• Title/Summary/Keyword: Excess and Deficit

검색결과 34건 처리시간 0.03초

An Efficiency Analysis of Takaful Insurance Industry: A Comparative Study

  • COSKUN, Ali;HABIBNIYA, Houshang;KECELI, Yavuz
    • The Journal of Asian Finance, Economics and Business
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    • 제8권7호
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    • pp.111-120
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    • 2021
  • Takaful, which is an Islamic insurance instrument, manages risks in business, according to Shariah (Islamic law) principles and offers risk protection and savings assets. The study analyzes the comparative efficiency of takaful insurance companies by implementing empirical research. The study also provides a comprehensive literature review on the efficiency analysis of the takaful industry. The empirical part presents a wide range of efficiency comparisons of 41 takaful insurance companies in 16 countries between 2009 and 2014. The data enveloping analysis technique is utilized using the rDEA package in the R environment to compute the efficiency score. In the study, the technical efficiency, overall technical efficiency, and pure technical efficiency are calculated and compared per year and per country. The findings of the study suggest that the overall average efficiency scores of takaful companies are considerably high. The study results also indicate that the excess in the consumption of inputs decreases while the deficit in achieved outputs has been declining in the covered period. The study suggests the managers of the takaful companies can use the target efficiency scores, which are calculated by using the DEA analysis, as an ideal reference benchmark for planning their inputs and outputs.

미술치료가 ADHD 아동의 문제행동과 또래관계에 미치는 효과 (The effect of Art Therapy apply to ADHD child's problem behavior and child relationship)

  • 신지혜;김귀복
    • 한국생활과학회지
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    • 제18권2호
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    • pp.341-351
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    • 2009
  • This study shows that Art therapy has positive effects on ADHD child's problem behavior and child relationship. Also we want to provide more data to education field. We work with 3 children. They are recommended by their class teacher and they are attending J elementary school which is located in K city in Chunbuk. The experiment period was 7 weeks - 2 times a week, total is 14th- and each time required was 40-60 minutes when they finish their school. Since we want to see each ADHD child's results, we use ADHD teacher evaluating measure and Child relationship measure to compare the results after the fact. The results are Art therapy has positive effects on the ADHD child's problem behavior specially concentration, excess behavior, social skill, hostile behavior and aggregation with same ages, sociality, lack of sociality, exclusive, unstable, and hypersensitiveness.

실내조경에 있어서 양치식물의 수분환경 관리방안에 관한 연구 (A Study on the Management Plan of Water Environment of Ferns in the Interior Landscape)

  • 주진희;방광자;설종호
    • 한국조경학회지
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    • 제27권1호
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    • pp.122-131
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    • 1999
  • Indoor environments are usually less than optimal for the growth of ferns, especially in regards to the water condition. These studies were performed to investigate responses involved in causing growth of ferns and presume management plan against the water deficit under indoor conditions. The effect of air humidity and soil moisture on the ferns was examined in Adiantume raddianum and Selaginella kraussiana. Results of experiments are as follows; 1. Under a low humidity condition, having a 25-50% RH. ornamental value of ferns decreased much more than under a 90% RH. Under a low soil moisture, such as sand treatment, ornamental value of ferns also decreased. 2. Leaf chlorophyll content, water content and stomata situations increased as air humidity and soil moisture went up. 3. Even if air humidity and soil water were not enough for ferns growth, the extending of irrigation cycle was helpful. 4. Under extremely low air humidity conditions, some water management, namely, using water holding soil or extending of irrigation cycle was desirable. Other methods of increasing air humidity, including water instruments such as ornamental pools, waterfalls, or fountains, grouping plants together were also helpful. But spraying water on leaves increased injury to ferns growth because of excess evaporation from the leaves. Though these studies, we learn that ferns are susceptible to water condition such as air humidity, soil water and water management. If other environmental factos are maintained with optimal conditions, water condition plays an important role in ferns growth in indoor environments.

