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Developing an efficient credit scoring model to reduce the risk of personal-loan defaulters involves the selection of manageable reliable predictor variables in order to avoid the potential clients from providing too much information and to reduce the burden of a bank from keeping huge historical data, which can be burdensome and costly. The objective of this paper is therefore to illustrate how compromised-AHP can be used as one the methods to select such relevant reliable predictor variables before the final credit scoring model is constructed. A case study involving four experts from a bank was conducted. A set of sub-predictor variables under four main predictor variables namely financial indicators, demographic Indicators, employment indicators, and behavioural indicators was rated based on the perception of the four experts. The results reveal that, based on the experts' perception, the number of payments per year and payment interval, the loan or credit history, total income, total debt, the checking accounts, and age are the six most influential predictor variables while race, gender, and social status are the three least influential predictor variables.

The quality of government service delivery has been questioned lately. Issues regarding bureaucratic red tape, inefficiency, delay, unresponsive, lack of empathy, and arrogance are some of the complaints received by the Public Complaint Bureau. Based upon this background, this paper attempts to examine the quality of service delivery in some selected local governments in Perak. The study utilizes a quantitative approach in which questionnaire surveys were distributed to local government staff and clients. A total of 500 customers and 150 staff participated in the survey. Using descriptive analysis, the findings demonstrate that the overall quality service delivery is satisfactory. Both citizens and staff feel that the local government involved in the study are able to deliver their services based on the needs of the clients. However, respondents also raise some serious concerns regarding certain issues such as lack of facilities (park and cleanliness ofpublic toilet), improper maintenance (drainage are clogged, recreational facilities are not maintained), and the availability of facilities and program for disable (OKU) group. The study postulates that the different level of satisfaction among the five selected local governments is due to the demographic characteristics of the government. To be specific, the more urban the government, the more it can generate the revenues, thus giving it more flexibility to provide quality service delivery to the customers. On the other hand, with adequate staff training and greater citizen empowerment, local government can always strive to ensure that services delivered are always effective and efficient.

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Setting priorities and making decisions on allocation and reallocation of university resources based on the direction of the university as translated in its strategic plan must be executed with transparency and accountability and will be of great importance. It is becoming even more crucial, particularly for universities in Malaysia with the recent budget cut imposed by the Malaysian government. In this paper, we proposed an implementation of Program-Budget Marginal-Analysis (PBMA) which is currently being employed for strategic budget planning in the health industry to be applied for the university strategic budget plan as part of the overall strategic planning process. Firstly, the similarities between the steps in PBMA with the steps involved in planning and executing the university strategic plan were studied. Next, the existing PBMA was adjusted and modeled to suit the needs of the steps involved in selecting and allocating budget for the students of U-ABC’s 2017 development activities. The outcome of this implementation using 0-1 integer programming model showed that the targeted achievements could be realized within the allocated budget that was provided by the university. This adjusted-PBMA will be useful and suitable to be implemented by organizations with key performance indicator-oriented programs and having limited budget allocation issues.