• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.109-115
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• 2021

This study aims to examine the effect of Operating Costs and Income, Loan to Deposit Ratio on the Return on Asset (ROA) of Public-Private Foreign Exchange Banks listed on the Indonesia Stock Exchange (IDX) during the 2015-2018 period. This study is a quantitative study using financial reports of Public-Private Foreign Exchange Banks listed on the IDX as a data source. This study's population is 25 Public-Private Foreign Exchange Banks listed on the IDX. This study uses purposive sampling to determine the sample to produce 21 banking companies. Data was analyzed using multiple linear regression methods and descriptive statistics. The F Test calculation results state that all the variables of free operating expenses, operating income, and the loan to deposit ratio simultaneously and significantly affect the return on assets (ROA) variable in Public-Private Foreign Exchange Banks listed on the IDX. This study's results indicate that simultaneously Operational Costs, Operational Income, and Loan to Deposit Ratio have a significant effect on ROA. Operational Costs and Operational Income have a significant negative impact on Return on Assets. The third hypothesis shows that the Loan to Deposit Ratio has a positive and insignificant effect on Return on Assets.

• 사회경제평론
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• v.31 no.2
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• pp.71-104
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• 2018

The purpose of this study is to reveal the significance of regional loan-to-deposit ratio and local banks through Post-Keynesian endogenous monetary theory. According to endogenous monetary theory, banks, rather than financial intermediaries, are credit creation agencies that create deposit money through loans. On the other hand, according to the existing view which interprets bank as a financial intermediary, it is seen that the higher the loan-to-deposit ratio of the deposit bank in a region, the more active the lending activity based on the deposit inflow. However, according to the endogenous monetary theory, the loan-to-deposit rate is reinterpreted as an indicator of regional balance. Especially, relatively high lending-to-deposit rate of a region is interpreted as follows: money circulation in the region is shrinking due to the outflow of deposits created through loans in the region. In addition, when considering the local based financial practices of local banks, their ability to create credit, and their impact on the real economy, it is necessary to positively review the local bank restructuring policy from the perspective of balanced regional development.

• Journal of the Korean Geotechnical Society
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• v.16 no.1
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• pp.167-178
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• 2000

An experimental study on step up filling method is carried out to reinforce the Yano method which is widely used to estimate volume ratio and self-weight consolidation settlement in reclamation area. This method considers actual reclamation construction in which dredged clay is continuously filled and rising of deposit height is presented as a result of volume decrease by height rising and self-weight consolidation. It measured the relationship between filling velocity and deposit rising velocity; calculated the total filling height which is needed to achieve the planned final deposit height, and its solid height and the time which is taken to finish the planned final deposit height; and on the basis of these calculated parameters, predicted the self-weight consolidation and volume change ratio in reclamation construction. Yano method is also used to predict the same conditions. 29.8% in self-weight consolidation, 31.1% in volume ratio, 40% in void ratio and water content is underestimated in Yano method compared to step up filling method.

• Geomechanics and Engineering
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• v.34 no.4
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• pp.397-408
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• 2023

Pipe pile walls are commonly used as retaining structures for excavation projects, particularly in densely populated coastal cities such as Hong Kong. Pipe pile walls are preferred in reclaimed land due to their cost-effectiveness and convenience for installation. However, the pre-bored piling techniques used to install pipe piles can cause significant ground disturbance, posing risks to nearby sensitive structures. This study reports a well-documented case history in a reclamation site, and it was found that pipe piling could induce ground settlement of up to 100 mm. Statutory design submissions in Hong Kong typically specify a ground settlement alarm level of 10 mm, which is significantly lower than the actual settlement observed in this study. In addition, lateral soil movement of approximately 70 mm was detected in the marine deposit. The lateral soil displacement in the marine deposit was found to be up to 3.4 and 3.1 times that of sand fill and CDG, respectively, mainly due to the relatively low stiffness of the marine deposit. Based on the monitoring data and site-investigation data, a 3D numerical analysis was established to back-analyze soil movements due to the installation of the pipe pile wall. The comparison between measured and computed results indicates that the equivalent ground loss ratio is 20%, 40%, and 20% for the fill, marine deposit and CDG, respectively. The maximum ground settlement increases with an increase in the ground loss ratio of the marine deposit, whereas the associated influence radius remains stationary at 1.2 times the pipe pile wall depth (H). The maximum ground settlement increases rapidly when the thickness of marine deposit is less than 0.32H, particularly for the ground loss ratio of larger than 40%. This study provides new insights into the pipe piling construction in reclamation sites.

