• The Journal of Asian Finance, Economics and Business
• /
• v.9 no.1
• /
• pp.43-51
• /
• 2022

Platform lending or online lending, sometimes called peer-to-peer (P2P) lending, arose due to the digital revolution to meet people's requirements for simple fund borrowing. It quickly became an alternative to other traditional lending techniques, for example, loans banks. Along with the growth of P2P lending, several academics have investigated how information technology is used in financial services, emphasizing extended application methods. This study proposes an enhanced technology acceptance model (TAM) that investigates how consumers embrace P2P lending platforms by using quality of service and perceived risk as drivers of trust, relative advantage and compatibility as drivers of perceived usefulness. For the purpose of this study, we created a questionnaire, distributed it to clients of P2P lending platforms and fintech services in general in cities in Java, Indonesia. We received 290 replies to our questionnaire. The data was analyzed to test the hypotheses using structural equation modeling (SEM). The findings show that consumers' trust, relative advantage, perceived usefulness, and perceived ease of use in P2P lending platforms substantially affect their views toward adoption. The research's findings are useful for fine-tuning platform marketing strategies and putting strategic goals into action.

• Journal of Music and Human Behavior
• /
• v.2 no.1
• /
• pp.1-15
• /
• 2005

The purpose of this study is to develop Music Recall Technique for affect modification using programmed series of classical music, and further to apply the technique as therapeutic intervention for clients with anorexia nervosa. Music Recall Technique is composed of two sub-technique: first one is 'Music Recall(MR)' which is the way to reproduce of existing music on one's head and mind after listening to the music, and second intervention is 'Creative Music Recall(CMR)' which is the way to modify the exposed musical pieces or newly learned musical pieces. A client with anorexia nervosa with severe anxiety, anger and depression participated in this case study. The MRT is implemented in different stages pertaining to client's level of utilizing the music recall skill for the period of 10 sessions. Situations eliciting negative emotions were identified and music recalling was reinforced for the pertaining situation in order for the negative emotion to be coped and reduced by the end of session time. The client participated for 10 sessions, and was asked to fill out self-report on the affect change using MRT. Visual Analogue Scale was used for pre and post test for each session to measure the self perceived level of negative affect. State-trait anxiety inventory was also used to measure the anxiety level following the implementation of MRT. As results, negative emotions, such as anxiety, anger and depression were modified during stimulative-sedative music recall process. These negative emotions were decreased mostly during stimulative MR, especially, in the beginning process. Each negative affect on negative situation measured by VAS during each and entire session have been decreased. Negative emotion measured by state-trait anxiety inventory, state-trait anger expression inventory, and hopelessness-depression inventory were decreased as well. The results suggest that stimulative music using contemporary classic music was effective in reduction and modification of negative affect such as anxiety, anger and depression. It shows that Music Recall Technique can be a meaningful intervention for affect modification, and further it can be utilized as self-help in the outside of music therapy setting.

• Journal of Korean Society of Occupational and Environmental Hygiene
• /
• v.21 no.3
• /
• pp.168-176
• /
• 2011

Objectives: Hundreds of thousands of call center workers are wearing an acoustic device for their businesses, such as telemarketing and customer counseling, and the number of the workers are increasing sharply. Because call center workers always talk to dozens of customers over the headset, they would be placed under the state of a higher risk with their hearing ability. The purpose of this study is to investigate factors that affect the hearing thresholds for the call center workers. Methods: This study investigated hearing losses of 101 workers of 5 call centers in Korea by executing puretone audiometry and self-administered questionnaires. A cross table analysis was processed to compare gender differences between male and female. Male and female hearing thresholds were compared with the Students' t-test, and one-way ANOVA was conducted to observe the difference between non-occupational and occupational characteristics in 2, 3, 4, 6, and 8 kHz hearing thresholds for the female workers. Additionally, multiple regression analysis was conducted to find the factors that affect the 4 kHz hearing thresholds. Results and Conclusions: Male hearing thresholds were higher than those of female except for 8 kHz. In the group having an ear related disease, hearing threshold of male left ear was highly affected rather than that of female in 4 kHz. There were significant differences in the variables of alcohol drinking (2 kHz) and headset volume (8 kHz) in both ears. While this study does not show any significant factors that affect the hearing thresholds in the occupational characteristics, the gender and the previous ear related diseases, non-occupational characteristics, were found as the factors in 4 kHz. It is suggested that the more detailed survey be performed to identify the occupational factors that affect the hearing thresholds in the call center workers based on the result derived from this study.

• Journal of the Korean Society of Safety
• /
• v.23 no.2
• /
• pp.65-71
• /
• 2008

As the interest in traffic safety has been increasing recently, social movement is being made to reduce the number of traffic accidents and the view on improving the mobility of the existing roads is being converted into on establishing traffic safety as a priority. The increase of traffic accidents related to an intersection in a state that traffic accidents are decreasing overall may suggests the necessity to investigate the specific causes. In addition, we have to consider them when establishing the measures against traffic accidents in a intersection by investigating and analyzing the influences and factors that may affect traffic accidents. To induce the accident severity model, we collected the factors that affect accidents and then applied the Poisson Regression Model among nonlinear regression analysis by verifying the distribution of variables. As a result of the analysis, it turned out that the volume of traffic on main roads, the right turn ratio on sub-roads, the number of ways out on sub-roads, the number of exclusive roads for a left turn, the signals for a right turn on main roads, and an intersect angle were the factors that affect the accident severity.

