• Title/Summary/Keyword: Credit Availability

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Latent Profile Analysis According to the Subject Selection Criteria of General High School Students

  • Kim, Eun-Mi
    • International Journal of Advanced Culture Technology
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    • v.9 no.4
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    • pp.226-236
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    • 2021
  • The purpose of this study is to analyze the type of latent profile for general high school students' subject selection criteria and to identify the characteristics of the latent class. The survey data of 1072 general high school students (male; 648, female; 424) in G city, Jeollabuk-do and the scale composed of 8 sub-factors: 'SAT orientation', 'academic achievement', 'ability orientation', 'pursuit of interest', 'teacher orientation', 'career development', 'others' recommendation', and 'subject availability' were used for latent profile analysis and cross-analysis between potential layers. As a result of the analysis, high school students' perceptions of subject selection were classified into four latent profiles. The four groups were named 'High Perception Type', 'Low Perception Type', 'Self-Directed Type', and 'Stability-Oriented Type' according to their types. It was found that there was a difference between the latent classes in the importance and performance level of the subject selection criteria. These results can help identify the subject selection tendencies of latent groups in the operation of the 2015 revised curriculum and the 2025 high school credit system that emphasizes the student-centered course selection curriculum and they can also provide customized course selection guidance considering individual differences.

The Effect of Equity Crowdfunding on Job Creation (주식형 크라우드 펀딩이 고용창출에 미치는 효과)

  • Chun, Hesuk
    • The Journal of the Korea Contents Association
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    • v.15 no.12
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    • pp.541-549
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    • 2015
  • Research about U.S. and European countries demonstrated that startups and young firms account for nearly all net job creation. If we want to bring down unemployment and to increase economic growth rate, we need to create new companies and to make them to grow. Credit availability is one of the most important factors for entrepreneurs as they attempt to start or expand a business. For young firms, access to credit for business growth can mean the difference between survival and failure. Equity crowdfunding is an innovative means of raising capital for businesses. Crowdfunding campaigns can give new business access to a large pool of investors. This brings huge benefits for marketing and increase provability of success of business and ROI, so it leads follow-on investment from Venture Capital and Angel investors. In Korea, the survival rate of startups and average growth rate of survivors is far lower than those of the U.S or other countries due to lack of funds for startup or early business growth. Equity crowdfunding can be a new funding source for venture or startups. It can increase startup and survival rate, in addition to the growth rate of survivors, resulting in decreased unemployment rate. In Korea, Equity crowdfunding will be available from 2016. Further study is needed to determine whether the impact of crowdfunding in Korea on job creation will be similar to its impact in the U.S.

A Study on IPA-based Competitiveness Enhancement Measures for Regular Freight Service (IPA분석을 이용한 정기화물운송업의 경쟁력 강화방안에 관한 연구)