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풍력-연료전지 하이브리드 시스템 출력의 동특성 분석 (Dynamic performances of output power of wind turbine and fuel-cell hybrid system)

  • 문대성;김윤성;서재진;원동준;박영호;문승일
    • 대한전기학회:학술대회논문집
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    • 대한전기학회 2007년도 제38회 하계학술대회
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    • pp.545-546
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    • 2007
  • A hybrid system that uses a parallel combination of wind turbine and fuel cell is modeled. Wind energy source is characterized by its intermittent and variable nature. The output power generated by the fuel cell is stable and can be properly controlled. Therefore, fuel cell system can be added to the wind turbine system for the purpose of ensuring continuous power flow. Fuel cell helps to compensate power and regulate the frequency in power system. Simulation results show the effect of the hybrid system on power regulation. The excess power generated by the wind turbine was directed to an electrolyzer to generate hydrogen and the power deficit was compensated by the fuel cell.

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Gastroprotective effect of zosterin, a pectin from seagrass ZOSTERA MARINA L.

  • Khasina, Eleonora I.;Tiupeleev, Piotr A.;Sgrebneva, Marina N.
    • Advances in Traditional Medicine
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    • 제4권4호
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    • pp.253-260
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    • 2004
  • Zosterin is a pectin from a seagrasses of the family Zosteraceae. Zosterin was given to rats intragastrically once 1h before the emotional stress or injection of indomethacin, or administration of 2, 4-D solution daily for seven days at dose of 100 mg/kg. The data obtained demonstrate that zosterin enhances resistance of the stomach tissue to various ulcerogenic factors (emotional stress, indomethacin, pesticide 2, 4-D). It was shown to possess a gastroprotective effect, which is accompanied by diminution of the number and sizes of destructive regions in the gastric mucosa during the ulcer affection, as well as reduction of ATP and glycogen deficit, decrease of lactate excess, and normalization of the energy balance in the gastric mucosa. According to its antiulcer effect, zosterin may be recommended for application in prevention and treatment of stomach diseases together with the basic therapy.

OSGi 기반 USB 단말기 시스템을 이용한 ADHD 간편검사 (ADHD Simple Examination Using an OSGi Base USB Terminal System)

  • 한상석;이창구
    • 한국산학기술학회논문지
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    • 제9권3호
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    • pp.664-673
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    • 2008
  • 최근 유비쿼터스가 최대의 화두로 떠오르고 있다. 새로운 지식 정보와 경쟁력 강화를 위한 유비쿼터스 컴퓨팅 혁명은 기술 활용 체제라는 새로운 패러다임 전환과 이에 따른 대대적 변화를 예고하고 있다. 또한, u-러닝 기반여건과 학습 장애상황들을 극복하기 위해서는 기술 공학적으로 상당히 접근되어 있는 시스템과 생활 지도 측면의 검사가 반드시 필요하다. 본 논문에서는 OSGi(Open Service Gateway Initiative)에 기반을 둔 USB(Universal Serial Bus) 단말기 시스템을 이용하여 초등학교에서 증가 추세이며 반드시 해결해야 할 주의력 결핍 및 과잉장애(Attention Deficit Hyperactivity Disorder, 이하 ADHD)에 대한 간편검사를 구현하였다. OSGi 기반 USB 단말기 시스템은 다수의 USB 단말기들과 OSGi를 탑재한 서버가 고속의 USB 버스를 이용하여 네트워크를 구축한 다양한 유비쿼터스 시스템으로 정보의 보호, 네트워크의 안전성, 비용 절감 및 유지 보수가 용이함, 주의 집중력 향상 등의 장점이 있고, ADHD는 조기 진단과 치료가 절실하기 때문에 본 논문에서 다루게 되었다. OSGi 기반 USB 단말기 시스템을 활용한 ADHD 간편검사를 통하여 지필 검사의 단점을 보완하고 컴퓨터를 이용한 검사의 문제점을 해결할 수 있었으며, 학생 지도에 도움을 줄 수 있는 시스템 적용을 확인하였다. 본 논문 결과에 비추어 학교에서 공식적으로 실시하는 인성검사나 지능검사와 일반 시험문제 풀이 그리고 수준별 학습용 시스템, 맞춤형 설문 조사 프로그램, 장애인을 위한 학습 시스템, 다수가 같이하는 게임시스템으로도 사용이 가능하다.

