• Asia pacific journal of information systems
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• v.9 no.1
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• pp.39-58
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• 1999

This study examines whether expenditures in information technology (IT) are associated with increases in Tobin's q ratios, a measure of management performance, in the banking industry. The association between IT expenditures and Tobin's q ratios is different, depending upon the banks' size (national vs regional) and strategic orientation (wholesale vs retail), in the Korean commercial banks for the period studied 1990-1996, For national commercial banks which have more clients and electronic banking systems than regional banks, IT expenditures appear to increase Tobin's q ratios. This may indicate that IT is linked to the ability to achieve economies of scale or network effects when large banks use IT as a strategic tool. The association between IT expenditures and management performance measures is also positive and statistically significant for retail-oriented banks. This research makes two important practical contributions with respect to financial reform. First, the evidence suggested that Korean commercial banks need to apply IT strategy in conjunction with restructuring strategy to be a super-bank and, hence, reap substantial competitive advantage from IT applications. Second, since the government recently encouraged commercial banks to increase credit loans as a means of financial reform, most banks tend to focus on retail banking. IT used in the retail banking sector contributes to improve management performance as the evidence suggested.

• Journal of the Korean association of regional geographers
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• v.14 no.4
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• pp.367-381
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• 2008

The purpose of this paper is to analyze the change in the distribution and hierarchical structure of commercial land use. Tools for analyzing the spatial structure are index of concentration, coefficient of localization and location quotient. This research is applied to Daegu, focusing on the period 1985-2003. During the 1985-2003 period, the growth rate of commercial land use volume amounted to 330%, compared with a population growth rate of 118%. The biggest component of commercial land use is the retail sector. As the lodging, medical, transportation-warehouse and entertainment sectors have the propensity for concentration and comprise the specialized commercial areas in the suburbs, the other sectors arc evenly distributed. Jung-gu has functioned as a downtown core in the hierarchical structure of commercial areas. So, in the structure of commercial land use, Daegu has continued to be a single nuclear structure. But, Dongdaegu Station influence area has evolved into the second order center since 2000. This is the sign of change in spatial structure from single-nuclear pattern to multi nuclear pattern.

• Korean Business Review
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• v.23 no.2
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• pp.31-52
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• 2010

The casinos and gaming sector consists of all forms of betting, including commercial, state-run, and charitable operations. The casinos segment comprises gambling in casinos, and includes gaming machine gambling where this occurs on casino premises. The gaming segment covers all other forms of gambling, including national and other lotteries, racing and sports betting, bingo, pachinko, and gaming machines where these are not located on casino premises. All values are stated in terms of gross gaming win. This is the total amount waged by customers minus the total amount paid out to customers as winnings, but before the payment of any applicable taxes, disbursements to charitable or other causes by games established for those purposes, or other expenses. The South American casinos & gaming sector posted strong growth in 2009 and this growth is expected to accelerate during the forecast period. The South American casinos & gaming sector generated total revenues of $9.6 billion in 2009, representing a compound annual growth rate(CAGR) of 15% for the period spanning 2005-2009. In comparison, the Argentinian and Chilian sectors grew with CAGRs of 17% and 21.9% respectively, over the same period, to reach respective values of $2.2 billion and $93.7 million in 2009. The other gaming segment was the sector's most lucrative in 2009, generating total revenues of $7.1billion, equivalent to 74.1% of the sector's overall value. The casino segment contributed revenues of $2.5billion in 2009, equating to 25.9% of the sector's aggregate revenues. The performance of the sector is forecast to accelerate, with an anticipated CAGR of 20.4% for the five year period 2009-2014, which is expected to drive the sector to a value of $24.3 billion by the end of 2014. Comparatively, the Argentinian and Chilian sectors will grow with CAGRs of 10.2% and 7.3% respectively, over the same period, to reach respective values of $3.6 billion and $133.6 million in 2014.

• Proceedings of the KIEE Conference
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• 1999.11b
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• pp.261-263
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• 1999

This paper presents approaches for optimum rebate level of DSM programs to improve the rebate system and establish the systematic DSM plans. For an effective supply of DSM programs, it is very important to determine the rebate level of DSM programs. Customer's adoption of DSM programs is changed according to the rebate level. The case study shows the approaches and analysis methods to determine the optimum rebate level of the efficient lamp apparatus(electronic ballasts) in commercial sector.

