• The Journal of Information Systems
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• v.25 no.2
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• pp.79-110
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• 2016

Purpose Online Peer-to-peer lending (hereafter P2P lending), is a new method of lending money to unrelated individuals through an online financial intermediary. Usually in the online P2P transaction, individuals who would like to borrow money (hereafter borrowers) and those who would like to lend money (hereafter lenders) have no previous relationship. Based on enormous previous studies, this study develops an integrated model, particularly for the online P2P lending environment in China, to better understand the critical factors that influence lenders' intention to lend money through the online P2P lending platform. Design/methodology/approach In order to verify the hypotheses, we develop a questionnaire with 42 survey items. We measured all the items on a five-point Likert-type scale. We use Sojump.com to collect questionnaire and gather 246 valid responses from registered members of Renrendai.com. We analyzed the main survey data by using SPSS 18.0 and AMOS 20.0. We first estimated the reliability, validity, composite reliability and AVE and then conduct common method bias test. The mediating role of trust in platform and in borrower has been tested. Last we tested the hypotheses through the structural model. Findings The results reveal that service quality, information quality, structural assurance, awareness and reputation significantly impact lenders' trust in the online P2P lending platform. Second, awareness, reputation and perceived risk significantly impact lenders' trust in borrower and lending intention. Third, trust propensity has a positive effect on lenders' trust on borrower. Last, awareness, reputation, perceived risk, platform trust and borrower trust can directly impact lenders' lending intention.

• Journal of the Korean Data and Information Science Society
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• v.23 no.6
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• pp.1145-1154
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• 2012

Recent research has been mostly focused on the differences of prenatal sex hormone could affect the ratio of the lengths of the second to fourth digits (2D:4D) as well as the rate of several physiological characteristics. It has been suggested that digit ratios are thought to be associated with either higher prenatal testosterone levels or greater sensitivity to androgens, or both. However, a study of person with disabilities are rare in Korea. The purpose of this study was to compare patterns of the ratio (2D:4D) of the lengths of the second and fourth digits in persons with disabilities and students without disabilities. Also, we empirically analyze the characteristics of persons with disabilities. We found that finger length ratio (2D:4D) of men with disabilities and student without disabilities were lower than women with disabilities and student without disabilities. Therefore, it could be confirmed that finger length ratio (2D:4D) is sexually dimorphic trait. There were no correlations between finger length ratio (2D:4D) and age group in persons with disabilities. Therefore, as with person without disabilities, the 2D:4D ratio was negatively associated with a growth process of persons with disabilities. Finally, There was no difference correlations between finger length ratio (2D:4D) and level of disability in persons with intellectual disabilities. From this, one possible explanation for this is that if finger length ratio (2D:4D) is related to person with disability then current classification of the level of disability deserves further investigation.

• Journal of Korea Spatial Information System Society
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• v.9 no.2
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• pp.55-66
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• 2007

There has been increasing concerns regarding marine mineral resources as the land energy resources has been depleting from worldwide energy crisis. Also, all the coastal countries around the world are getting into the high competition as EEZ implemented to widen each country's marine autonomy. Especially, the adoption of EEZ in UN's marine regulation agreement at the January of 1996 has aggravated conflicts among coastal countries and eventually resulted in critical agenda to determine the boundaries of EEZ among such countries. It is imperative for us to have negotiation with neighboring countries to determine the boundaries of EEZ. For the preparation of such negotiation, it is essential to have data such as mineral distribution, deep-sea geology, related agreement and marine laws, etc. Therefore, this study mainly concentrates on analyzing existing data of resources exploration and establishing standards for each type of data and manipulating data based on such standards, thereby building a database for more efficient management of EEZ data from marine resources survey. MRIS has also been developed to diversely analyze and visualize graphic and attribute data considering data usage and inter-relationship in the database. This system can provide various spatial analysis and spatial searching techniques to enable easier comparison of cost-benefit analysis and data provision of any area in EEZ thereby facilitating major policy making. In addition, the system can support sustainable management of marine resources of EEZ regions and data supply for systematic management of national marine resources. Furthermore, this will be very useful for negotiating with neighboring countries to determine EEZ boundaries to lead more favorable results.

