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Estimating the Determinants of Loan Amount of Housing Mortgage : A Panel Data Model Approach (주택 담보 가계 대출액 결정요인 추정에 관한 패널 데이터 모형 연구)

  • Kim, Hee-Cheul;Shin, Hyun-Cheul
    • Journal of the Korea Society of Computer and Information
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    • v.16 no.7
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    • pp.183-190
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    • 2011
  • Loan amount of housing mortgage is composed of various factors. This study paper studies focuses on estimating the determinants of a loan amount of housing mortgage. The region for analysis consist of seven groups, that is, metropolitan city (such as Busan, Daegu, Incheon, Gwangiu, Daejeon, Ulsan.) and Seoul. Analyzing period be formed over a 45 time points(2007. 01.~ 2010. 09). In this paper the dependent variable setting up loan amount of housing mortgage, explanatory(independent) variables are composed of the consumer price index, unemployment rate, average monthly household income per household, expenditure rate of health care, composite stock price index and overdue rate of household loans for commercial bank. In looking at the factors which determine loan amount of housing mortgage, evidence was produced supporting the hypothesis that there is a significant positive relationship between the consumer price index and unemployment rate. The study also produced evidence supporting the view that there is a significant negative relationship between expenditure rate of health care. The study found that average monthly household income per household, expenditure, composite stock price index and overdue rate of household loans for commercial bank were not significant variables. The implications of these findings are discussed for further research.

Comparison of tuberculin skin test with Interferon-γ assay for the diagnosis of bovine tuberculosis in Korean cattle (국내 우군에서 소 결핵 진단을 위한 피내검사법과 Interferon-γ 생성 검사의 비교)

  • Shin, Seung Won;Shin, Min Kyoung;Cha, Seung Bin;Woo, Jong Tae;Lee, Sung Mo;Ku, Bok Kyung;Cho, Yun Sang;Jung, Suk Chan;Yoo, Han Sang
    • Korean Journal of Veterinary Research
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    • v.51 no.2
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    • pp.117-122
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    • 2011
  • Bovine tuberculosis (bTB), caused primarily by Mycobacterium bovis, continues to exert an economic loss, even in countries with active control measures, and is one of zoonotic diseases enable to be transmitted to human. The control and eradication of bTB are mainly based on a test and slaughter policy and/or abattoir surveillance. Various factors including limitation of diagnostic tests have been considered as major constraints to eradication. Single intradermal test (SIT) is the official diagnostic test. New diagnostic methods are needed to be developed, because of limitations of the test. In the present study SIT was compared with single intradermal comparative cervical test (SICCT) and interferon (IFN)-${\gamma}$ assay. There was very low correlation between SIT and SICCT. However, high correlation was shown between SIT and IFN-${\gamma}$ assay while no correlation was observed between SICCT and IFN-${\gamma}$ assay. Therefore, our results suggest the possibility of replacement of SIT with IFN-${\gamma}$ assay for the diagnosis of bovine tuberculosis.

Analysis of Microsatellite Loci for Swimming Crab Portunus trituberculatus Populations in the Korean Side of the Yellow Sea (서해안에서 채집된 꽃게(Portunus trituberculatus) 집단에 대한 microsatellite 좌위의 분석)

  • Lee, Hye Jin;Yoon, Seong Jong;Hyun, Young Se;Kim, Hye Jin;Hwang, Sung-Il;Bae, Joo-Seung;Chung, Ki Wha
    • Journal of Life Science
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    • v.23 no.9
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    • pp.1088-1095
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    • 2013
  • The swimming crab, Portunus trituberculatus, inhabits seafloor habitats containing sand or pebbles and is widely distributed throughout the world. The present study investigated genetic polymorphisms of 10 microsatellites in 281 samples of P. trituberculatus collected from four locations along the coastal water of the Korean side of the Yellow Sea (Yeonggwang, Taean, Sorea, and Yeonpyeong-do Island). The number of alleles per locus ranged from 50 to 129, with a mean of 69.5. The observed and expected hetrozygosity varied from 0.111 to 1.000 and from 0.609 to 0.979, respectively. The inbreeding coefficients (Fis) varied among the loci from -0.0207 to 0.8175. The genetic differentiation (Fst) was less than 0.05 (range 0.0020-0.0124). Therefore, the four groups of P. trituberculatus appeared to exhibit little genetic differentiation. The lack of differentiation was confirmed in a phylogenetic tree constructed by the unweighted pair group method with the arithmetic average (UPGMA). The hypervariation between the populations and the lack of genetic differentiation may reflect active gene flow among the Yellow Sea populations and the absence of geographical boundaries. The highly polymorphic microsatellite loci will be useful for molecular and phylogenetic studies, as well as stock management, of swimming crab, which is an important fishery resource.