• Journal of the Korean Society of Safety
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• v.35 no.1
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• pp.70-78
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• 2020

Nitrox diving was introduced by the NOAA (National Oceanic and Atmospheric Administration) to increase the oxygen content and lower the nitrogen content in respiratory gases. The commercial diving sector specializing in underwater operations has recently introduced regulations on the use of Nitrox. Because the respiratory gas for Nitrox diving has a lower nitrogen content than the normal air, the amount of nitrogen dissolved in the body is small, which not only significantly reduces the decompression time compared to air diving, but also reduces the chance of exposure to decompression sickness. In this study, we applied the VPM (Varying Permeability Model) algorithm to virtual diving with air and Nitrox as a respiratory gas, respectively, to study the optimal Nitrox diving for the safety at the underwater works. The results showed that Nitrox diving had a longer NDL (No-Decompression Limit), a much shorter depression time. In other words, Nitrox diving in underwater works is safer from decompression sickness than commonly used air diving.

• Journal of Distribution Science
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• v.11 no.9
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• pp.31-34
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• 2013

Purpose - This paper aims to explain that the Chinese distribution market will continue to bring tremendous business opportunities to commercial enterprises, given the relatively strong economic fundamentals and substantial government-led measures to boost domestic demand. Research design, data, methodology - A survey was conducted on China's retail market data during 2012. By empirically analyzing the data for retail sales of online markets and franchises, we conclude that the online retail market in China will continue to grow. Results - Based on data from 2012, 2013 is expected to be a challenging year for the retail sector, as both external and internal pressure is likely to persist. This paper outlines some major challenges facing retailers in China. Conclusions - The study shows that retailers in the Chinese market will face some major challenges: 1) the Chinese retail market is considerably affected by an uncertain economic outlook 2) an unfair environment of competition exists and 3) product safety is a serious issue. However, in the future, China's retail market will continue to bring tremendous business opportunities to commercial enterprises, given the relatively strong economic fundamentals and substantial government-led measures to boost domestic demand.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.19-30
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• 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.

• Journal of the military operations research society of Korea
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• v.34 no.1
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• pp.13-30
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• 2008

In this study, the establishment strategies of Military Standardization Information System and Integrated Database(DB) based on standardization information are provided. The establishment strategies introduced here are based on the appliable common(commercial and military) classification of specifications/standards. The common(commercial and military) classification of specifications/standards adapted in this study can be constructed through mapping by 'grouping' between the MS(Military Specification/Standards) and KS(Korean industry Standards) to increase efficiency. In detail, the establishment of Integrated Database(DB) based on standardization information provides the various channel of interactive communication among specifications/standards. Additionally, standardization information systems provide the basis of the integrated specifications/standards converged between the commercial and military sector.

• Journal of Korea Technical Association of The Pulp and Paper Industry
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• v.45 no.6
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• pp.55-63
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• 2013

To offer a basic information for the fibers of commercial leaflets, authors examined and analyzed the distribution, size, and printing types of leaflets sandwiched in the newspaper. The number of different leaflet size were almost 30 in two years including B5 ($182{\times}257mm$), A4 ($210{\times}297mm$), B4, ($257{\times}364mm$), A3 ($297{\times}420mm$), and large flyers such as $545{\times}395mm$, and $790{\times}550mm$. The number of different leaflets size were 25 in 2011, which was reduced to 15 in 2012. Both the number and amount of the leaflets were reduced. The high quality leaflets were issued and distributed in the corporate sector and the leaflets issued in other sectors such as shopkeeping, restaurant business, educational institutions were one-sided leaflets printed on single side of the paper. Compared to the previous year, large stores showed the increased number of leaflets but the number of leaflets from restaurant business and educational institutions and building trade were decreased.

• Journal of Distribution Science
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• v.21 no.3
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• pp.71-82
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• 2023

Purpose: This study examines the distribution of income diversification in improving the financial sustainability of private universities amidst difficulties in operational funding during the Covid-19 pandemic with IT Capability moderation. Research design, data and methodology: Closed survey aimed at 468 financial sector leaders from 189 private universities in ten provinces in Indonesia. Results: All income diversification activity variables have a significant positive effect on financial sustainability. In the analysis of liquidity indicators, there are two activities that have a significant positive effect, namely goods and services (β=0.337) and profitable financial management (β=0.124). Furthermore, the results of the solvency indicator test obtained significant positive results in Goods and Services Activities (β=0.337), Commercial Intellectuals (β=0.161), Commercial Contracts (β=0.103), and Profitable Financial Management (β=0.147). The results of the test of higher education growth indicators on three activities have a significant positive effect, namely Goods and Services (β = 0.290), Endowments (β = 0.158), and Commercial Contracts (β = 0.134). The results of the moderation test conclude that IT Capability strengthens the effect of income diversification on financial sustainability. Conclusion: The results of the study as a recommendation for private universities in developing income diversification with information system technology-based management.