• Journal of the Society of Cosmetic Scientists of Korea
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• v.37 no.1
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• pp.1-21
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• 2011

This review describes several kinds of emulsification methods for nanoemulsions and the application of nanoemulsions. Nanoemulsion droplet sizes fall typically in the range of 20 ~200 nm and show narrow size distributions. Although most of the publications on either oil-in-water (O/W) or water-in-oil (W/O) nanoemulsions have reported their formation by dispersion or high-energy emulsification methods, an increased interest is observed in the study of nano-emulsion formation by condensation or low-energy emulsification methods based on the phase transitions that take place during the emulsification process. Phase behaviour studies have shown that the size of the droplets is governed by the surfactant phase structure (bicontinuous microemulsion or lamellar) at the inversion point induced by either temperature or composition. Studies on nanoemulsion formation by the phase inversion temperature (PIT) method have shown a relation between minimum droplet size and complete solubilization of the oil in a microemulsion bicontinuous phase independently of whether the initial phase equilibrium is single or multiphase. Due to their small droplet size nanoemulsions possess stability against sedimentation or creaming with Ostwald ripening forming the main mechanism of nanoemulsion breakdown. An application of nanoemulsions is the preparation of nanoparticles using a polymerizable monomer as the disperse phase where nanoemulsion droplets act as nanoreactors, cosmetics and controlled drug delivery. In this review, we mainly focus on the cosmetics.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.21 no.3
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• pp.380-389
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• 2020

The conversion characteristics and fuel properties for producing biodiesel (BD) by blending beef-tallow, an animal waste resource with a high-saturated fatty acid content, and sunflower-oil, a vegetable oil with a high-unsaturated fatty acid content, were investigated. For this investigation, the effects of the control factors, such as the oil-blend ratio and methanol-to-oil molar ratio, on the fatty acid methyl ester and BD production yield were also investigated. The kinematic viscosity reduction effects of BD using heating and ultrasonic irradiation were verified, and the optimal temperature of each BD-diesel fuel blend for reducing the kinematic viscosity was derived using the correlation equation. As a result, the optimal conditions for producing blended biodiesel were verified to be TASU7 and a methanol-to-oil molar ratio of 10:1. The analysis results of the fuel properties of TASU7 satisfied the BD quality standard; hence, the viability of BD blended with waste tallow as fuel was verified. The experimental results on the kinematic viscosity reduction showed that heating is more effective in reducing the kinematic viscosity because it took less time than ultrasonic irradiation, and the equipment was cheaper and more straightforward than the ultrasonic irradiation method.

• KOREAN JOURNAL OF CROP SCIENCE
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• v.55 no.1
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• pp.70-75
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• 2010

In Korea, standard N application level was amended from 110 to 90kg per ha for high quality rice production in 2005. So far, N application method, however, has not been considered for yield and quality based on changed standard N application level. Therefore, this experiment was conducted to find out more efficient N application method for improving rice quality or labor saving under the amended standard N application level with several varieties at three site (Suwon, Iksan, and Milyang) for two years from 2005 to 2006. Top dressing of N at 15 days before heading compared to the standard (25 days before heading) showed improved rice qualities such as 1000 grain weight and head rice ratio without changing rice yield and protein content of brown rice. In addition, there were no significant differences in yield and quality between different N split application of 70-0-30% and 50-30-20%, indicating that the former would be useful for labor saving without yield decrease and quality deterioration.

