• The Journal of Asian Finance, Economics and Business
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• 제8권11호
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• pp.223-234
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• 2021

This study aims to examine whether operating cash flows influence banks' financial stability in Pakistan. The study employed annual panel data collected from annual reports of 20 commercial banks listed on the Pakistan Stock Exchange for the year 2011 to 2019. Free cash flow yield was taken as the dependent variable while cash flow ratio was selected as the independent variable, and net interest margin, income diversification, asset quality, financial leverage, the cost to income ratio, advance net of provisions to total assets ratio, capital ratio, financial performance, breakup value per share and bank size were taken as control variables. The study performed ordinary least square technique, random and fixed effects models, Hausman test, Lagrange multiplier test, descriptive and correlation analysis. Results showed that operating cash flows and net interest margin significantly and positively influenced banks' financial stability while the cost to income ratio and advances net of provisions to total assets ratio significantly and negatively associated with banks' financial stability. To improve financial stability, banks should become more cost-effective and enhance their liquidity levels by lowering lending activities. In the future, it would be useful to compare commercial and investment banks, also Islamic and conventional banks in the same research setting.

• 한국항공운항학회지
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• 제30권2호
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• pp.44-54
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• 2022

An empirical analysis was conducted on the workload of helicopter pilots flying in high-risk flight environments such as ground obstacles and weather effects at low altitudes. To evaluate the workload, an independent sample t-test was performed using the NASA-TLX evaluation method most suitable for the aviation field, and the workload score was calculated by applying the analytical stratification method (AHP) to compare and analyze private and commercial pilots. There is a significant difference in mean between private and commercial pilots and the result of work load was obtained over 70%. This paper studied the 'surprise and startle effect' on the helicopter field for the first time. In the future, it is intended to contribute to the safe operation of helicopters by presenting a method for effective safety management by utilizing it in the field of education and training for helicopter pilots and providing basic data for preventing accidents caused by human error.

• 한국멀티미디어학회논문지
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• 제25권8호
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• pp.1097-1108
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• 2022

This paper aimed to design and implement an EMS for real-time power generation control based on wake effect optimization of wind farm, and then to test it in commercial operating wind farm. For real-time control, we proposed the wake band-based optimization and setting the wake effect distance limit, and when the wake effect distance limit was set to 7D in the actual wind farm layout, the calculation time was improved by about 93.94%. In addition, we designed and implemented the script-based EMS for flexible operation logic management in preparation for unexpected issues during testing, and it was installed and tested on a wind farm in commercial operation. However, three issues arose during the testing process. These are the communication interface problem of meteorological tower, the problem of an abnormal wake effect, and the problem of wind turbine yaw control. These issues were solved by modifying the operation logic using EMS's script editor, and the test was successfully completed in the wind farm in commercial operation.

• Journal of Information Technology Applications and Management
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• 제11권1호
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• pp.137-159
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• 2004

In the past days, most of studies about website and Online behavior have been mainly focused on the adoption of website and internet shopping or internet shopping mall. But the model of website revisit behavior has not been made and the leading theory of website usage behavior has not been existed. Lately, many researches on commercial website revisiting behavior are emphasizing the role of intention, attitude, satisfaction in online visiting behavior such as Jarvenpaa et al. [1997, 1999, 2000], Wang et al. [2001], Moon & Kim [2001], Heijden[2003], Sultan et al. [2002], Yoon [2000], Shankar et al. [2002a, 2002b], Mcknight et al. [2002], Chen & Dhillon [2003] and so on. The purpose of this paper is two-folds. The one is to find the affecting factors on the website users' revisit behavior in commercial website and the other is to search more influencing ones on the determinant factors, to analyze research model using in LISREL. The EFA and reliability test was executed by for finding the validity and reliability, covariance matrix analysis was executed for the purpose of testing the 13 hypotheses. The major finding of this paper would be summarized as followed : (1) The roles of satisfaction and attitude to the revisit behavior are very important and both variables have determining effects in commercial website revisit behavior. (2) The determining factors in positively affecting website users' satisfaction are attitude, perceived usefulness, design. (3) The determining factors in positively affecting website users' attitude are perceived usefulness, design, perceived ease of use, and negatively affecting factor was perceived risk in website.

• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.639-648
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• 2021

The study aims to examine the role of financial risk management in predicting the financial performance of commercial banks in Pakistan over the period of 2006-2017. For this purpose, risk management is measured through credit risk, interest rate risk, and liquidity risk, while financial performance is measured through ROA, ROE, and ROI. For this purpose, the dynamic panel model and two step GMM panel estimators are used to test the hypothesis empirically. The annual secondary data has been taken from the published financial reports of commercial banks of Pakistan. The results show that financial risk management significantly decreases the financial performance of commercial banks in Pakistan. Overall, the results are conclusive across the alternative measures of financial risk management in predicting the financial performance of the banking sector in Pakistan. The study suggested that managers should adopt risk management and risk hedging strategies to manage commercial banks' financial risks in Pakistan. They should hold extra cash while using the trade credit facilities. Previous studies mostly used a static model, but this study used a dynamic panel model. This study is among the first that focused on the various factors affecting the banks' performance in Pakistan.

