• Title/Summary/Keyword: Credit Evaluation.

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Evaluation of Information Technology Impact on State-owned Commercial Banks' Efficiency: The Case of Bangladesh

  • BEGUM, Shakera;BATEN, Md. Azizul;ALI, Rahmat
    • Asian Journal of Business Environment
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    • v.12 no.1
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    • pp.1-9
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    • 2022
  • Purpose: This study measures the effect of Information Technology (IT) on both cost and profit efficiency of State-owned Commercial Banks (SOCBs) in Bangladesh. Research design, data and methodology: Yearly Non-IT and IT data are collected from the annual report of SOCBs of Bangladesh from 2008 to 2017. Variable Return to Scale (VRS) cost Data Envelopment Analysis (DEA) and Profit DEA are employed to measure the efficiency of SOCBs and Ordinary Least Square (OLS) is used to investigate the impacts of ICT components on operating cost and profit efficiency for SOCBs. Results: The average cost efficiency (74.4%) was noticed higher than the average profit efficiency (20.6%) for SOCBs. SOCBs were more affordable and less profitable for both cost and profit efficiency. Rupali bank was the most cost efficient while Sonali bank was the most profit efficient. IT Investment and IT personnel expenses were positively significant for cost efficiency. IT income, IT personnel, IT personnel expenses, ATM expenses, and Credit card expenses were negatively significant for profit efficiency. Conclusion: The further studies can combine DEA with machine learning algorithms to study the impact of IT on banks' performances. The results could aid government to remove the hindrance of progress in Bangladesh.

Study on the Association between Personal Information Protection Legislation and Information Security Product (개인정보보호 관련 법령의 내용과 보안제품 분포간의 연관성 분석)

  • Kim, Min-Jeong;Lee, Jung Won;Yoo, Jinho
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.25 no.6
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    • pp.1549-1560
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    • 2015
  • For the past few years, personal information breach incidents, great and small, occurred constantly. Accordingly, the Personal Information Protection related Ordinances are enacted and amended persistently, and the information security products also keep advancing and developing in the same way. There are the certification systems such as Common Criteria Evaluation and Validation(CC) and Korea Cryptographic Module Validation Program(KCMVP) for the information security products. These are also strictly carried out. This paper analyzes and categorizes the 5 Personal Information Protection related Ordinances in the aspects of technical protection measures by using key words. Here are the 5 related ordinances; 'the Personal Information Protection Act', 'the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc', 'the Act on the Protection, Use, Etc, of Location Information', 'the Use and Protection of Credit Information Act', and 'the Electronic Financial Transactions Act.' Moreover, this study analyzes the association between the technical protection measures in the 5 relevant laws and the information security products that are obtaining the CC Evaluation & Validation(CC) and the products that are now produced at KISIA's member companies.

An Empirical Analysis about the Effect on Performance of Firm's Patent Competency : Focusing on the High Performance Venture Firms in Korea (기업의 특허 역량이 성과에 미치는 영향에 관한 실증 분석 : 우수 벤처기업을 중심으로)

  • Ahn, Yeon S.
    • Knowledge Management Research
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    • v.11 no.1
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    • pp.83-96
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    • 2010
  • In this study, the effect of firm's patent competency on the their management performance was analysed. The number of patents granted to Korean firms, patent grade score as of the firm's patent competence were considered in the perspectives of patent volume and patent value respectively. Specially the analysis were implemented focusing on the high performance venture ranked 200th in Korea. The patent source data were from the Korean Intellectual Property Office, Korean Credit Evaluation Information Company, and the Patent Evaluation System of KIPO and KIPA. And the year sales and net profit volume as of the firm's management performance data from the KIS. Management performance data are consisted of the mean sales, net profit and ROI during the 4 years from FY2005 to FY2008. Major results are as follows. The regression model were proved significantly that the year sales volume and net profit are effected by the number of patents and patent grade score. But the model including the ROI were shown not significantly. So it can be concluded that patent volume and patent value are the important factors on firm's financial performance as of the year sales volume and net profit. Also the regression model including the control variables, firm's number of employee and business year, the number of patents and patent grade score are the significant factors on firms performance. And regression coefficients of patent value model were higher than these of patent volume model. So it can be recognized that patent value of firms' patent competency are more important factor than the patent volume.

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A empirical study on the Employee's Workplace Satisfaction for Insurance Claim adjusting company (손해사정회사 종업원의 직장만족 결정요인 연구)

  • Kim, Jaetae;Yoo, kyungjin;Choi, Youngjin;Kim, Jongwon
    • Journal of the Society of Disaster Information
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    • v.11 no.2
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    • pp.245-252
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    • 2015
  • Employee's workplace satisfaction of claim adjusting company, who assesses the loss of catastrophe, have a direct influence on the loss evaluation job. Eventually their satisfaction would affect the compensation satisfaction of victims, therefore it is one of important factors for victims's compensation satisfaction. This paper analyzes empirically the determinants of employee's satisfaction to their firm for a claim adjusting company. As a result of the empirical research, it is found that the statistically significant determinant are the psychological factor, the organizational factor, and the individual factor. Among the significant factors, the psychological factor has the biggest positive factor. And the organizational factor and the individual factor is next with similar positive measurement. But the cognitive factor is not statistically significant. A claim adjusting company may use the research result for the improvement of employee's workplace satisfaction.

