• Asian-Australasian Journal of Animal Sciences
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• v.13 no.8
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• pp.1162-1172
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• 2000

The research was conducted to quantify farm and household characteristics of sheep farmers, evaluate farmer access to and the effectiveness of livestock services in sheep farming areas, and examine regional constraints to improving sheep productivity and profitability in Nepal. A rapid diagnostic socioeconomic survey of 200 sheep farmers was carried out in 1996 and all four ecological regions (Trans-Himalayan, Mountains, Hills and Terai), each with a distinct local sheep breed, were represented in the survey. Six major constraints were identified: (a) poor performance of local sheep breeds, (b) a serious seasonal deficit of pasture and other feed, (c) the lack of an organized market for wool and meat, (d) poor access to agricultural credit, (e) primitive shearing equipment, and (f) an inadequate supply of drinking water for sheep. Strategies to assist farmers develop their sheep management skills, improve access and quality of support services, improved technology adaptable to local conditions and effective linkages with local carpet and meat industry are likely to overcome the constraints and alleviate persistent poverty faced by sheep farmers in Nepal.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.105-115
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• 2020

The study empirically examines the effects of loan portfolio diversification on bank risk and return in the nascent banking market of Vietnam. Loan portfolio diversification is captured through the Hirschman-Herfindahl index and the Shannon Entropy with sectoral exposures. We access each bank's financial reports to collect the required data, especially the breakdown of sectoral loan portfolios, thus constituting a unique dataset. To compute bank return, we use the traditional accounting indicators, including return-on-assets, return-on-equity, and net-interest margin. For bank risk, we utilize the loan-loss provisions and non-performing loans relative to gross customer loans. Using a sample of 30 commercial banks over the period from 2008 to 2019 and the system generalized method of moments estimator for the dynamic panel, we indicate the downsides of portfolio diversification. Concretely, we observe that all diversification measures exhibit significantly negative signs in all regressions across different bank return proxies. At the same time, the estimates display the significant and positive impact of diversification on the non-performing loan ratio. Hence, sectoral loan portfolio diversification significantly hampers bank performance in both aspects of lower return and higher credit risk. The results are robust across a rich set of bank performance and portfolio diversification measures.

• The KIPS Transactions:PartD
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• v.14D no.4 s.114
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• pp.363-372
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• 2007

Password, a traditional user confirmation method that is used for more than 100 years, has become useless as a lot of transactions are dealt by indirect contacts. As a result, an alternative for password is required now. In this paper, we propose a novel confirmation method, which is called Brain-Key. It uses an indirect password input method. It reduces the risks due to hacking, and prevents a big credit accident because it prevents passwords to be reused. Our proposed model has general applicability so that it can be applied in domestic market as well as international markets. This research may provide solutions for the security problems in the electronic commerce.

• Journal of the Korean Society of Costume
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• v.56 no.6 s.105
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• pp.87-95
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• 2006

This is a study regarding the development of Cultural Products with Applied Koguryo Wadang Patterns. The objective of this study is in developing unique Cultural Products which combine traditional Korean images with modern feel by utilizing Koguryo Wadang patterns. The among Korean traditional patterns which implicit the sense of beauty and modeling, chose and investigated the Wadang patterns of the Koguryo. And from it, studied about the originality and characteristics of the Koguryo Wadang patterns. In this characteristics of the Wadang pattern, the representative lotus design pattern was based and reorganized to fine the probability of the modern expression using traditional patterns. After design plans were made for each works, natural dyes were used to dye(dip dyeing, printing) the fabrics(cotton:Kwang-mok) by theme. Approximately 16 pieces of Cultural Products that can be used in daily life were created using Koguryo Wadang patterns, including Traffic or credit card cases, Name card cases, Pouches, CD cases, Cushions, Bags, Purses, Vest, Muffler. In addition, the increased quality of the products will be a competitive edge in the world market where products compete with no national bounds.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.11
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• pp.205-218
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• 2020

This study aims to analyze the influence of financial inclusion on micro-, small-, and medium-sized enterprises' (MSMEs) performance and examine the mediation role of financial intermediation and access to capital. The object of this study is MSMEs in Malang, Indonesia. The sample consists of 100 MSME actors in Malang City, which is determined using Roscoes theory. The data is collected using Simple Random Sampling method, by distributing questionnaire measured with Likert scales. The hypotheses proposed in this study are examined using Partial Least Square (PLS) model. The results of this study show that financial inclusion influences MSMEs' performance both directly and indirectly through mediation from financial intermediation and access to capital. The direct influence means that the efforts to increase access to financial services, especially access to credit financing for MSMEs, will be able to increase market share, number of workers, sales, as well as profit of the MSMEs. Increased financial inclusion has a major impact on improving MSMEs' performance through financial intermediation compared to access to capital. This means that the increase of financial access for MSMEs followed by an increase in financial intermediation in the form of a financial service approach to MSMEs will improve MSMEs' performance.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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• pp.231-240
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• 2020

