As the senior loan officer in a bank, your job is to verify that the loans being made by the bank are just and equitable for all involved, in particular, for the loan applicants and to protect the interests of your employer.

One of the tools employed by the bank is a logistic regression spreadsheet which has, as its output, approval status of the loan (0 = not approved, 1 = approved).

The output from a recent run of loan applicants has a classification table and accuracy statistics given in Figure 1.

Figure 1

Classification Table Suc-Obs Fail-Obs LAAAAAAAAAAL LAAAAA Suc-Pred 6 7 Fail-Pred 2 11 13 LAAAAAA 12 20 Accuracy 0.75 0.916667 0.85 Cutoff 0.6 OClassification Table Suc-Obs Fail-Obs LAAAAAAAAAAA LAAAAA Suc-Pred 8 Fail-Pred 1 11 12 LAAAAAA 8 12 20 Accuracy 0.875 0.916667 0.9 Cutoff 0.5Daniels Fund Ethical Principles Daniels Ethics Principle Rank Principles Descriptions Violated Violation Integrity Act with honesty in all situations Trust Build trust in all stakeholder relationships Accountability Accept responsibility for all decisions Maintain open and truthful Transparency communications Fairness Engage in fair competition and create equitable and just relationships Respect Honor the rights, freedoms, views, and property of others Rule of Law Comply with the spirit and intent of laws and regulations Create long term value for all relevant Viability stakeholders