• The Journal of Asian Finance, Economics and Business
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• v.8 no.8
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• pp.497-502
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• 2021

This study aims to investigate the determinants of default risk of rural banks in East Java, Indonesia. The method used is descriptive verification and logistic regression analysis. The data used is secondary in the form of monthly annual financial reports of rural banks in East Java during the period 2009-2018. From the results, it was shown that net interest margin (NIM) as a proxy of market risk, non-performing loan (NPL) as a proxy of credit risk, operation efficiency as a proxy of operational risk and return on assets (ROA) as a proxy of profitability have a significant influence on default risk. Meanwhile, the loan to deposit (LDR) ratio as a proxy of liquidity risk has no significant influence on default risk. Banks need to implement risk management and meet the capital adequacy requirements of regulators so that they are resistant to risk, and also, compliant with bank governance to be able to produce high returns for rural banks have an impact on sustainability and its existence. The ability to identify setbacks in bank conditions and the ability to distinguish between healthy and problematic banks will enable to anticipate default banks.

• Journal of the Korean Operations Research and Management Science Society
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• v.24 no.2
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• pp.53-68
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• 1999

This paper presents a nonparametric method to test if the mean difference of DEA efficiency estimates between two groups statistically exists. A proposed method employs a bootstrapping approach to generation BCC efficiency estimates through Monte Carlo simulation resampling process. For the purpose of demonstration, we empirically apply the proposed method to the korean bank industry and compare its result with the result by the traditional deterministic DEA method. The nonparametric statistical hypothesis testing procedure in this study, which considers not only stochastic variability of the DEA data, but also random radial deviations off the efficient frontier, serves as a useful tool for dbjectively evaluating whether the mean difference of DEA efficiency estimates between groups is statistically significant.

• Proceedings of the KIEE Conference
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• 1991.07a
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• pp.478-481
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• 1991

This paper discusses the principle and structure of instantaneous voltage drop compensator, which protects damage from instantaneous voltage drop in systems such as computer, variable speed drive, high voltage discharge-lamp, magnet switch. When instantaneous voltage drop occurs, control circuits detect it, then produce output voltage the same as normal condition voltage. Instantaneous voltage drop compensator has condenser bank as energy storage component, so system can be made small, light weight compared with UPS. In normal state, utility source transfers power, and in instantaneous voltage drop state, the energy of condenser bank transfers power through inverter, so high efficiency, compact, and especially low cost system can be manufactured.

• The Journal of the Korea Contents Association
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• v.5 no.6
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• pp.351-359
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• 2005

Recently the researches pursuing for the efficiency of the whole field of society and economy through the introduction of ubiquitous technology have been made actively in IT industry. In this study we intend to suggest the technological development for supporting the online customer service support more effectively by trying out the new technology development introducing a new technology called ubiquitous technology to e-CRM related to the customer service support technology development of the financial firm, one of the service industry.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.9
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• pp.177-187
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• 2021

The purpose of the research to evaluate the efficiency and productivity growth rate of some Vietnamese commercial banks in the period 2008-2020. Using input and output selection theory, the author selected 2 models, estimating the efficiency for model 1 and estimating the yield change for both the models. We have built a model to estimate the efficiency and calculate as well as decompose the productivity growth of Vietnamese commercial banks during the period of active mergers and acquisitions activities in the banking system. Based on the results of the efficiency estimation, TFP shows during mergers and acquisitions, efficiency fluctuates but in an inverted U-shape (increasing from 2008-2011 but decreasing from 2013 to 2020). The estimated results of the impact assessment model show that FDI reduces the efficiency of banks. Productivity analysis shows that 6 out of 23 banks in the study period had positive TFP growth (tfpch > 1) due to technical progress and management efficiency. The findings of this study suggest that Vietnam's commercial banking system has many opportunities to improve operational efficiency in many aspects. In which, there are opportunities to increase credit, improve governance as well as improve the technology level of each bank. In addition, along with traditional products such as deposits and loans, diversification with a wide range of products and services is an important factor to enhance customer experience and demand in commercial banks.

• International Area Studies Review
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• v.15 no.1
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• pp.341-365
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• 2011

This study used a non-parametric linear program, Data Envelopment Analysis to compare the efficiency of South Korean and Chinese banks from 2000 to 2008, which is said to be the reformation period of their financial structure. The sample banks were 10 commercial banks and 6 regional banks in Korea, and 4 state-owned commercial banks and 11 stock commercial banks in China. The main objective of our research is to compare their efficiency, as well as the changes in efficiency periodically according to the types of the banks. According to the periodical analysis, both of the countries showed steady increase in efficiency. This shows that finance restructure and merging were positive factors for bank's efficiency during the revolution of finance structure. The study showed that between Korea and China, the bank of Korea has higher efficiency than that of China. Although the reconstruction period happened around the same time, due to the earlier acceleration period to opening Korea's financial market, made the difference in efficiency.

