• KSCE Journal of Civil and Environmental Engineering Research
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• v.42 no.6
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• pp.869-877
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• 2022

This study aims to analyze the factors affecting the re-subscription period upon initial termination of the reverse mortgage subscription. The study utilized the Korea Housing Finance Corporation's database to extract the information regarding re-subscribers of the reverse mortgage from July 2007 to June 2021. The ordered logit model was employed and found that a set of user (subscriber) characteristics are influential towards the re-subscription period. Among the individual characteristics, changes in age group, marital status from married to single-living, maintaining single-living, and the initial subscription period were found statistically significant, highlighting that the increase in the initial subscription period decreased the re-subscription period. Among the housing (home equity) characteristics, changes in housing price and ownership type (single and partial ownership) were statistically significant, indicating that the change in ownership type decreases the re-subscription period. Lastly, the variables related to loan terms were found significant, revealing that changes in payout method and schedule were both increasing factors of the re-subscription period. Based on the findings, necessary policy implications can be considered to secure the returning subscribers of the reverse mortgage effectively.

• Journal of Korean Society of Environmental Engineers
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• v.32 no.3
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• pp.234-240
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• 2010

The effectiveness of adding powdered zeolite and granular activated carbon (GAC) before starvation into biological reactor for recovering its performances was investigated. Two types of carrier addition in Sequencing Batch Reactor (SBR) system for non-saline and saline wastewater were evaluated after starvation periods. During the experiment, settleablity (SVI), floc size, fractal dimension, $COD_{Mn}$, T-N, T-P removal efficiencies and recovery time were monitored. When the wastewater feeding was resumed after starvation period for 5days, the SVI increased at the beginning of resumption and then decreased with time in both types. And the larger the floc size and fractal dimension of floc, the more increased removal efficiency for $COD_{Mn}$, T-N and T-P was also. Its performance recovery was strongly correlated with floc size and fractal dimension of activated sludge. After resuming the wastewater feeding, the SVI, floc size, fractal dimension, $COD_{Mn}$, T-N, T-P removal efficiency of SBR with carrier improved and reached its initial value faster compared to those of SBR without carrier.