The Effects of Educational Activity in Relation with Nuri Curriculum in Green Growth Education Programme for Young Children on Their Knowledge in Environmental Conservation, Sensitivity to the Natural Environment and Attitudes in Environmental Conservation (누리과정과 연계한 유아녹색성장 교육활동이 유아의 환경보전지식, 자연환경감수성 및 환경보전태도에 미치는 효과)

  • Kang, In Sook;Moon, Hyuk Jun
    • Korean Journal of Childcare and Education
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    • v.10 no.5
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    • pp.133-158
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    • 2014
  • This study's aims at seeking ways to support educational activity in 'Green-Growth' for children, in order for children to practice green life from their infancy and studying effects of their educational activity in knowledge of environmental conservation and receptivity to the natural environment, attitudes in environment conservation. This study conducted a survey of fifty-four children of five years of age attending the kindergartens in the Metropolitan City of Incheon. Twenty-seven were classified in the experimental group and the remaining Twenty-seven were in the comparative group. For the statistical analysis of the data collected, the t-test and the analysis of covariance(ANCOVA) were conducted using the SPSS WIN 17.0 program. The findings of this research are as follows: the children of the experimental group who experienced educational activity in green growth, demonstrated higher score than those of the comparative group in knowledge of environmental conservation and receptivity to the natural environment, attitudes in environment conservation. The result of the research indicates that educational activity in green growth, for children, enhances their knowledge in environment conservation, the receptivity to natural environment and the positive changes of attitudes in environmental conservation. It is then advisable to integrate and apply educational activity in green growth to the curriculum of kindergartens from early childhood.

A Study on Environmental Assessment of Bikeway based on ANP Model for Sustainable Green Road (지속가능 녹색 도로 조성을 위한 ANP 모델 기반 자전거도로 환경 평가 방안)

  • Lee, Ji Hwan;Joo, Yong Jin;Park, Soo Hong
    • Spatial Information Research
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    • v.20 no.6
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    • pp.33-43
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    • 2012
  • As part of recent sustainable transport, bike has come into the spotlight as a green transport at close range to link between walking and public transit and also alterative to solve problems of existing vehicle travel. Some arguments on promotion of using bicycles have already been made in Europe, the U.S and other developed countries. To be sure, much has been written extensively in description of utilization of bike oriented by supplier, for examples, Level of Service with bike path, infrastructure such as bicycle racks and lounge etc. Therefore, our study has been differentiated in development of new evaluation model focused on level of bike user's satisfaction, comprehensively considering suitability for bikeway installation, connectivity of the public transportation system and stability in Incheon City. ANP(Analytic Network Process) analysis which is able to allow consideration of the interdependence of criteria has been hired due to multi-collinearity instead of AHP used in multi-criteria decision analysis. Last but not least, we drew bike route on a case-by-case for maintenance and improvement of its facility in Namdong-gu and Bupyeong-gu. To conclude, suggested finding has dem onstrated the validity of evaluation scheme for bikeways which is appropriate for type and purpose and ultimately this can be used to establish policy decision making for improvement of bikeway.

A Study on the Optimal Management Option of the Disposal of Resources Found in Standard Plastic Garbage Bags (종량제봉투 내 폐자원에 대한 최적 처리방안 연구)

  • Park, Sang Jun;Kim, Eui Yong
    • Resources Recycling
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    • v.23 no.5
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    • pp.44-54
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    • 2014
  • A standard plastic garbage bag which was discarded from Incheon Metropolitan City was composed of 4.5% recyclable resources (aluminum cans 0.2%, steel cans 2.5%, glass 1.8%), 92.5% resources with recoverable energy (papers 23.0%, plastics 15.5%, combustible etc. 54.0%) and 3.0% non-combustible etc. Recycling is more effective than landfilling for aluminum cans, steel cans, and glass. The energy recovery process using solid refuse fuel (SRF) is more effective than incineration for papers and plastics. Incineration is more effective than recycling for combustible etc. 2,068,948 Million Btu of total energy savings and 21,008 $MTCO_2E$ of total GHG reductions were obtained by the application of the proposed scheme. The total energy savings were equivalent to an economic benefit of 422 billion won per year. The total GHG reductions were equivalent to a GHG benefit of 4,119 passenger cars not running per year. The lower calorific value of the combustible materials was obtained to be 1,936 kcal/kg of papers, 5,079 kcal/kg of plastics and 2,462 kcal/kg of combustible other resources, respectively. If papers and plastics are properly mixed, the mixture can be used as SRF. The lower calorific value of combustible other resources does not meet the quality criteria for refuse derived fuel, therefore its components are inappropriate to used as solid refuse fuel.