• The Journal of Asian Finance, Economics and Business
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• 제10권2호
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• pp.195-201
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• 2023

Since the banking industry relies so heavily on strong customer-staff interactions, measuring employee job satisfaction has become a critical problem. To achieve benefits for both individuals and organizations, it is crucial to foster and ensure employee job satisfaction. The main objective of this study is to determine the influencing factors of employees' job satisfaction in commercial banks in Bangladesh. This study focused on some significant factors such as employee empowerment, job security, management support, and attractive compensation in an organization. In terms of research purpose, non-probability convenience sampling has been used, and the study is quantitative in nature. For data collection purposes, an online survey questionnaire was prepared based on previously published articles. The targeted population was the bank employees of commercial banks in Bangladesh where the final sample size was n = 200. For analyzing the collected data, SPSS 26.0 version has been used to test the study model and the proposed hypotheses. This study also shows that employee empowerment, job security, management support, and attractive compensation have positive and significant effects on employees' job satisfaction at the workplace. Finally, this study has offered some extraordinary directions and implications for future research on commercial bank authorities in Bangladesh.

• The Journal of Asian Finance, Economics and Business
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• 제9권5호
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• pp.305-311
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• 2022

The Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP) is projected to provide several chances for Vietnam's banking industry to expand into the international market. This study examines the influence of foreign ownership on credit risk in Vietnamese commercial banks before the context of participation in the CPTPP. Using a sample of 28 commercial banks between 2009 and 2020, we find that foreign ownership has a negative relationship with bank credit risk. The regression methods used include the least-squares method, fixed-effects model, random effects model, and general least squares method. The research model adds interactive variables, which will help to reflect the role of intermediary factors more accurately such as listing on the stock market, capital ratio to the relationship between foreign ownership and bank credit risk. The test results reveal that increasing the foreign ownership ratio has a bigger impact on reducing credit risk for listed banks and banks with low capital than for other commercial banks. The government should flexibly adjust the foreign ownership ratio according to the capital size and role of each bank so that it can make good use of investment capital from abroad when Vietnam joins the CPTPP.

• 식물병연구
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• 제7권3호
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• pp.170-174
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• 2001

시판고추 종자로부터 Tobamovirus를 검출하고 Tobamovirus 오염률을 조사하고자 gelatin particle agglutination test (GPAT)의 최적조건을 조사하였다. Gelatin 입자에 감작할 담배 모자이크 바이러스 고추 계통에 대한 ${\gamma}$-globulin G 의 최적농도는 100$\mu\textrm{g}$/$m\ell$이었고, GPAT의 바이러스 검출 감도는 효소면역항체법 및 dot immuno-binding assay와 유사하였으며, Tobamovirus 검출을 위한 종자시료의 최적 희석배수는 5배에서 25배였다. 그리고 최적화된 GPAT에 의한 국내시판 고추종자의 Tobamovirus 오염률은 평균 79.1%인 것으로 판명되었다.

• 현장농수산연구지
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• 제22권2호
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• pp.135-146
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• 2020

딸기 재배지에서 점박이응애는 엽록소를 직접적으로 흡즙하여 생산량을 낮추는 주요 난방제 해충이다. 본 연구에서는 간이 약효 검정법을 개발하여 친환경유기농자재와 화학합성살비제가 포함된 10종의 약효를 평가하였다. 해당 기법은 4개의 약제를 3반복으로 실험할 수 있는 장점이 있어 시료 전처리 시간을 단축시킬 수 있다. 감수성 계통(SL_YS)을 포함한 전북 정읍(2020_JB_01), 충북 청주(2020_CB_01), 강원 고성(2020_GW_01)에서 채집한 지역 계통을 대상으로 약효를 평가한 결과 감수성 계통은 약 90-100% 사충률을 보인 반면에 지역 계통은 약제별로 상이하게 나타났다. 우수 약제를 선발하기 위해 약효 지수를 감수성 계통을 기준으로 산출하였다. 2020_JB_01 계통에 대한 우수 약제는 Test_02, Test_03 그리고 Test_10 약제가 선정되었다. 2020_CB_01 계통에 대해서는 Test_03과 Test_04가 선정되었다. 2020_GW_01 계통에서는 Test_01, Test_02, Test_03, Test_06 그리고 Test_10이 선정되었다. 계통 별 약제 반응이 다른 이유는 농가별 사용 약제와 살포 횟수가 다르기 때문인 것으로 사료된다. 약효 간이 검정법은 우수 약제 선발을 가능하게 하여 딸기 재배지 점박이응애 방제 효율을 증대시킬 것으로 기대된다.

• Tribology and Lubricants
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• 제18권4호
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• pp.255-259
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• 2002

The tribological properties of eight different liquid crystals were investigated in a concentrated point contact device and a ball-on-flat contact. For comparison, the same tests were also performed with commercial greases and the corresponding base oils. Under the fully flooded conditions studied, liquid crystals in a concentrated point contact showed lower friction than commercial greases and greater film thickness dependence on rolling speed than grease base oils or greases. Test results also showed that the film thickness and friction were little influenced by the composition of the examined liquid crystals.