E-commerce development led to the explosion of online payment. Consumers have many choices when deciding on the online payment method for each transaction. Using a combination of both qualitative and quantitative methods with the help of SPSS AMOS version 22.0, the article explores the factors that influence consumers' online payment method decision behavior in Vietnam. Research results show that awareness of usefulness, awareness of risk, awareness of trust, awareness ease of use, product uncertainly perception and perceived behavioral control have effects on the behavior of deciding on online payment methods. Awareness of risk has the strongest negative impact on online payment method decision behavior and awareness of usefulness has the strongest positive impact on online payment method decision behavior. Based on these important results, the article proposes a number of implications: (i) continuing to invest and upgrade modern technology to ensure customer information absolutely confidential; (ii) converting all ATM cards on the market to EMV chip standard card technology; (iii) improving service activities, quickly handle things to create confidence for customers; (iv) credit institutions operating in the field of online payment linked to e-commerce sites, supermarkets, convenience stores, restaurants must ask partners to increase transparency for the products.

• Korean Journal of Agricultural Science
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• v.32 no.1
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• pp.95-106
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• 2005

This study was focused on analyzing the impacts of e-commerce on the farmer's management behavior and suggesting alternatives for the development of e-commerce in agricultural industry. For this study, survey was conducted for 24 farmers who sell agricultural products through e-commerce in Chungnam province. The results of study are as follows; First, farmers have changed their management practices in terms of production, marketing and processing by using the information of consumers' preferences while doing e-commerce business. Second, farmers have attempted to differentiate their product through product brand and customer relationship marketing, because they recognized the importance of developing marketing techniques adapted to e-commerce system for more revenues. Third, if quality certification system of agricultural products is introduced under e-commerce, farmers would use it for their environmentally sounded farming because they expect to increase their income. Fourth, 75% of the farmers sold their product at retail price. It means that e-commerce farmers act as a price maker rather than price taker at e-commerce market, who will be encouraged to have larger business size resulting in more added value. Based on the results of study, we suggest that there should be reduction of service charge for credit card, and encouragement of B2B transaction for the economy of scale and introduction of quality certification system so as to establish e-commerce system of agricultural industry as soon as possible.

• IE interfaces
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• v.24 no.1
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• pp.24-39
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• 2011

In this paper, we study the methodology for the measurement and integration of market risk and credit risk using Copula. We apply the methodology of Rosenberg, and Schuermann(2006) to the assets of pension system. Firstly we estimate dynamics of risk factors and their effects on investment returns, then use the estimated result to simulate future movement of risk factors and distribution of investment returns. Finally we measure integrated risk using integrated return distribution by Copula and simulated future investment return distributions. We found the integrated risk changing with the correlation of risks and investment weights of risks and confirmed the diversification effect of risks. This result is consistent when we use normal Copula and normal marginals, t-Copula and t(3) marginals, and normal Copula and non-parametric marginals. And in the case of non-parametric maginals, larger integrated risk is calculated. It means that use of non-parametric marginals is more conservative.

• Journal of Climate Change Research
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• v.8 no.1
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• pp.41-50
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• 2017

As serious consequences of climate change became indisputable, vehicles based on fossil fuel has to be shifted toward more sustainable way to drastically reduce carbon emissions. Eco-friendly vehicles contribute mitigating climate change through reducing the greenhouse gas emissions. The goal of this research is to find ways to promote the eco-friendly vehicle industry in Korea. In order to achieve this goal, surveys are collected from the professionals of eco-friendly vehicle industry, and analyzed through Delphi method. Results show that the first thing is to promote the eco-friendly vehicle market by introducing the economic incentives. The second thing is to allow more emission credit for eco-friendly vehicle manufacturers. The third thing is to build more concrete infrastructure for the eco-friendly vehicles. The increase of the number of the electric or hydrogen charging system would be one of the good examples of the infrastructure. The fourth thing is that the government supports the research & development of eco-friendly vehicles. The fifth is to regulate that the government agency is mandatory to use the eco-friendly vehicles. The sixth thing is to provide the low-carbon certification for eco-friendly vehicles. The seventh thing is to support advertising the eco-friendly vehicles. The results from this research can be used as a guideline to make policies to stimulate the eco-friendly vehicle industry in Korea.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.8
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• pp.365-373
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• 2021

Loan monitoring is a fundamental element of credit control. The importance of loan monitoring is to reduce loan defaults and to increase loan repayment performance. The ex-post monitoring can also increase the loan quality and thus a concern to many creditors in the market economy. This study identifies the role of ex-post monitoring on loan repayment performance in the context of rural Vietnam. Employing primary data from rural areas of Vietnam, this study investigates the impacts of ex-post monitoring on loan repayment performance of individual borrowers in terms of on-time loan repayment and the rate of loan repayment. Descriptions of borrower demographics, loan information, and ex-post monitoring show the initial picture of borrowers and loans in Vietnam's rural areas. Quantitative estimations that use the Probit and the Tobit model confirm the argument that better ex-post monitoring would result in better loan repayment performance in both on-time repayment and repayment rate. Thus, some policy suggestions have been made to improve the monitoring system in each financial institution. The study also indicates that some other factors too affect loan repayment performance such as borrower's characteristics (education, agricultural working area, and income) as well as loan's characteristics (loan size, maturity, and loan purpose).