Analysis of articles on water quality accidents in the water distribution networks using big data topic modelling and sentiment analysis (빅데이터 토픽모델링과 감성분석을 활용한 물공급과정에서의 수질사고 기사 분석)

  • Hong, Sung-Jin;Yoo, Do-Guen
    • Journal of Korea Water Resources Association
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    • v.55 no.spc1
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    • pp.1235-1249
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    • 2022
  • This study applied the web crawling technique for extracting big data news on water quality accidents in the water supply system and presented the algorithm in a procedural way to obtain accurate water quality accident news. In addition, in the case of a large-scale water quality accident, development patterns such as accident recognition, accident spread, accident response, and accident resolution appear according to the occurrence of an accident. That is, the analysis of the development of water quality accidents through key keywords and sentiment analysis for each stage was carried out in detail based on case studies, and the meanings were analyzed and derived. The proposed methodology was applied to the larval accident period of Incheon Metropolitan City in 2020 and analyzed. As a result, in a situation where the disclosure of information that directly affects consumers, such as water quality accidents, is restricted, the tone of news articles and media reports about water quality accidents with long-term damage in the event of an accident and the degree of consumer pride clearly change over time. could check This suggests the need to prepare consumer-centered policies to increase consumer positivity, although rapid restoration of facilities is very important for the development of water quality accidents from the supplier's point of view.

An Analysis and Improvement of Free Form Building's Construction Productivity - Focused on Exposed Concrete Work - (비정형 건축물 공사의 생산성 분석 및 향상방안 - 노출콘크리트 공사를 중심으로 -)

  • Lee, Eun-Young;Kim, Yea-Sang
    • Korean Journal of Construction Engineering and Management
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    • v.15 no.3
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    • pp.38-46
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    • 2014
  • The Global's top five Design Firms selected from BauNetz a German architectural magazine in 2007 designed free form building design which was 25% of the overall design by 2006-2010. Free form building is a landmark of the city and the country so its social and economic impacts are very large. In case of Korea, free form buildings such as Tribowl in Incheon, KINTEX Exhibition hall 2 and Dongdaemun Design Plaza have increased. However, those the increase in design trends and, the needs due to the lack of free form building design and construction management experience, free form building projects can't be expected to profitability and have a number of problems after completion. Especially, there are many excessive quality problems and the rising cost due to design changes frequently and lack of experience and data. Thus an initial plan regardless of considering of free form building's characteristics can be a huge risk because of the difference with the plan and actual projects, yet there aren't free form building project's performance data and case studies related to productivity. In this study, through selection of low-construction productivity works and an analysis of the work process and productivity data, hope to propose an actual field productivity of free form building and the ways to improve productivity.

Identifying Key Factors to Affect Taxi Travel Considering Spatial Dependence: A Case Study for Seoul (공간 상관성을 고려한 서울시 택시통행의 영향요인 분석)

  • Lee, Hyangsook;Kim, Ji yoon;Choo, Sangho;Jang, Jin young;Choi, Sung taek
    • The Journal of The Korea Institute of Intelligent Transport Systems
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    • v.18 no.5
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    • pp.64-78
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    • 2019
  • This paper explores key factors affecting taxi travel using global positioning system(GPS) data in Seoul, Korea, considering spatial dependence. We first analyzed the travel characteristics of taxis such as average travel time, average travel distance, and spatial distribution of taxi trips according to the time of the day and the day of the week. As a result, it is found that the most taxi trips were generated during the morning peak time (8 a.m. to 9 a.m.) and after the midnight (until 1 a.m.) on weekdays. The average travel distance and travel time for taxi trips were 5.9 km and 13 minutes, respectively. This implies that taxis are mainly used for short-distance travel and as an alternative to public transit after midnight in a large city. In addition, we identified that taxi trips were spatially correlated at the traffic analysis zone(TAZ) level through the Moran's I test. Thus, spatial regression models (spatial-lagged and spatial-error models) for taxi trips were developed, accounting for socio-demographics (such as the number of households, the number of elderly people, female ratio to the total population, and the number of vehicles), transportation services (such as the number of subway stations and bus stops), and land-use characteristics (such as population density, employment density, and residential areas) as explanatory variables. The model results indicate that these variables are significantly associated with taxi trips.

A Study on the Experience of Life in Near Poor Elderly Living Alone in Depression: Phenomenological Study (차상위 계층 우울 독거노인 삶의 경험: 현상학적 연구)

  • Kim, Jae-Eun;Lee, Mi-Hyoung;Lee, Chai-Won;Lee, Sang-Eun;Park, Si-Hyun
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.21 no.12
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    • pp.759-771
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    • 2020
  • The purpose of this study was to explore the meaning of life in near-poor elderly living alone and experiencing depression. We focused on their lived experiences so that we could understand the essential structure of what kind of life they live. The eligible population included those aged 65 or older, showing 9 points or higher in the Korean form of Geriatric Depression Scale (KGDS), currently living alone for more than 1 year, having no problems of communication difficulties, and nationally defined as a near-poor group. A purposive sample of 8 seniors enrolled in s mental health welfare center in Incheon Metropolitan City were recruited. The phenomenological approach suggested by Colaizzi was used. Data was collected from May 2018 to October 2019 through in-depth interviews. As a result of the study, 6 categories, including 48 themes and 19 theme clusters, were drawn from the data: 'a shabby life that cannot live without help', 'a life where the body and mind are sick', 'a life that wants to be self-reliant', 'a life of gratitude', 'a life with inner peace', and 'a life that needed institutional support.' Findings of this study can be evidence for developing suitable emotional support programs for the near-poor elderly living alone and to enact various welfare laws and policies at the national level.