• Korean Journal of Health Education and Promotion
• /
• v.18 no.1
• /
• pp.17-33
• /
• 2001

The purpose of this study was to identify the major factors affecting performance in health promoting lifestyles in continuous ambulatory peritoneal dialysis(CAPO) patients. The subjects for this study were 98 CAPO patients living in Pusan city. The data for this study were collected from October 15th, 1999 to January 15th, 2000 by structured questionaries. Statistical analysis was done using SPSS softwares. The results were as follows: 1. The average score of performance in the health promoting lifestyles was 2.34. The variable with the highest degree of performance was self-actualization and nutrition, whereas the one with the lowest degree was exercise. 2. In the subscale of the health promoting lifestyles, especially educational level, marital state and CAPO period, there was significant differences between demographic variables and performance in the health promoting lifestyles. 3. The activity-related affect, situational influences, self-efficacy, and perceived barriers in the behavior-specific cognitions and affect have a significant correlation with performance in the health promoting lifestyles. 4. The most important variable that affects the performance in the health promoting lifestyles was situational influences, and the self-efficacy, perceived barriers, every monthly treatment cost, duration of chronic renal failure followed in order, activity-related affect. Those six variables accounted for 38.3% among the variables in health promoting lifestyles.

• The Korean Journal of Ceramics
• /
• v.1 no.1
• /
• pp.29-34
• /
• 1995

Theoretical predictions were made for thermodynamically stable phases which formed when alkali(sodium and Potassium) vapors reacted with the 90% $Al_2O_3$-10% $Cr_2O_3$ refractory under coal gasifying atmosphere using the computer program of SOLGASMIX-PV. The calculation results showed that the stable compounds that formed were $X_2O$.$Al_2O_3$ and $X_2O$.$llAl_2O_3$(X=$Na^+$ or $K^+$), depending upon the alkali concentration. The presence of sulfur in gasifying atmospheres did not appear to affect the species of alkali reaction products. Alkali attack at high temperatures is likely to cause serious degradation at the hot face of the refractory, indicating that the alkali concentration is an important factor to affect the degradation of the refroctory.

• Journal of the Korean Home Economics Association
• /
• v.47 no.9
• /
• pp.83-90
• /
• 2009

The purpose of this study was to investigate advertising avoidance of the Internet fashion advertising. Three hundred and thirty college students living in Seoul and its suburb participated in this study. For data analysis, descriptive statistics, reliability, and Structure Equation Modeling were used. The results were as follows. First, an ‘informativeness’ and ‘entertainment’ of advertisement affected negatively on fashion advertising avoidance. Second, ‘the perceived intrusiveness’ of advertisement did not affect significantly on fashion advertising avoidance. Third, ‘the clutter’ of advertisement did affect positively on advertising avoidance. Based on these results, this study would provide Internet fashion marketers more efficient Internet fashion advertising strategies.

• The Transactions of the Korean Institute of Electrical Engineers
• /
• v.43 no.2
• /
• pp.251-258
• /
• 1994

To apply the Power MOSFET to the high powerd circuits, the parallel operation of the Power MOSFET must be considered because of their low power rating. This means, in practical applications, design methods for the parallel operations are required. However, it is very difficult to investigate the problem of parallel operations by directly changing the internal parameters of the MOSFET. Thus, in this paper, the effects of internal parameters for the parallel operation are investigated using SPICE program which is often used and known that the program is very reliable. The investigation results show that while the gate resistance and gate capacitances are the parameters which affect to the dynamic switching operations, the drain and source resistances are the parameters which affect to the steady-state current unbalances. Through this investigation, the design methods for the parallel operation of the MOSFET are suggested, which, in turn, contributes to the practical use of Power MOSFETs.

• 한국전산유체공학회:학술대회논문집
• /
• 2003.10a
• /
• pp.207-208
• /
• 2003

Increasing interest in indoor air quality (IAQ) control has been found because of its serious effect on human health. To evaluate IAQ, thermal comfort in terms of temperature and velocity distributions of indoor air has to be analyzed in detail. Choice of location for installation of air-conditioner in a building will affect the performance of cooling effect and thermal comfort on the occupants, which in turn will affect the indoor air quality (IAQ) of the building. In this paper, we present a discussion on the proper location of the air-conditioner in order to obtain good thermal comfort for occupant of a typical bedroom in Macao. A set of carefully designed numerical experiments is run with the Computational Fluid Dynamics (CFD) software FLOVENT 3.2 [1]. Reynolds averaged Navier-Stokes equations are solved with finite volume technique and turbulence effects upon the mean flow characteristics is modeled with the k - & model. Assumption of steady state environment is made and only convective and conductive heat transfer from the occupant and air-conditioner are being concerned.

• Korean Medical Education Review
• /
• v.13 no.2
• /
• pp.25-37
• /
• 2011

Purpose: Core competencies for becoming a good physician have been the focus of recent discussion. Understanding students' state of mind should be included in this analysis. Thus, the purpose of this study was to review recent research papers on subjective well-being in medical education and propose some suggestions. Methods: A selective search was conducted of the literature that has been published since 2000 in the Medline, Riss4U, ERIC, and KoreaMed databases using the search terms "happiness", "subjective well-being", "satisfaction", and "stress". Thirty seven studies were included in this review. Each was categorized according to 3 subjects (satisfaction, positive affect, negative affect). Results: Most studies showed relatively high levels of distress in medical students, which was related to academic worries. Although medical students were under a great deal of distress, they regarded help-seeking behavior for their distress as weakness or something negative. Conclusion: To decrease medical students' distress and sustain their well-being, there should be a change in students' awareness through curriculum, teaching methods, and coping strategies in medical education.