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Air pollution is the entry or inclusion of living things, energy substances, and other components into the air. Moreover, Air pollution is the presence of one or several contaminants in the outside atmospheric air such as dust, foam, gas, fog, smoke or steam in large quantities with various properties and time intervals of the contaminants in the air resulting in disturbances to the lives of humans, plants or animals. One of the parameters measured in determining air quality is PM 2.5. However, PM 2.5 has a higher probability of being able to enter the lower respiratory tract because small particle diameters can potentially pass through the lower respiratory tract. In this paper, we will get two different insight. First, the probability of status change using Markov chain and second, forecasting by using VAR-NN-PSO. More details we classify by three classifications no risk (1-30), medium risk (30-48), and moderate (>49) in Pingtung and Chaozhou. This data is starting from January 2014 to May 2019 and it can be modeled with the Markov chain. At the same time, we perform Hybrid VAR-NN-PSO to forecast PM 2.5 in Pingtung and Chaozhou. In this optimization, the search for best solutions is carried out by a population consisting of several particles. Based on the results of the discussion, opportunities for the transition from monthly status change are obtained continuous stochastic time with a stationary probability distribution. Regarding the VAR-NN-PSO, we obtained the mean absolute percentage error (MAPE) 3.57% for PM 2.5 data in Pingtung and 4.87% for PM 2.5 data in Chaozhou, respectively. This model can be predicted to forecasting 180 days ahead. Besides, the population in PSO has generated randomly with the smallest value and the high value the accuracy.

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Background and objectives: The impacts of COVID-19 are like two sides of one coin. During 2020, there were many research papers that proved our environmental and climate conditions were improving due to lockdown or large-scale restriction regulations. In contrast, the economic conditions deteriorated due to disruption in industry business activities and most people stayed at home and worked from home, which probably reduced the noise pollution. Methods: To assess whether there were differences in noise pollution before and during COVID-19. In this paper, we use various statistical methods following odds ratios, Wilcoxon and Fisher’s tests and Bayesian Markov chain Monte Carlo (MCMC) with various comparisons of prior selection. The outcome of interest for a parameter in Bayesian inference is complete posterior distribution. Roughly, the mean of the posterior will be clear with point approximation. That being said, the median is an available choice. Findings: To make the Bayesian MCMC work, we ran the sampling from the conditional posterior distributions. It is straightforward to draw random samples from these distributions if they have regular shapes using MCMC. The case of over-standard noise per time frame, number of noise petition cases, number of industry petition cases, number of motorcycles, number of cars and density of vehicles are significant at α=5%. In line with this, we prove that there were differences of noise pollution before and during COVID-19 in Taiwan. Meanwhile, the decreased noise pollution in Taiwan can improve quality of life.

The exposure rate to air pollution in most urban cities is really a major concern because it results to a life-threatening consequence for human health and wellbeing. Furthermore, the accurate estimation and continuous forecasting of pollution levels is a very complicated task.  In this paper, one of the space-temporal models, a vector autoregressive (VAR) with neural network (NN) and genetic algorithm (GA) was proposed and enhanced. The VAR could tackle the issue of multivariate time series, NN for nonlinearity, and GA for parameter estimation determination. Therefore, the model could be used to make predictions, such as the information of series and location data. The applied methods were on the pollution data, including NOX, PM2.5, PM10, and SO2 in Taipei, Hsinchu, Taichung, and Kaohsiung. The metaheuristics genetic algorithm was used to enhance the proposed methods during the experiments. In conclusion, the VAR-NN-GA gives a good accuracy when metric evaluation is used. Furthermore, the methods can be used to determine the phenomena of 10 years air pollution in Taiwan.

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Purpose Despite the practice of credit card services by Islamic financial institutions (IFIs) is debatable, Islamic banks (IBs) have been offering this product. Both Muslim and non-Muslim customers have subscribed to the products. Thus, it is critical to analyse the strategy of IBs’ moral messages in reminding their Muslim and non-Muslim customers to repay their credit card debts. This paper aims to investigate this issue in Indonesia using data mining via machine learning. Design/methodology/approach This study examines the IBs’ customers across the 32 provinces of Indonesia regarding their moral status in credit card debt repayment. This work considers 6,979 observations of the variables that affect the moral status of the IBs’ customers in repaying their debt. The five types of data mining via machine learning (i.e. Boruta, logistic regression, Bayesian regression, random forest, XGBoost and spatial cluster) are used. Boruta, random forest and XGBoost are used to select the important features to investigate the moral aspects. Bayesian regression is used to get the odds and opportunity for the transition of each variable and spatially formed based on the information from the logistical intercepts. The best method is selected based on the highest accuracy value to deliver the information on the relationship between moral status categories in the selected 32 provinces in Indonesia. Findings A different variable on moral status in each province is found. The XGBoost finds an accuracy value of 93.42%, which the three provincial groups have the same information based on the importance of the variables. The strategy of IBs’ moral messages by sending the verse of al-Qur’an and al-Hadith (traditions or sayings of the Prophet Muhammad PBUH) and simple messages reminders do not impact the customers’ repaying their debts. Both Muslim and non-Muslim groups are primarily found in the non-moral group. Research limitations/implications This study does not consider socio-economic demographics and culture. This limitation calls future works to consider such factors when conducting a similar topic. Practical implications The industry professionals can take benefit from this study to understand the Indonesian customers’ moral status in repaying credit card debt. In addition, future works may advance the recent findings by considering socio-cultural factors to investigate the moral status approach to Islamic credit warnings that is not covered by this study. Social implications This work finds that religious text of credit card repayment reminders sent to Muslims in several provinces of Indonesia does not affect their decision to repay their debts. To some extent, this finding draws a social issue that the local IBs need to consider when implementing the strategy of credit card repayment reminders. Originality/value This study credits a novelty in the discourse of data science for Islamic finance practices. Specifically, this study pioneers an example of using data mining to investigate Islamic-moral incentives in credit card debt repayment.