Risk Evaluation of the Project Finance for Overseas Independent Power Projects Using a Fuzzy Multi-Criteria Decision-Making Analysis (퍼지 다기준 의사결정분석을 통한 해외 독립발전사업 사업금융 리스크 분석)

  • Hur, Kyong-Goo;Kim, Joo-Nam
    • The Journal of the Korea Contents Association
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    • v.17 no.5
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    • pp.574-590
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    • 2017
  • The purpose of this paper is the provision of a decision-making tool for developers to identify the project risks for under-consideration overseas independent power projects (IPPs), and to analyze the priority and importance weights of the risks through the employment of a fuzzy multi-criteria decision-making (MCDM) approach. A fuzzy MCDM is the calculation method for which the imprecision of each respondent's unique opinion is considered. Through the extensive literature surveys that were conducted for this paper, eight major project finance (PF) risks have been derived credit risk, completion risk, market risk, fuel risk, operating risk, financial risk, environmental risk, and force majeure. The empirical results show that the market risk is the most important risk factor in terms of overseas IPPs, thereby confirming that the long-term power purchase agreement (PPA) guarantee of the host country is one of the most important corresponding factors for the PF.

A Basic Study on the Determination Method of Reconstruction and Remodeling of Deteriorated School Facilities - Focusing on the Case of S High School in Incheon Metropolitan City - (노후 학교시설의 개축 및 리모델링 타당성 판별 방법에 대한 기초연구 -인천광역시 S 고등학교 사례를 중심으로-)

  • Meang, Joon-Ho;Kim, Sung-Joong;Song, Byung-Joon;Kim, Jae-Young
    • The Journal of Sustainable Design and Educational Environment Research
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    • v.21 no.2
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    • pp.1-10
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    • 2022
  • This study aims to prepare an objective project basis by reviewing the feasibility of reconstructing and remodeling Greensmart Future School project for S High School's main building, which was built more than 40 years ago, in Incheon Metropolitan City, and to apply and review an effective methodology for determining renovation and remodeling. To this end, the feasibility of reconstruction and remodeling was evaluated in the long term by synthesizing the results of quantitative evaluation through economic review and qualitative evaluation through educational functional review. As a result of the study, it was found that the reconstruction plan was advantageous throughout all alternatives in terms of economic costs, and the field survey indicated limitations in spatial functions to support students' various educational activities and applying new directions, especially the 2022 revised curriculum and high school credit system.

A Relative Importance Evaluation of Shipbroking Service by the AHP (AHP 분석을 이용한 해운중개 서비스의 상대적 중요도 평가)

  • Kim, Hwa Young;Kim, Un Soo
    • Journal of Korea Port Economic Association
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    • v.29 no.4
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    • pp.157-174
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    • 2013
  • A shipbroking is maritime service business, which is consist of market of freight, shipbuilding, sales & purchase and demolition for intermediation between customer and supplier. In this way, a shipbroking business has strong relationship with shipping industry and is also knowledge service business for creation additional value based on shipping, shipbuilding, financial and law etc. However, the research on the evaluation items and a method for shipbroking company were not carried out in previous research. In this paper, We defined evaluation items with three high level, six middle level and sixteen low level for evaluation of shipbroking service by expert's brainstorming and AHP(analytic hierarchy process) method. And also carried out survey to employees of shipbroking company as supplier and shipping company as customer. As a result of survey, result of service in high level, convenient of middle level and credibility of low level are evaluated highly, and also business credit rating, profit of customer, achievement of customer's object are considered to more important than others items. In case of comparison between group, a method of contact with client, problem-solving ability, good relationship with clients of international and domestic evaluated importantly in common.

A Study on Satisfaction of Clinical Practice of Dental Technology Students - Focused on Daegu region - (치기공과학생의 임상실습만족도에 대한 조사 연구 -대구지역을 중심으로-)