• Journal of the Korean Society of Safety
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• v.15 no.4
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• pp.123-126
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• 2000

This study shows consolidation properties resulted from the experiment made on changes by load increment ratio and consolidation duration of standard consolidation test using deposit soil of Chungju Dam. Though the comparison and analysis of the result turned out that void ratio by load increment ratio was unchanged greatly, the result was inclined as followes : the smaller load increment ratio is, the bigger void ratio is, while the bigger load increment ratio is the bigger settlement is. Also coefficient of consolidation is increased in inverse ratio to load increment ratio. Coefficient of permeability is increased in proportion to load increment ratio, it is not fixed changes by consolidation duration, however. Degree of consolidation is increased to load increment ratio.

• Journal of the Korean Regional Science Association
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• v.14 no.1
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• pp.65-90
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• 1998

Time series data on the size of Chonsei deposit has been estimated. At the end of 1997, that size has been estimated as 112 trillion Korean Won. If the Chonsei system can be moved toward the monthly rental system, it is highly probable to achieve the Pareto imporvement whether there are uncertainties or not. The new system named as the Chonsei system without the Chonsei deposite has been suggested, which can be readily to be introduced. Under this system, the owner can sustain opportunitities of using Chonsei deposit, renters can rent houses whithout the Chonsei deposity and financial intermediaries can secure safe sources of loans, which will increase BIS capital ratio of banks.

• The Journal of Asian Finance, Economics and Business
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• v.6 no.3
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• pp.55-65
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• 2019

The purpose of this study is to discover the interaction between credit growth and operational self-sustainability and to examine factors that affect credit growth and operational self-sustainability of people's credit funds (PCFs). Credit growth and operational self-sustainability are factors affecting the operations and the goals of people's credit funds (PCFs) in the Mekong Delta region of Vietnam. After regression analysis on a set of panel data from 2013 to 2018 of 24 PCFs, it appears that deposit growth and loan-to-deposit ratio have positive relationships with credit growth, while capital adequacy ratio and operational self-sustainability have negative relationships with credit growth of PCFs; capital adequacy ratio, deposit growth and income have positive relationships with operational self-sustainability, while credit growth and non-performing loan ratio have negative relationships with the operational self-sustainability of PCFs. At the same time, credit growth and operational self-sustainability have a relationship to interact with each other in a contrary trend. The results of this research are accurate according to the characteristics and development history of PCFs in the Mekong Delta region of Vietnam from 2013-2018. This study helps researchers and managers to understand the key determinants for better management of PCFs.

• Journal of Advanced Marine Engineering and Technology
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• v.28 no.6
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• pp.1000-1009
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• 2004

The environment friendly calcareous deposit films were formed on steel plates by electrodeposition technique in natural seawater and synthetic solutions such as dissolved $\textrm{Mg}^{2+}$ and $\textrm{Ca}^{2+}$ ions at various potential conditions. The influence of potential conditions on composition ratio, structure and morphology of the electrodeposited films were investigated by scanning electron microscopy(SEM), energy dispersive spectroscopy(EDS) and X-ray diffractor (XRD). Accordingly, this study was provided a better understanding of the composition between the growth of $\textrm{Mg(OH)}_2$ and that of $\textrm{CaCO}_3$ during the formation of calcareous deposit films on steel substrate under cathodically electrodeposition in synthetic and natural seawater. The results showed that the formation of good overall calcareous deposited film in seawater can be achieved by controlling the Ca/Mg ratio according to interfacial pH with the effective use of the electro deposition technique.

• Journal of the Korean GEO-environmental Society
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• v.11 no.7
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• pp.5-14
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• 2010

The paper processed settlement analysis using Finite Elements Method(FEM). Because Stress Distribution Ratio has to be decreased, for settlement analysis of soft clay deposit improved by sand compaction piles(SCP). Back analysis was processed comparing the measured settlements of laboratory model tests and finite element analysis where the SCP treated area was assumed as mixed ground with clay deposit rather than being a composite ground. The paper proposes a methodology which employs a compression index($C_c$) for settlement analysis of soft clay deposit improved by sand compaction piles from the back analysis. This approach is applied to a field measurement case(A revetment founded on the SCP improved clay deposit with the replacement ratio of 45%).

• Journal of the Korean Geotechnical Society
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• v.18 no.4
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• pp.167-177
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• 2002

A test method has been attempted to estimate the soil stiffness by measuring and analyzing dynamic signals of stress waves reflected at the bottom end of the SPT rod contacting a soil deposit. Before conducting a real size testing, a series of parametric studies were conducted in this paper to examine the applicability and the theoretical adequacy of the test method. As a result of these studies, it has been shown that the most significant influence factor affecting the amplitude ratio of the reflected wave to the incident wave at the rod-soil interface was the variation of soil stiffness. Also, the variation of the amplitude ratio was found to be closely related with the variation of impedance ratio of the soil deposit to the SPT rod. As a result, a potential of the test method could be proved to estimate the impedance and the elastic modulus of the soil deposit interfaced with the SPT rod using the test method.