• The Journal of Asian Finance, Economics and Business
• /
• 제7권9호
• /
• pp.19-30
• /
• 2020

This paper investigates, in a single equation framework, the effect of bank-specific and macroeconomic determinants on micro-, small- and medium-sized loans by commercial banks in Indonesia. This study uses a sample of 790 observations from 79 commercial banks in Indonesia over the years 2006-2015. This study uses two estimation methods for our panel regressions: static and dynamic generalized method of moments (GMM) panel estimator. In static relationships, the literature usually uses the least square methods on fixed effects (FE) or random effects (RE). I found evidence that all banks, bank profitability and size are positively and significantly related to micro-, small- and medium-sized loans, while the coefficients of liquidity are significantly positive in all specifications, except government banks which is significantly negative. The relationship between risk and credit growth is negative for non-government banks. All estimated equations show that the effect of the capital variable on lending banks to MSMEs is not important in government banks and non-government banks. Finally, macroeconomic variables, such as inflation and gross domestic product, clearly affect the lending of the banking sector particularly non-state banks. The findings have several policy implications to Indonesia government, regulatory authority and bank managers in order to improve bank profitability through bank lending.

• 디지털융복합연구
• /
• 제18권6호
• /
• pp.197-208
• /
• 2020

사회적 기업의 지속가능한 성장을 위해서는 사회적 문제 해결뿐만 아니라 지속적 수익 창출도 병행되어야 한다. 본 연구에서는 사회적 기업이 고객과 장기적 관계를 유지할 수 있는 고객 성과에 초점을 두었으며, 고객 신뢰, 고객 만족, 고객 충성도를 고객 성과의 주요 요인으로 고려하였다. 그리고 고객 성과에 영향을 미치는 요인으로 사회적 기업과 고객 간의 가치 일치성, 가격 공정성, 서비스품질을 도출하였다. 대구광역시 동구에서 운영하는 사회적 기업을 이용한 소비자 204명을 대상으로 연구 모형을 분석하였다. 연구 모형 분석 결과 사회적 기업에 대한 고객 만족은 고객 신뢰와 고객 충성도에 긍정적 영향을 미쳤으며, 고객 신뢰도 고객 충성도에 긍정적 영향을 미쳤다. 사회적 기업이 추구하는 가치와 고객이 추구하는 가치의 일치성이 높을 때, 고객 신뢰와 고객 만족이 향상됨을 확인하였다. 그리고 서비스 품질도 고객 신뢰와 고객 만족 형성의 핵심 요인임을 알 수 있었다. 하지만, 가격 공정성은 고객 만족에 긍정적 영향을 미쳤지만, 고객 신뢰에는 부정적 영향을 미쳤다. 본 연구 결과를 바탕으로 사회적 기업이 제공하는 제품이나 서비스에 대한 소비자들의 구매 의사 결정 매커니즘을 이해하는데 도움을 줄 수 있을 것이다.

• 산업공학
• /
• 제17권4호
• /
• pp.407-413
• /
• 2004

Recently, many enterprises are adopting EAI (Enterprise Application Integration) technologies for integrating heterogeneous enterprise information systems. Among EAI levels, data-level integration is relatively straightforward and most popular. However, most commercial solutions provide complex functionalities and are expensive for implementing the data integration tasks at the small & medium enterprises. Also, they have their own proprietary architectures and have a restricted interoperability. Proposed in this paper is the development of a data integration middleware for facilitating data exchanges between the heterogeneous information systems. The main feature of this middleware is a explicit mapping of meta data about the relationships between source and target data. Based on this explicit mapping, users who do not have expertise in information technology at the small & medium enterprises can easily execute data exchange tasks among various information systems.

• Journal of information and communication convergence engineering
• /
• 제7권2호
• /
• pp.157-163
• /
• 2009

With the wide usage of internet in many fields, networks are being exposed to many security threats, such as DDoS attack and worm/virus. For enterprise network, prevention failure of network security causes the revealing of commercial information or interruption of network services. In this paper, we propose a method of prevention of DDoS attacks for enterprise network based on traceback and network traffic analysis. The model of traceback implements the detection of IP spoofing attacks by the cooperation of trusted adjacent host, and the method of network traffic analysis implements the detection of DDoS attacks by analyzing the traffic characteristic. Moreover, we present the result of the experiments, and compare the method with other methods. The result demonstrates that the method can effectively detect and block DDoS attacks and IP spoofing attacks.

• International journal of advanced smart convergence
• /
• 제12권4호
• /
• pp.202-207
• /
• 2023

In this paper, we discuss the design and implementation of a recommendation platform actually built in the field. We survey deep learning-based recommendation models that are effective in reflecting individual user characteristics. The recently proposed RNN-based sequential recommendation models reflect individual user characteristics well. The recommendation platform we proposed has an architecture that can collect, store, and process big data from a company's commercial services. Our recommendation platform provides service providers with intuitive tools to evaluate and apply timely optimized recommendation models. In the model evaluation we performed, RNN-based sequential recommendation models showed high scores.