  • Lee, Hwa-Sik;Bae, Bong-Jin;Park, Myoung-Ho
    • Journal of Technologic Dentistry
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    • v.31 no.4
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    • pp.45-52
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    • 2009
  • This study is analyzed to conduct better on-site practices with recognizing importance of the clinical practice of Dept. of dental technology and use it as a basic material in the clinical practice. Target people who are students studying dental technology in D college in Daegu were questioned by survey. Study results below 1. Average score of the survey about satisfaction of the operating method of clinical practice shows 3.26. In detail elements, 'credit assignment(10 credits)' is 3.65 as the highest score, 'execution period(vacation)' is 3.50, 'choice of the clinical practice organization' is 3.25, 'measures after practice' is 2.98 and 'pre-education' is 2.98 as the lowest score. 2. Through the real clinical practice, 'experience of new equipments and technology' is 3.64 as the highest score, 'choice of lecturer' is 3.61, 'guidance way' is 3.49, 'contents properness' is 3.44, 'environment of practice organization' is 3.36, 'evaluation way' is 3.35 and 'practical use of the evaluation material' is 3.18 as the lowest score. 3. The average score of survey about satisfaction after clinical practice of the participated students is 3.46 that is higher than both 'satisfaction about operating method(3.26)' about clinical practice of college and 'satisfaction about organization(3.44)' about environment of dental craft organizations and labs, guidance way of lecturer and evaluation. 4. In the improvement of distribution of the clinical practice evaluation, in the 'practice organization: college' viewpoint, '7:3' is 35.77% as the highest response, '6:4' is 25.20%, '8:2' is 22.76% and '4:6' is 16.26 in regular sequence. 5. In site evaluation reflection of clinical practice, 50% reflection is 32.93% as the highest percentage, 60% reflection is 26.83%, 20% reflection is 20.73% and 80% reflection is 6.10% in regular sequence. In attendance score, it shows percentage of reflecting 50% and 40% is 26.98%, students wanting to reflect 30% is 25.40%, reflecting 10% is 20.63% and no reflecting is 0%. In result of the analyzed data, clinical practice has to be studied more in considering that clinical practice is important point in education of Dept. of Dental Technology and also problems in college and on-site practice need improvements.

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The Implementation and Evaluation of Learning Experience-Based Professionalism Program in Medical School (의과대학의 학습경험 중심 전문직업성 프로그램 운영 및 평가)

  • Yoo, Hyo Hyun;Kim, Young Jon
    • The Journal of the Korea Contents Association
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    • v.18 no.1
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    • pp.164-172
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    • 2018
  • This study explores how to implement a learning experience-based professionalism program for a medical students and evaluates its program through effectiveness and usability test. This study aims to provide practical implications for experience-based learning in an undergraduate level. Seventy four first-year medical students enrolled in PDS1(Patient-Doctor-Society 1): professionalism, one-week block (30 hours), one-credit program based on a experience-based learning model. All of the students were given six learning themes and learning resources and supporting tools, and conducted stepwise learning activities; preparation, organization, sharing, reflection and evaluation of experiences. The effectiveness of learning was evaluated by comparing the pre and post results of student's self-assessment on 24 questionnaire items about professionalism. After the course, the students and instructors conducted a usability evaluation of the program through questionnaires or group interviews. Learners' self-assessment results of professionalism such as leadership, self-directed learning, professional attitude, and social accountability all showed significant differences between the pre- and post-test. Satisfaction of the program was distributed to 3.58~3.78 according to items. Instructors and learner interviews confirmed practical usability throughout the course design, implementation and students evaluation. The results of the study showed the feasibility of implementing learning experience-based professionalism program in medical school. This study provides practical implications to develope and evaluate the learning experience-based professionalism program in medical education.

An Empirical Study on Survival Characteristics of Young Start-up Entrepreneurs(20~30s) (청년창업기업(20~30대)의 생존특성에 관한 실증연구)

  • Nam, Gi Joung;Lee, Dong Myung
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.13 no.5
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    • pp.63-72
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    • 2018
  • The purpose of this study was to analyze the survival rate and survival characteristics of young start-up entrepreneurs supported with public financing, by using non-parametric statistic of Kaplanr-Meier Analysis on non-financial data. Average survival periods of different survival characteristics have been estimated by dividing the age groups into 20s and 30s. After then, the main variables affecting the survival period have been analyzed. 3,825 firms guaranteed by Credit Guarantee Institutions in Korea were used as database for the analysis. 3,242 firms have survived while 583 firms have gone insolvent. The study period was from January 1, 2011 to December 31, 2017. Age-based breakdown of the business founders show that 3 variables in the 20s and 5 variables in the 30s are derived as the significant variables, resulting in the significant differences of each age group. In other words, the start-up support agencies and financial institutions need to develop a credit evaluation system that distinguishes the criteria of age range and find information that reflect the characteristics of entrepreneurs in their 20s as well as developing tailor-made financial products. Also, step-by-step support measures are required for the start-ups of high survival times and make them grow into promising SMEs. Meanwhile, non-financial support plans shall be invigorated along with the financial ones to help the start-ups of low survival times. This study is meaningful in that the survival analysis has been conducted by using the non-financial data of young start-up entrepreneurs. It is expected that the results of this analysis contribute to the enhancement of survival rate of start-ups by providing start-up support agencies and start-up business owners with the unique information of the survival characteristics.