  • Lee, Young-Jae;Park, Soo-Hong;Sun, Il-Suck
    • Journal of Distribution Science
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    • v.13 no.1
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    • pp.83-91
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    • 2015
  • Purpose - Despite the structural irrationality of multi-level transportation and the oil price rise, the domestic freight transportation market continues to grow, mirroring the rise in e-commerce and resultant increase in courier services and freight volumes. Several studies on courier services have been conducted. However, few studies or statistics have been published regarding regular freight services although they have played a role in the freight service market. The present study identifies the characteristics of regular freight service users to seek competitiveness enhancement measures specific to regular freight services. Research design, data, and methodology - IPA is a comparative analysis of the relative importance of and satisfaction with each attribute simultaneously. This study used IPA because it facilitates the process of analyzing importance and performance, deriving implications and a visual understanding of results. To enhance the competitiveness of regular freight services, this study surveyed its current users regarding the importance of the regular freight service factors. A total of 200 copies of a questionnaire were circulated and 190 copies were returned. In addition to demographics, respondents answered questions about the importance of and satisfaction with services on a 5-point Likert scale. Excluding 3 inappropriate copies, 187 out of 190 copies were analyzed. PASW Statistics 18 was used for statistical analysis. A total of 20 question items were selected for the service factors presented in the questionnaire based on the 1st pilot survey and previous studies. Results - According to the IPA performed to compare the importance of and satisfaction with service factors, both importance and satisfaction are high in the 1st quadrant, which involves the economic advantage of using regular freight services, quick arrival at destinations, weight freight handling, and less time constraints on freight receipt/dispatch. This area requires continuous management. Satisfaction is higher than importance in the 2nd quadrant, which involves the adequacy of freight, cost savings over ordinary courier services, notification on freight arrival, and freight tracking information. This area requires intensive investment and management. Satisfaction is lower than importance in the 3rd quadrant, involving the credit card payment system, courier delivery service, distance to freight handling sites, easy access to freight handling sites, and prompt problem solving. This area requires further intensive management. Both importance and satisfaction are low in the 4th quadrant, involving the availability of collection service, storage space at freight handling sites, kindness of collection/delivery staff, kindness of outlet staff, and easy delivery checks. This area is a set of variables should be excluded from priority control targets. Conclusions - Based on the IPA, service factors that need priority controls because of high importance and low satisfaction include the credit card payment system, delivery service, distance to freight handling sites, easy access to freight handling sites, and prompt problem solving. The findings need to be applied to future marketing strategies for regular freight services and for developing competitiveness enhancement programs.

A Design and Practical Use of Spatial Data Warehouse for Spatiall Decision Making (공간적 의사결정을 위한 공간 데이터 웨어하우스 설계 및 활용)

  • Park Ji-Man;Hwang Chul-sue
    • Spatial Information Research
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    • v.13 no.3 s.34
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    • pp.239-252
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    • 2005
  • The major reason that spatial data warehousing has attracted a great deal of attention in business GIS in recent years is due to the wide availability of huge amount of spatial data and the imminent need for fuming such data into useful geographic information. Therefore, this research has been focused on designing and implementing the pilot tested system for spatial decision making. The purpose of the system is to predict targeted marketing area by discriminating the customers by using both transaction quantity and the number of customer using credit card in department store. Moreover, the pilot tested system of this research provides OLAP tools for interactive analysis of multidimensional data of geographically various granularities, which facilitate effective spatial data mining. focused on the analysis methodology, the case study is aiming to use GIS and clustering for knowledge discovery. Especially, the importance of this study is in the use of snowflake schema model capabilities for GIS framework.

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A Study on Security Capability of IDPS (침입 탐지 및 차단 시스템의 보안능력에 관한 연구)

  • Woo, Sung-Hee
    • Journal of the Institute of Electronics Engineers of Korea CI
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    • v.49 no.4
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    • pp.9-15
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    • 2012
  • With the rise of internet and e-commerce, this is more applicable now than ever. People rely on computer networks to provide them with news, stock prices, e-mail and online shopping. People's credit card details, medical records and other personal information are stored on computer systems. Many companies have a web presence as an essential part of their business. The research community uses computer systems to undertake research and to disseminate findings. The integrity and availability of all these systems have to be protected against a number of threats. Amateur hackers, rival corporations, terrorists and even foreign governments have the motive and capability to carry out sophisticated attacks against computer systems. Therefore, the field of information and communication security has become vitally important to the safety and economic well being of society as a whole. This paper provides an overview of IDS and IPS, their functions, detection and analysis techniques. It also presents comparison of security capability and characteristics of IDPS techniques. This will make basis of IDPS(Intrusion Detection and Protection System) technology integration for a broad-based IDPS solutions

Analysis of the Joint Crediting Mechanism's Contribution to Japan's NDC (일본의 NDC 이행을 위한 공동감축실적이전 분석)

