• The Journal of Asian Finance, Economics and Business
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• 제7권7호
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• pp.95-104
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• 2020

This study examines the effect of fintech on retail banks stock return listed in Indonesia Stock Exchange for the period of 2016-2018 as today's new technology lead to the emergence of fintech companies playing the same role as retail banks in the financial industry. This study is conducted quantitatively using monthly data from January 2016 to October 2018 and uses fintech as independent variable, proxied by fintech funding frequency and fintech funding value. Data transformation is conducted due to data volatility. The data of fintech funding, both frequency and value, is transformed into standardized fintech funding and growth of fintech funding. The data is obtained from Crunchbase, while the data of stock returns is obtained from Investing. This study further analyzes the data using Fama French Three-Factor Model and panel data regression. We found that fintech has no significant effect on retail banks' stock returns listed in Indonesia Stock Exchange for the period of 2016-2018. The findings of the study provide some useful insights in understanding fintech companies' current position to retail banks in Indonesia. This study also suggests banking institutions, fintech companies, policy-makers, and others to take advantageous steps in building inclusive financial sectors.

• 한국재난관리표준학회지
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• 제2권3호
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• pp.31-38
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• 2009

본 연구에서는 다변화되어 가는 현대사회 시민들의 의식수준을 조사하고 환경보존이 재해방지에 미치는 영향에 대해 본 고찰을 통하여 분석하여 보았다. 첫째, 환경문제 의식수준은 높고 의식은 매스미디어에서 가장 많이 얻는다. 둘째, 시민들은 오늘의 광주시 환경상태를 생각하며 그 대책이 시급하다고 생각하고 있다. 셋째, 환경보전 교육이 절실하게 필요하고 가장 시급한 문제는 수질 오염을 지향하고 있으며 환경파괴 없는 경제성장을 요구하고 있다. 넷째, 시민들은 중소도시에서 살고 싶고 미래에 대한 견해는 비교적 높은 참여 의식을 갖고 있다. 다른 지역으로 이주에 대한 문제는 중소도시를 원하고 있어 문화생활을 누리면서도 공해가 없는 곳을 원하고 있는 것으로 평가되며 환경문제는 앞으로 광주시에 증가할 것이라는 비관적 예상을 보여주고 있고 환경보전은 비교적 높은 참여의식을 보여 주고 있으나 실제로는 적극적이 아닌 것으로 평가 예측된다.

• Journal of the Korean Wood Science and Technology
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• 제48권1호
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• pp.41-49
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• 2020

Jabon (Anthocephalus cadamba) is a fast-growing wood species that is widely utilized for light construction and other purposes in Indonesia. The objectives of the current study were to determine the effects of monoethylene glycol (MEG) and SiO₂ nanoparticles (nano SiO₂) impregnation treatment on the dimensional stability and density of jabon wood and to identify the characteristics of impregnated jabon wood. Wood samples were immersed in water (as untreated), MEG, 0.5% MEGSiO₂, then impregnated by applying 0.5 bar of vacuum for 60 min, and then applying 2.5 bar of pressure for 120 min. The results showed that impregnation with MEG and Nano SiO₂ had a significant effect on the dimensional stability of jabon wood. Polymers can fill cell walls in wood indicated by increasing weight percentgain, antiswelling efficiency, bulking effect, and density, then decreasing in water uptake value. Jabon wood morphology by using SEM showed that MEGSiO₂ polymers can cover part of the pitsin the wood vessel wall of jabon. This finding was reinforced by EDX results showing that the silicon content was increased due to the addition of SiO₂ nano. The XRD diffraction pattern indicated that MEGSiO₂ treatment increased the degree of crystallinity in wood samples. Overall, treatment with 0.5% MEGSiO₂ led to the most improvement in the dimensional stability of 5-year-old jabon wood in this study.