bad debt ratio due to timely loan collection and good liquidity. This study applies a panel data model to evaluate the relationship among bank size, loans, credit risk, liquidity, and marginal profitability, which are increasingly important in commercial bank growth. Data were collected from 2010 to 2022, and test methods were applied to select a good-fit model. Realizing that the factors that have a close correlation and affect the profit margin are 33.6% and 16.07%, 75.2%, 37.51%, 64.30%, and 41.11%, and R2 is 59.04%, respectively, this suggests that financial managers need to develop appropriate strategies and policies to adjust the factors that adversely affect commercial bank profitability.

Fire hazard is often mapped as a static conditional probability of fire characteristics’ occurrence. We developed a dynamic product for operational risk management to forecast the probability of occurrence of fire radiative power in the locally possible near-maximum fire intensity range. We applied standard machine learning techniques to remotely sensed data. We used a block maxima approach to sample the most extreme fire radiative power (FRP) MODIS retrievals in free-burning fuels for each fire season between 2001 and 2020 and associated weather, fuel, and topography features in northwestern south America. We used the random forest algorithm for both classification and regression, implementing the backward stepwise repression procedure. We solved the classification problem predicting the probability of occurrence of near-maximum wildfire intensity with 75% recall out-of-sample in ten annual test sets running time series cross validation, and 77% recall and 85% ROC-AUC out-of-sample in a twenty-fold cross-validation to gauge a realistic expectation of model performance in production. We solved the regression problem predicting FRP with 86% r² in-sample, but out-of-sample performance was unsatisfactory. Our model predicts well fatal and near-fatal incidents reported in Peru and Colombia out-of-sample in mountainous areas and unimodal fire regimes, the signal decays in bimodal fire regimes.

This paper assesses South Africa’s massive infrastructure drive to revive growth and increase employment. After years of stagnant growth, this is now facing a deep economic crisis, exacerbated by the COVID-19 pandemic. This drive also comes after years of weak infrastructure investment, widening the infrastructure deficit. The plan outlines a R1 trillion investment drive, primarily from the private sector through the Infrastructure Fund over the next 10 years (Government of South Africa, 2020). This paper argues that while infrastructure development in South Africa is much-needed, the emphasis on de-risking for private sector buy-in overshadows the key role the state must play in leading on structurally transforming the economy.

There is a large literature on public-private-partnership, covering many different areas and aspects. This article deals with a specific but important aspect: the decision-making mechanisms to choose the management of PPP enterprises. In this sector, a suitable choice of managers is of particular importance because the persons chosen must balance the public and private interests. This is often difficult to achieve. Two new procedures are discussed, “Directed Random Choice” and “Rotating CEOs”. In each case, the advantages and disadvantages of the procedure of choosing the managers of PPP enterprises are discussed and evaluated. It is concluded that the two novel mechanisms should be seriously considered when choosing the managers of PPP enterprises.

Fire, a phenomenon occurs in most parts of the world and causes severe financial losses, even, irreparable damages. Many parameters are involved in the occurrence of a fire; some of which are constant over time (at least in a fire cycle), but the others are dynamic and vary over time. Unlike the earthquake, the disturbance of fire depends on a set of physical, chemical, and biological relations. Monitoring the changes to predict the occurrence of fire is efficient in forest management. Method: In this research, the Persian and English databases were structurally searched using the keywords of fire risk modeling, fire risk, fire risk prediction, remote sensing and the reviewed papers that predicted the fire risk in the field of remote sensing and geographic information system were retrieved. Then, the modeling and zoning data of fire risk prediction were extracted and analyzed in a descriptive manner. Accordingly, the study was conducted in 1995-2017. Findings: Fuzzy analytic hierarchy process (AHP) zoning method was more practical among the applied methods and the plant moisture stress measurement was the most efficient among the remote sensing indices. Discussion and Conclusion: The findings indicate that RS and GIS are effective tools in the study of fire risk prediction.