  • Kim, Youngsun
    • Journal of Climate Change Research
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    • v.8 no.4
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    • pp.297-303
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    • 2017
  • Considering Japan's Greenhouse Gas (GHG) emissions reduction target for Fiscal Year (FY) 2030, the Joint Crediting Mechanism (JCM) was analyzed in order to estimate its significant contribution to Japan's Nationally Determined Contribution (NDC) and check its availability as a new mechanism to achieve Korea's 2030 mitigation target of 11.3% using carbon credits from international market mechanisms. The total budget for JCM Model Projects (1.2 billion JPY/yr) and JCM REDD+ Model Projects (0.8 billion JPY/yr), which are expected to deliver at least 50% of issued credits to Japan, is estimated about 21.6 billion JPY by the year 2030. This budget is about one third of the purchase of carbon credits from international carbon markets. So far, JCM credits of $378tCO_2-eq$. have been allocated to Japan, which are about 77% of the total issued credit through five-JCM Model Projects implemented from the year 2014. It is expected that Japan will obtain about $0.5MtCO_2-eq$. credits more from 100-ongoing JCM Projects, which are only 1% of Japan's NDC target through JCM credits. With regard to regular issued credits from implemented projects, expected new issued credits from pipeline projects and the less budget for JCM implementation as compared to purchasing carbon credits, JCM credits can be reached a resonable level of Japan's NDC target of $50{\times}100MtCO_2-eq$. through JCM until FY 2030.

Analysis of Factors Affecting Economic Feasibility of Long-term Public Rental Housing Reconstruction Project

  • Joe, Won Goog;Cho, Jae Ho;Son, Bo Sik;Chae, Myung Jin;Lim, Nam Gi;Chun, Jae Youl
    • Architectural research
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    • v.24 no.3
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    • pp.85-91
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    • 2022
  • The public rental housing policy aims to provide the housing to the vulnerable class who do not have enough credit to own houses. The Korean government introduced new policies for housing supply to improve the availability of new houses. However, it is difficult to expand the supply because of the accumulated deficit of public rental housing. In this study, the economic feasibility of long-term public rental housing reconstruction projects was examined to ensure the economic and sustainable growth of public rental housing. The research found that the compensation for the accumulated deficit is needed. Also the research analyzed and identified the factors affecting the economic feasibility of reconstruction projects. The significant factors identified in this research are: the supply price of pre-sale/rental housing in the reconstruction project, total cost of the reconstruction project, and total floor area of the reconstruction project. According to the analysis results, it is necessary to increase the rent of existing long-term public rental housing, expand the government subsidy, increase the supply price of pre-sale/rental housing, and reduce the total project cost. However, there are limitations. For example, the fluctuations of construction market, residents' burden of housing costs, and the limit of the budget of the public housing authority. The increasing total Floor Area Ratio(FAR) limitation of the reconstruction project would be the realistic solution to the problem because it gives incentives to the reconstruction project.

The Role of Education Information in Training Specialists at Universities in the USA, Great Britain and Ukraine

  • Mamchych, Olena;Chornobryva, Natalia;Karskanova, Svitlana;Vlasenko, Karina;Syroiezhko, Olha;Zorochkina, Tetiana;Chychuk, Antonina
    • International Journal of Computer Science & Network Security
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    • v.22 no.11
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    • pp.43-50
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    • 2022
  • A comparative analysis of the state and results of the functioning of the education system of Ukraine with the national educational systems of the USA and Great Britain was carried out. Based on which we found out similar and different in the process of developing the system of training specialists in higher education institutions of the USA, Great Britain, and Ukraine. Describing the main quantitative indicators of education in the UK, USA and Ukraine, we found common features and distinctive features. Consideration in the comparative aspect of trends in the development of higher teacher education in the United States, Great Britain and in Ukraine gives grounds for conclusion. For these countries, such groups of norms as types of educational institutions, forms of Education; introduction of a unified system of credit units in order to create conditions for broad mobility of students; availability of different levels of training; study of the best experience of educational activities of other states and its introduction into the educational process in combination with the cultural traditions of Ukraine coincide. Describing the main quantitative indicators of education in the analyzed countries, we found distinctive features.Teacher development systems in the UK, USA and Ukraine are compared. It was found out that the use of methods of Great Britain and the United States on the organization of independent work in the process of professional development of teachers will have a positive impact on training in the system of advanced training of teachers in Ukraine. The article examines the information culture of future specialists, which is based on knowledge about the information environment, the laws of its functioning and development, and the perfect ability to navigate the limitless modern world of information.