• 유통과학연구
• /
• 제14권10호
• /
• pp.29-38
• /
• 2016

Purpose - This research examines the effects of local universities on urban regeneration to recover commercial supremacy in the original urban area and provides clear information on the "University Cooperation Project for Traditional Market." Research design, data, and methodology - The "University Cooperation Project for Traditional Market" started in 2015. This study was conducted focusing on 22 places selected in 2015 and the project content in those locations. Results - This study analyzes the link to urban regeneration and spreads the concept along with theoretical consideration of university cooperation for traditional markets. Additionally, it promotes policies to help propel the project based on characteristics of the region. Conclusions - A differentiated project should be created, with characteristics of the region reflected, and detailed programs developed and implemented resulting in meaningful achievement from the perspective of members of the local community, who may have deviated from existing perspectives. Additionally, opportunities should be established for the direct application of young consumer ideas through experimental business to regenerate the traditional market (commercial supremacy), the center of the local economic society.

• 정보학연구
• /
• 제8권3호
• /
• pp.57-71
• /
• 2005

This thesis is to explore the relaxation of restrictions at the acquisition of own stock, and to get the results from this system many countries' legislations were alluded as model cases for Korean system. In comparing with America, Japan, Europe(EC 2nd Commercial Law), and England, the final suggestion for Korean companies law as follows: The solution of problems which is derived from the acquisition at own stock in enterprise is to make the optimum situation for the economic development and stability of stock market. So, to solve these problems needs the relaxation of restrictions for this system and by the relaxation of restrictions can get the distribution of its profit to stockholder, and the compensation for employers and employees. Furthermore, through this system the company can achieve the protection against M&A and the supply of company funds. In conclusion the relaxation of restrictions at the acquisition of own stock is acknowledged the necessity, but the problems that would be followed must be necessarily minimized, and to do so, the legal system has to be molded for this purpose and the its procedure(that is, accounting deal of own stock, the fictitious dividend, and non-appliance of tendency control) has to be prior to the legal system.

• 대한안전경영과학회지
• /
• 제3권3호
• /
• pp.131-141
• /
• 2001

Since 1990's, the Information Technology(IT) of combination between PC and Internet has progressed rapidly. As a fast development of Information Communication Technology and spreading of network, the previous economic state, the method of dealing, transaction object and a scope of transaction is changing. Like this, as raising of IT, the existing off-line commercial transaction is moving to electronic commercial one which based on the web. These days, a electronic distribution system of enterprise and the electronic commercial transaction between small company and customer is being operated, but there is no full developed proper system between small retailor and mid distribution center. So on this paper, the system which manage a simple marketing as well as Inventory Management & customer management will be presented.

• 디지털융복합연구
• /
• 제15권4호
• /
• pp.139-149
• /
• 2017

본 연구는 사회적기업과 영리기업에 종사하는 근로자들을 대상으로 셀프리더십이 조직성과에 미치는 영향을 비교분석하기 위한 것이다. 이를 위하여 충청남도내 사회적기업과 영리기업 36개, 근로자 303명을 조사하였다. 주요 연구결과는 다음과 같다. 첫째, 사회적기업과 영리기업에 근무하는 근로자의 특성차이 분석결과 사회적기업에 종사하는 근로자들이 영리기업 근로자들에 비해서 여성, 고연령자, 저임금근로자가 많았다. 사회적기업이 정부의 사회적 일자리지원에 의하여 여성, 노인 등 취약계층을 저임금으로 고용하고 있기 때문이다. 둘째, 사회적기업과 영리기업의 셀프리더십과 조직성과 차이를 분석한 결과 사회적기업 근로자의 셀프리더십이 영리기업에 비해 대체로 높은 것으로 나타났다. 아울러 사회적기업 근로자들이 영리기업에 비하여 사회적 성과와 경제적 성과를 높게 평가하고 있었다. 셋째, 셀프리더십이 조직성과에 미치는 영향을 분석한 결과 사회적기업과 영리기업 모두 셀프리더십이 조직성과에 정적으로 영향을 미치고 있었다. 특히, 사회적기업이 영리기업에 비해 조직성과가 높았다. 따라서 사회적기업의 조직성과를 높이기 위해서는 근로자들에 대한 지속적인 조직비전과 목표에 대한 공유노력을 통하여 기업경쟁력을 높이는 것이 필요하다.

• 재활복지
• /
• 제20권1호
• /
• pp.151-170
• /
• 2016

본 연구는 장애인직업재활시설의 조직적 특성을 고려한 조직역량 요인이 경영성과에 미치는 영향을 분석하여 장애인직업재활시설의 경영성과를 극대화 시킬 수 있는 방안을 제시하고자 하였다. 이를 위해 장애인직업재활시설과 유사한 성격을 가진 사회적 기업의 자원기반관점과 기업역량논의를 바탕으로 조직역량 요인을 추출하였으며 기업경영성과를 평가하는 데 있어서 가장 적합한 모델로 평가되는 Malcolm Baldrige(1987) 모델을 토대로 연구모형을 제시한 후 조사를 진행하였다. 본 연구의 분석결과는 다음과 같다. 첫째, 장애인직업재활시설 조직역량은 영리적 성과와 비영리적 성과에 유의미하게 영향을 미치는 것으로 나타났다. 즉, 영리적 성과는 마케팅 역량, 행정적 역량, 재무적 역량 순으로, 비영리적 성과는 조직문화적 역량, 재무적 역량, 시설장 역량, 인적자원적 역량 순으로 영향을 받는 것으로 나타났다. 둘째, 장애인직업재활시설의 조직역량은 영리적 성과와 비영리적 성과를 포함한 포괄적인 경영성과에 영향을 미치며 마케팅 역량, 조직문화적 역량, 재무적 역량, 인적자원적 역량 순으로 경영성과에 영향을 미치는 것으로 나타났다.