• The Journal of Asian Finance, Economics and Business
• /
• 제8권5호
• /
• pp.99-108
• /
• 2021

As expansion of interest income business faces several limitations, non-interest revenue can play a vital role in increasing the net profit margin and the productivity of the assets to sustain the growth rate. This study aims to analyze the Effect level (partial or total) of a bank's size on the relationship between non-interest revenue and the sustainable growth rate of Jordanian commercial banks. Baron and Kenny's methodology (1986) was adopted to test and analyze the effect of non-interest revenue: including the bank's size, on the sustainable growth rate during the period from 2008-2019. Data collection was done for thirteen commercial banks which constituted 100% of the study population. Testing four hypotheses by using Amos program and a regression model to diagnose the partial and total effect of size. Findings indicate that there is a nonlinear relationship between Non-IR and SGR due to the total effect of bank size on the sustainable growth rate. The results of this study is expected to enable the banks to diversify their revenue to support financial performance towards healthy growth without facing additional financial problems. This study adopted a different methodology from the prior efforts, by using the mediation effect role to verify the effect of non-interest revenue.

• The Journal of Asian Finance, Economics and Business
• /
• 제8권3호
• /
• pp.1193-1204
• /
• 2021

This paper aims to examine the main factors that influence the adoption of Islamic banking services in Indonesia. This research collects primary data by distributing questionnaires to 550 respondents in 29 provinces in Indonesia. A total of 550 questionnaires were returned comprising 34.2 percent male respondents and 65.8 percent female respondents. Most of the respondents were in the age group of 21-30 years with the highest level of education being high school. Most of the respondents were working in private firms, with a monthly expenditure of IDR 2,500,000. The independent variables in this study are bank reputation, perceived complexity, perceived compatibility, perceived risk, relative advantage, religiosity, and social influence. Meanwhile, the dependent variable is customer interest in adopting Islamic banking services. The result of this study indicates that awareness and perceived compatibility have a positive effect on customer intention to adopt Islamic banking services. Likewise, religiosity and social influence also have a significant and positive effect on customer intention to adopt Islamic banking services. Meanwhile, bank reputation and perceived complexity have no effect on customer intention to adopt Islamic banking services. Lastly, perceived risk has a negative and significant effect on customer intention of adopting Islamic banking services in Indonesia.

• The Journal of Asian Finance, Economics and Business
• /
• 제8권3호
• /
• pp.433-439
• /
• 2021

The purpose of this research is to discuss the concept of measuring cryptocurrency literacy, especially Bitcoin. This research uses a qualitative approach. The data source comes from a literature review on cryptocurrency and opinions from Bitcoin academics, traders, and investors. Data collection was conducted through desk evaluations and interviews to determine what attributes should be considered for assessing Bitcoin literacy. The results of a literature review reinforced by discussion show that eight attributes can be used to assess basic level Bitcoin literacy, namely Bitcoin supply, regulatory guarantees, transaction recording, the role of third parties, treatment of transfer transactions, initial coin offerings, the smallest Bitcoin unit, and conversion with another currency. These eight attributes can be used to measure Bitcoin literacy through various questions with the choice of true, false, and do not know answers. This research is essential because there is no method to measure Bitcoin literacy. This research can be a measuring tool that becomes a reference or standard in assessing or measuring Bitcoin literacy. This study's results provide benefits to the development of science in the form of a tool that can be used to assess Bitcoin literacy and become a standard in assessing a person's level of understanding of Bitcoin.

• 한국컴퓨터정보학회논문지
• /
• 제22권12호
• /
• pp.163-170
• /
• 2017

The purpose of this study is to introduce policy and theoretical implications by analyzing affecting factors for the elder's happiness. For this study, we analyzed data using HLM. Data include a world value survey(hereafter, WVS) as personal level analysis data and also OECD's Social Expenditure Database(hereafter, SOCX) and database from the World Bank as national level analysis data. The subjects of personal level analysis were the elder who are over 65-years od age, and they were total 3,297 people, and while the subjects of national level analysis were total 9 OECD countries. For the data analysis, hierarchial linear model(HLM) analysis was done by using HML 7.0 program. As a result of analysis, First, for the elderly's happiness, they should improve self-disposition, members of social groups, and social class. Second, the old-age pension and the survivor's pension had no meaningful effect on the happiness. but it was found that self - disposition, social class, gender, and health status showed meaningful interaction effect according to old - age pension, survivor pension, per capita GDP, income inequality. This suggests that efforts to improve the happiness of the elderly should be made at the individual level and the national level at the same time.