Returns and Resale Price Maintenance in Book Distribution (도서유통(圖書流通) 효율화(效率化)를 위한 공정거래정책(公正去來政策))

  • Shin, Kwang-shik
    • KDI Journal of Economic Policy
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    • v.13 no.2
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    • pp.141-161
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    • 1991
  • Resale price maintenance has long been employed in book distribution, perhaps longer than for any other product. Another unusual practice in the book trade that has proven to be quite durable in spite of its substantial cost in real resources is the returns policy. Publishers typically grant the right to return unsold books within a stipulated time for full credit against future orders. This paper investigates the functions and effects of resale price maintenance in the book trade, and argues that resale price maintenance and returns are substitute methods of providing the same economic function. Resale price maintenance can be used to compensate booksellers for initially stocking books with uncertain prospects and for providing a conduit through which manufacturers acquire information about consumer demand (market testing services). Permitting the return of unsold books for full credit places a floor under retail prices and transfers a considerable portion of the cost of introducing a new product line back to the publisher. Both reflect publishers' needs to have their books displayed. In the U.S. returns privileges were first proposed in 1913, roughly coincident with the Macy decision outlawing RPM. Publishers slowly granted return privileges, which become nearly universal by 1970. The decline in margins in recent years has been accompanied by an increase in returns as the return policy served to substitute for lost margins on successful titles as a methods of compensating full-line booksellers. In contrast, returns privileges are unusual in countries where price maintenance in books has been practiced. These observations are consistent with our analysis. In Korea, resale price maintenance of books is practiced under an exception to Korean antitrust law. The availability of effective price maintenance is likely to reduce the use of returns programs. Since consumers prefer to obtain books at outlets where they know the books are likely to be stocked rather than taking a chance on stores that carry a more limited line, it also provides a strong incentive for booksellers to expand. But the privilege of resale price maintenance should be confined to books which publishers want to be price maintained. Resale price maintenance and returns system differ in the transactions costs associated with inventory holding, and publishers' judgement on the comparative advantage of the two schemes should be honored. Publishers should also remain free to authorize sales at discount at any time not to impair the ability of booksellers to dispose of product variants that prove unpopular.

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The Suggestions for Sustainable Credit Provision Policy System to Overcome Financial Exclusion in Korea (지속가능한 정책서민금융체계를 위한 정책방안 연구)

  • Song, Chi-Seung;Park, Jaesung James
    • Korean small business review
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    • v.41 no.4
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    • pp.87-110
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    • 2019
  • The structural and sustainable implementation of the microfinance policy is required to be successful. To this end, the government should focus on availability and accessibility of the public microfinance, away from providing the beneficial financing (financial benefits)featured by the combination of the welfare and finance in the past. In addition, the government-sponsored microfinance needs to aim for performance-oriented evaluation that leads to stabilization of financial life of ordinary people or increase of income, moving away from conventional funding based on the scale and the quantity for the poor. It is necessary to implement the following policies in order for the Moon's administration to take the government-sponsored microfinance to the next level. The government-sponsored microfinance must be in the market failure domain, but nonetheless, it is required to be managed by structural and sustainable ways so that it complies with the market principles and does not crowd out the private microfinance. Last but not least, making the best use of the capital market function can be a way to fund social enterprises or social economy enterprises. This aims to enable catalyst capital in the capital market to play a prime role for the inflow of private capital for the purpose of creating the social value.