• Journal of the Korean Geotechnical Society
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• v.32 no.6
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• pp.49-59
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• 2016

We develop liquefaction resistance curves, which represent the correlation between cyclic resistance ratio (CRR) and number of cycles (N) to estimate the build-up of residual excess pore pressure from simple shear tests performed for this study and also from published literature. The liquefaction curve is calculated from two models. The comparisons show that one of the models is not reliable because it underestimates CRR. The scatter of the data is shown to be significantly reduced when CRR is normalized to the resistance ratio at N = 15 ($CRR_{N=15}$). Use of the normalization is particularly useful because CRR can be easily estimated from field tests. From normalization, we propose mean, upper, and lower curves. The corresponding design equation and its parameters are also proposed. We believe that the proposed curves can be used for effective stress site response analyses and evaluation of the seismic performance of port structures.

• The Korean Journal of Food And Nutrition
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• v.10 no.1
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• pp.60-64
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• 1997

This study attempted to examine the effect on sensory characteristics and texture of Paeksolgi in various volume of adding sugar and steaming time. The most favorite tendency on the quality was over 15% adding sugar and 20 minute steaming time. Evaluation was conducted through objective evaluation firstly and sensory evaluation secondly. The volume of adding sugar was the significant factors which affected the textual characteristics of Paeksolgi. But steaming time and interaction had not affected. In sensory evaluation on the various steaming time Paeksolgi made by steaming time for 20min and over 15% adding sugar showed the most favorite tendency on the overall quality. This condition corresponded to the high level of hardness, adhesiveness, gumminess in comparison with Rheoner measurement. In summary the most favorite factor was 12 hours of soaking time, 10% adding water, 1% of adding salt, over 15% adding sugar, 20 minutes steaming time.

• Journal of the Korea Society of Computer and Information
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• v.12 no.3
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• pp.165-175
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• 2007

The mobile agent executes a given task by which the agent code moves to the server directly. Therefore, node migration method becomes an important factor which impact on the whole performance of distributed system. In this paper, we propose an adaptive migration path technique of mobile agent using the metadata of naming agent. In this proposed technique, node selection for migration depends on the content of referenced metadata, and the reliability of migrated information is determined by the metadata updating method and cooperative operations of individual agents in multi-agents system. For these, we design the metadata using by the number of hit documents, hit ratio, node processing time and network delay time, and describe the methods for creating, using and updating metadata for which determine the adaptive node migration path of mobile agent according to the cooperation of individual agents and number of hit documents using by designed metadata. And results of evaluated performance for proposed adaptive migration path technique through the proper experiment and analysis gain rate of high effective information earning, because of high hit ratio(72%) about of fathered documents by case of applying metadata move to the 13 nodes. But, in case of non-applying metadata is hit ratio(46%) of gathered documents and rate of effective information earning about of 26 nodes is 36.8%.

• Korean Journal of Environment and Ecology
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• v.30 no.2
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• pp.139-145
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• 2016

To search for habitat characteristics of myrmecochory Melampyrum species, diaspores and related ant species, habitat characteristics, collecting fruits and diaspores of three Melampyrum species, cafeteria experiments, and the related ant species were studied from May 2012 to November 2014. The habitat of Melampyrum species was south-facing open forest edge with slightly acidic soil and relatively shallow soiil layers. Major plants coexisting with Melampyrum species were four woody species including Quercus mongolica and four herbaceous species including Carex siderosticta. These Plants might be host plants of the Melampyrum species. The shape of the diaspore was an oval seed attached to the white cap on one side. Significant differences is proved between three plant species in weight of diaspores, seeds and and elaiosome ratios. Mean values of diaspores weight showed 10.6mg, 8.0mg and 7.2mg in M. setaceum var. nakaianum, M. roseum var. ovalifolium and M. roseum, respectively. The heaviest elaiosome is M. roseum var. ovalifolium with 1.2mg, M. setaceum var. nakaianum has 1.0mg and the lightest elaiosome is M. roseum with 0.8mg. Major ant species frequently transporting the diaspores of Melampyrum species are Myrmicinae four species; Myrmica kotokui, M. excelsa, Myrmecina nipponica and Aphaenogaster japonica. Further studies on Melampyrum species, hemiparasite annual myrmecochorous plant, and related ant species should be needed.