• 한국정보처리학회논문지
• /
• 제3권4호
• /
• pp.938-946
• /
• 1996

계층적 구조를 갖는 서브밴드 코덱은 그 구조의 간단성과 모듈적인 특성으로 인하여 데이타 압축/복원 시스템에 많이 쓰여왔다. 최근까지 연구되어 오고 있는 대부분의 계층적 서브밴드 코덱은 주로 양자화 영향을 고려하지 않은 상태에서 출력단에서 입력 신호를 복원하기 위한 완전복원(perfet Reconstruction)시스템에 제한되어 왔다. 그러나 실제적인 서브밴드 코덱 시스템에서는 분석 필터 뱅크를 통한 입력 신호가 양자화기를 거쳐 합성필터 뱅크에 전송되므로, 양자화 오차가 발생하게 되어 완전복 원은 불가능하게 된다. 따라서, 이러한 양자화 오차를 최소화하여 출력단에서 가능한 한 원 입력신호에 가깝게 재생할 수 있는 최적의 코덱 시스템을 필요로 하게 된다. 본 논문에서는 그 동안 수학적 이론과 코덱구조의 복합성 때문에 고려되지 않았던 양자화기에 위한 양자화 오차를 수학적으로 분석하여 최적화된 계층적 구조를 갖는 서브밴드 코덱의 설계를 제안한다. 본 논문에서의 최적화의기준은 코덱에서 양자화 기에 의해 발생하는 평균 제곱 오차를 최소화하는 계층적 분석/합성 필터 뱅크와 양자화기의 설계에 있다. 구체적인 최적화 설계 예제는 레벨-1. 레벨-2 계층적 구조를 갖는 코덱에 실제 적용되었으며, 설계된 코덱은 컴퓨터 모의 실험을 통하여 검증하였다.

• 국제지역연구
• /
• 제12권2호
• /
• pp.79-97
• /
• 2008

본 연구는 자료포락분석(DEA)기법을 이용하여 1999년부터 2003년까지 중국의 4대 국유상업은행과 11개의 주식제상업은행의 효율성을 측정하고, 이를 바탕으로 Tobit모형을 이용하여 은행효율성의 결정요인에 대해 실증분석을 실시하였다. 또한 WTO가입 전후 은행효율성의 결정요인에 변화가 있었는지를 살펴보았다. 분석결과, 전체적으로 자기자본비율, 소유권구조, 정보보조금이 5% 유의수준에서, 총자산이익률은 10%에서 유의적인 것으로 나타났으며, WTO가입 전후 나누어 분석한 결과, WTO가입 전에는 규모, 자기자본비율, 총자산이익률, 소유권구조 등 4개의 요인이 유의적인 것으로 나타난 반면, WTO가입 후에는 자기자본비율만이 유의적인 것으로 나타났다.

• Animal cells and systems
• /
• 제12권4호
• /
• pp.269-277
• /
• 2008

Siberian flying squirrel, an endangered species in South Korea, is distributed through major mountain regions of South Korea. The number of Siberian flying squirrel(Pteromys volans) in South Korea has decreased and their habitats are fragmented and isolated because of anthropogenic activities. So far no molecular genetic data has, however, been available for their conservation and management. To obtain better information concerning genetic diversity and phylogenetic relationships of the Siberian flying squirrel in South Korea, we examined 14 individuals from South Korea, 7 individuals from Russia, and 5 individuals from northeastern China along with previously published 29 haplotypes for 1,140 bp of the mtDNA cytochrome b gene. The 14 new individuals from South Korea had 7 haplotypes which were not observed in the regions of Russia and Hokkaido. The level of genetic diversity(0.616%) in the South Korean population was lower than that in eastern Russia(0.950%). The geographical distribution of mtDNA haplotypes and reduced median network confirmed that there are three major lineages of Siberian flying squirrel, occupying; Far Eastern, northern Eurasia, and the island of Hokkaido. The South Korean population only slightly distinct from the Eurasia, and eastern Russian population, and is part of the lineage Far Eastern. Based on these, we suggest that the South Korean population could be considered to belong to one partial ESU(Far Eastern) of three partial ESUs but a different management unit. However, the conservation priorities should be reconfirmed by nuclear genetic marker and ecological data.

• Communications for Statistical Applications and Methods
• /
• 제17권4호
• /
• pp.599-609
• /
• 2010

확산모형은 금융현상을 모형화하기 위한 방법으로 자주 사용된다. 다양한 확산모형들을 추론하기 위한 다양한 추론기법들이 제안되어져 왔다. 본 연구에서는 시뮬레이션 방법을 통하여 Shoji와 Ozaki (1998)에 의하여 제안된 NLL 방법의 성질을 검토하여 보고, 실제 자료에 적용하게 된다.

• 한국생물공학회:학술대회논문집
• /
• 한국생물공학회 2001년도 추계학술발표대회
• /
• pp.886-889
• /
• 2001

C-terminus specific immobilization often results in a increased structural stability resistant to various denaturation factors. In order to elucidate the immobilization effect on the c-terminus in molecular level, we made over 200 protein data set from Protein Data Bank(PDB), analyzed c-terminus structure of each protein, and investigated the structural relationship with the stabilizing factors such as hydrogen bond, ion pairs, cation pi, disulfide bond, solvation free energy, surface area, flexibility and so on.

• 한국지하수토양환경학회:학술대회논문집
• /
• 한국지하수토양환경학회 2004년도 임시총회 및 추계학술발표회
• /
• pp.431-434
• /
• 2004

To understand the stratigraphy for a hydrogeological setting, borehole logging data are used. The test site is located in Mangyeong-river bank area in Dodeok-dong Jeonju. 11 boreholes are developed to monitor groundwater level and quality. Based on the borehole data, SOLID model is used to get the distribution of each layer.