Promoting Variable Effect Consistency in Mixture Cure Model for Credit Scoring

<div>Kaplan–Meier curves stratified by different groups: (a) divided by the median of <svg height="12.1136pt" id="M240" style="vertical-align:-0.1933994pt" version="1.1" viewbox="-0.0498162 -11.9202 20.2439 12.1136" width="20.2439pt" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"><g transform="matrix(.013,0,0,-0.013,0,0)"><path d="M494 0V32C450 38 426 53 393 105L296 260C330 305 354 338 375 361C411 396 421 401 476 410V442H293V410C332 402 337 394 323 371C311 351 295 324 274 293L227 371C213 393 218 402 252 410V442H16V410C70 402 80 391 108 344L196 199C166 159 140 123 115 95C81 54 61 43 7 32V0H196V32C156 41 150 53 167 81C182 105 199 138 219 166L269 79C287 49 283 38 245 32V0H494Z"></path></g><g transform="matrix(.0091,0,0,-0.0091,6.29,-5.741)"><path d="M601 496C596 554 591 628 591 675H567C551 656 544 650 516 650H120C91 650 79 651 64 675H41C39 619 34 554 29 492H63C75 537 83 566 96 582C109 604 129 612 207 612H272V126C272 47 264 38 170 33V0H464V33C367 38 359 48 359 126V612H430C503 612 518 605 535 582C547 566 557 541 567 492L601 496Z"></path></g><g transform="matrix(.013,0,0,-0.013,12.524,0)"><path d="M563 442L553 454L479 439C463 404 440 354 416 322H414C389 422 344 454 283 454C151 454 21 310 21 162C21 48 73 -12 135 -12C182 -12 249 19 325 126H327C339 20 368 -12 407 -12C452 -12 507 21 557 110L530 136C508 107 493 92 480 92C462 92 453 123 430 253C459 292 528 386 563 442ZM318 186C290 133 235 76 202 76C175 76 154 108 154 184C154 275 198 406 247 406C288 406 313 294 318 186Z"></path></g></svg> and (b) divided by the median of <span class="nowrap"><svg height="15.1539pt" id="M241" style="vertical-align:-3.2337pt" version="1.1" viewbox="-0.0498162 -11.9202 20.518 15.1539" width="20.518pt" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"><g transform="matrix(.013,0,0,-0.013,0,0)"><path d="M494 0V32C450 38 426 53 393 105L296 260C330 305 354 338 375 361C411 396 421 401 476 410V442H293V410C332 402 337 394 323 371C311 351 295 324 274 293L227 371C213 393 218 402 252 410V442H16V410C70 402 80 391 108 344L196 199C166 159 140 123 115 95C81 54 61 43 7 32V0H196V32C156 41 150 53 167 81C182 105 199 138 219 166L269 79C287 49 283 38 245 32V0H494Z"></path></g><g transform="matrix(.0091,0,0,-0.0091,6.29,-5.741)"><path d="M601 496C596 554 591 628 591 675H567C551 656 544 650 516 650H120C91 650 79 651 64 675H41C39 619 34 554 29 492H63C75 537 83 566 96 582C109 604 129 612 207 612H272V126C272 47 264 38 170 33V0H464V33C367 38 359 48 359 126V612H430C503 612 518 605 535 582C547 566 557 541 567 492L601 496Z"></path></g><g transform="matrix(.013,0,0,-0.013,12.524,0)"><path d="M584 573C584 646 528 703 441 703C387 703 327 679 274 632C202 568 166 493 132 302L57 -122C43 -201 35 -214 21 -227L25 -246C54 -244 122 -236 156 -203C168 -191 175 -162 195 -40L261 369C291 556 318 652 391 652C431 652 465 620 465 543C465 497 449 456 408 422C395 411 364 405 340 403L309 336C386 319 447 279 447 188C447 105 419 50 329 50C290 50 253 63 226 77L216 55C218 23 252 -16 286 -16C324 -16 369 3 419 31C488 69 575 149 575 238C575 325 516 369 437 400C516 443 584 486 584 573Z"></path></g></svg>.</span></div>

Discrete Dynamics in Nature and Society

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Figure 1

Figure 1: Promoting Variable Effect Consistency in Mixture Cure Model for Credit Scoring 