• Journal of Physiology & Pathology in Korean Medicine
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• v.22 no.2
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• pp.333-339
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• 2008

Korean ginseng (Panax ginseng C. A. Meyer) has been used as an important medicinal plant in the Orient for a long time. It has been claimed that ginseng has many beneficial bioactive effects on human health, such as antitumor, antistress, antiaging and enhancing immune functions. Red ginseng possibly have new ingredients converted during steaming and dry process from fresh ginseng. Kujeungkupo method which means 9 repetitive steaming and drying process was used for the processes of green tea, Polygonatum odoratum, and Rehmanniae radix preparata. In this study, ingredient conversion of ginseng by 9 repetitive steaming and drying process were investigated measuring conversion efficiency of brown materials, crude lipids, crude proteins and aromatic compounds. Brown materials, as an antioxidant, in red ginseng were produced through non-enzymatic reaction by heat. Repetitive steaming and drying treatments on ginseng root contiunously increased the content of brown materials and the chromaticity. Crude lipids were degraded by heat and converted into volatile aromatic ingredients. Crude lipids were degraded and decreased by 0.52% after the 5th and 7th. Crude proteins were also decomposed and converted to amino acid. Crude proteins after the 9th treatment were decreased by more than 85% as increased times of treatments. A bicyclogermacrene as aromatic material was decreased as increased treatment times, while but a aromatic caramel was increased.

• Economic Analysis
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• v.25 no.3
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• pp.30-69
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• 2019

This paper analyzes the effects of trade on demand for labor of trading firms in Korea. We apply system GMM methodology to estimate the effects of imports and exports on employment of Korean manufacturing firms using firm-level data from the Survey of Business Activities of Statistics Korea between 2006 and 2014. According to our estimated results, for firms with high-productivity, exports have a positive and significant effect on the labor demand, while other firms do not show any such significant effects. Furthermore, our results show that offshoring mitigates the positive effects of exports on employment, since tasks within the firms can be relocated abroad. On the other hand, an increase in imports reduces demand for labor because labor is replaced with low-priced imported inputs. Also, when firms partake in global outsourcing, the negative effects of imports are mitigated as those firms expand their production by enhancing their efficiency in the process of offshoring. Therefore, our results suggest that it is important to consider heterogeneous firm productivity as well as offshoring in analyzing the effect of trade on labor demand of firms.

• Journal of the Korea Society of Computer and Information
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• v.29 no.5
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• pp.203-211
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• 2024

Utilizing programming languages for data visualization can enhance the efficiency and effectiveness in handling data volume, processing time, and flexibility. However, practice is required to become proficient in programming. Therefore public data-based the problem bank was developed to practice data visualization in a programming automatic assessment system. Public data were collected based on topics suggested in the curriculum and were preprocessed to make it suitable for users to visualize. The problem bank was associated with the mathematics curriculum to learn various data visualization methods. The developed problems were reviewed to expert and pilot testing, which validated the level of the questions and the potential of integrating data visualization in math education. However, feedback indicated a lack of student interest in the topics, leading us to develop additional questions using student-center data. The developed problem bank is expected to be used when students who have learned Python in primary school information gifted or middle school or higher learn data visualization.

• Journal of Korean Society for Quality Management
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• v.37 no.1
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• pp.80-90
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• 2009

Nowadays, there are many companies which employ the SQI measurement to assess service quality. The purpose of this study is to measure the service efficiency for Bank Industry. In this paper, we tried to measure the efficiency of service quality and overall customer satisfaction by using Data Envelopment Analysis(DEA). Rather than using the usual method of converting the Service Quality Index(SQI) into mean value, we applied CCR/BCC models in DEA to service quality efficiency. Also, DEA/PS Model is recommended as appropriate model for evaluating service efficiency by complementing the shortfalls of the weighted value of DEA Model. In this study, six dimensions of service quality were considered as input variables and output variables(overall customer satisfaction, reusing intention, and word of mouth). The result of this study statistically verifies that 5 DMUs are relatively efficient, and intensive activities for service efficiency are needed for 20 sample branches. Managerial implications based on the analysis were suggested.