스노우팩-융설 계산을 위한 에너지수지 알고리즘 (An Energy Budget Algorithm for a Snowpack-Snowmelt Calculation)

  • 이정훈;고경석
    • 한국지하수토양환경학회지:지하수토양환경
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    • 제16권5호
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    • pp.82-89
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    • 2011
  • Understanding snowmelt movement to the watershed is crucial for both climate change and hydrological studies because the snowmelt is a significant component of groundwater and surface runoff in temperature area. In this work, a new energy balance budget algorithm has been developed for melting snow from a snowpack at the Central Sierra Snow Laboratory (CSSL) in California, US. Using two sets of experiments, artificial rain-on-snow experiments and observations of diel variations, carried out in the winter of 2002 and 2003, we investigate how to calculate the amount of snowmelt from the snowpack using radiation energy and air temperature. To address the effect of air temperature, we calculate the integrated daily solar radiation energy input, and the integrated discharge of snowmelt under the snowpack and the energy required to generate such an amount of meltwater. The difference between the two is the excess (or deficit) energy input and we compare this energy to the average daily temperature. The resulting empirical relationship is used to calculate the instantaneous snowmelt rate in the model used by Lee et al. (2008a; 2010), in addition to the net-short radiation. If for a given 10 minute interval, the energy obtained by the melt calculation is negative, then no melt is generated. The input energy from the sun is considered to be used to increase the temperature of the snowpack. Positive energy is used for melting snow for the 10-minute interval. Using this energy budget algorithm, we optimize the intrinsic permeability of the snowpack for the two sets of experiments using one-dimensional water percolation model, which are $52.5{\times}10^{-10}m^2$ and $75{\times}10^{-10}m^2$ for the artificial rain-on-snow experiments and observations of diel variation, respectively.

얼치기완두(콩과) 집단의 교배계와 내교잡 압력 (Mating Systems and Inbreeding Pressure in Populations of Wild Lentil Tare, Vicia tetrasperm (Leguminosae))

  • 허만규
    • 생명과학회지
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    • 제17권11호
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    • pp.1477-1481
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    • 2007
  • 한국 내 얼치기완두(Vicia tetrasperm) 집단의 교배계를 알로자임 분석으로 실시하였다. 그 결과 얼치기완두는 타가수분 또는 혼합 교배 타가수분을 영위하고 있었다. 집단 수준에서 열 개 집단에 대한 내교배 계수는 0.131에서 0.176까지로 나타나며 평균은 0.154였다. 다대립좌위에서 타가수분 계수(tm)는 열 개 집단에 대해 0.269와 0.423사이에 있으며 평균은 0.333이었다. 다대립좌위와 단일좌위에서 타가수분 계수 차이는 상당히 높게 나타났으며 양친과의 근친교배가 유의하게 일어나고 있었다. 일부 집단에서 낮은 타가수분율은 광범위한 근친교배와 성숙한 개체간 격리에 기인한다. 비록 한 집단에서 이형접합체 과다가 기록되었지만 대부분 집단은 이형접합체의 결핍이 관찰되었다. 따라서 동형접합체에 대한 자연선택이 생활사를 통한 지손집단에 작용하고 있었다.

부산시 환경용량평가에 관한 연구 (Environmental Capacity Assessment of Busan City)

  • 황경엽;황인성;이순규;조승우;오광중
    • 환경영향평가
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    • 제15권1호
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    • pp.79-92
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    • 2006
  • Environmental capacity assessment of Busan city was conducted to provide basis for planning on sustainable development and growth of the city. Using Onish model, assessment was carried out on amenities and service facilities for the citizens of Busan city. Ecological Footprint model was used to judge if the city exceeds the its environmental capacity and to estimate the extent of the excess if it exists. The analysis using Onish model revealed that the citizens of Busan city are generally well supported by the infrastructure and service facilities of the city. Water treatment and supply facilities have enough capabilities to support the city, whereas the relatively low rate of sanitary sewer supply (78%) suggests the need for further improvement in the wastewater area. The capacities of sanitary landfills are found sufficient enough to support the city for the next 10 years. The high value for the line length served per capita in the subway sector hints on certain inconvenience of commuters. All the air quality indicators meet the Korean and WHO standards except for $NO_2$. The ecological footprint model analysis produced EF indicators for Busan city of 3.04 ha/person and 2.54 ha/person for the years of 1993 and 2003, respectively. The decrease of the indicator from 1993 to 2003 is mainly due to the incorporation of Gijang area by Busan city in 1995, suggesting the importance of the ecologically productive area in the evaluation using this model. The analysis on the ecological deficit that is based on ecologically productive land shows that the consumption by Busan city exceeds its ecologically available production by 19,600% as of 2003. The area needed to support the consumption of Busan city in 2003 is 123 times as large as the present area of Busan city, which is substantially lower than the multiplier (742) obtained for Seoul city in 1997 but is higher than those observed for Chongju city (71 in 1999) and Ulsan city (39 in 2001).

25 Vitamin D3 측정에 있어서 화학발광미세입자 측정법과 화학발광면역 측정법 간의 비교 및 고찰 (Comparison between the method of the measurement 25 Vitamin D3)

  • 김대원;이정희;정안나;서소연
    • 핵의학기술
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    • 제19권2호
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    • pp.112-114
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    • 2015
  • Purpose Vitamin D to Anti- Rickets both steroid compounds showing activity, By acting on bone tissue secretary and the key to maintain serum Ca homeostasis. The blood level of vitamin D is the largest in D3 that the concentration of the metabolite is reflected in the holding state of vitamin D in vivo. Sunlight to change the 7-dehydrocholesterol in the skin and through the skin to D3, In the liver in combination with the D2 and D3 D4 changes. The Radioimmunoassay(RIA) method is measuring the D 3, the sensitivity can be measured also difficult trace substance to measure the normal test because it is very sensitive, but recently, a check is possible, for the Total D3 in Chemimicroparticle immunoassay(CMIA) or Chemiluminescent immunoassay(CLIA) measuring using microparticle RIA and CMIA(Architect i2000SR) / use the CLIA(DXI-800) method to compare and evaluate the correlation between the tests in the same test items. Materials and Methods Commissioned from January 2014 to March 2015 patients were enrolled in a total of 273 people. 29 out of 273 people conducted by RIA were compared with CMIA, 244 patients were compared with CLIA. Using reagents and equipment were used RIA(Diasource), CMIA(Architect i2000SR, Abbott Diagnostics) / CLIA( Unicel DXi-800, Beckman coulter). Results Correlation of the RIA and CLIA was a R2 = 0.1844 (y = 0.7303x + 3.9005), and the correlation of RIA CMIA is R2 = 0.2762 (y = 0.8862x + 4.56) respectively. (According to statistics, during the same period RIA is Deficiency 4.31%, Insufficiency 90.53%, Sufficiency 5.16%, was Excess 0%, CLIA / CMIA is Deficiency 17.02%, Insufficiency 75.91%, Sufficiency 7.03%, indicating the distribution of 0.03 % Excess) Conclusion Serum vitamin D and parathyroid hormone that show an inverse relationship, the level above which are not parathyroid hormone and vitamin D reduced the increase. The density is different for each study, at most 20 is reported to be the maximum between 30 ng / ml. In Korea it requires a proposed standard of vitamin D deficiency, reference to the WHO lack the case more than 10ng/ml, 20ng/ml and defined by the lack of, if not more than, the IOM, but looking at 12ng/ml or less to the normal to lack, at least 20ng/ml, the reference do not match the deficit under 20ng/ml, 21-29ng/ml relative lack between, was also defined as a sufficient condition for more than 30ng/ml. Although not statistically is between RIA and CLIA two ways to vitamin D levels change according to season match, when seasonally seen in summer as commonly known (April to September), winter (October to March) relative to the increase measured than it was found. Finally, the study on the correlation between the two methods have been expected to result in a consistent and apply the same view high reference value on the graph is difficult. However, there may be differences between the test equipment and methods, and could be especially the case of RIA method using an organic solvent is difficult to compare different methods and correlated view similar trend in vitamin D deficiency and quarterly aspect ratio.

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