• Title/Summary/Keyword: Expense Ratio

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Analysis of the Effects of Householder's Occupation and Age on the Financial Structures (가구주 직업에 따른 연령별 가계재무구조의 분석)

  • 성영애
    • Journal of the Korean Home Economics Association
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    • v.41 no.1
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    • pp.39-58
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    • 2003
  • This study investigated the effects of the householder's age as a proxy for the family life cycle stage variable and the householder's occupation on the household financial structures. Household financial structures are analyzed by the components of two financial statements(the income and expense statement and the balance sheet statement) and selected financial ratios. The data came from the 1998 Korean Household Panel Study. It was found that the age profiles of household finances such as household income, expenditure, savings and consumption rate, financial assets, real assets and home ownership, debt and net worth usually vary according the householder's occupation. The ratios of debt repayment and the liquidity ratios also vary in part as age changes for each occupational group.

A Study on Determining Factors of Hull Insurance Rate (선박보검과준의 결정요인에 관한 연구)

  • 김경건;민성규
    • Journal of the Korean Institute of Navigation
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    • v.18 no.4
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    • pp.59-81
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    • 1994
  • Korean property and liability insurance companies have underwrited hull insurance without proper undrewriting ability. But after April 1996. in case of Korean insurance market being opened the companies have to make hull insurance rate by themselves. Accordingly, in this study, the writer embodies important factors in making hull insurance rate by an empirical survey. In empirical survey, the writer used a questionnaire, 74 proper data was obtained from 96 officers working in making hull insurance rate in 12 Korean property and liablity insurance companies and 24 the foreign companies at home. Reliability was tested by Cronbach's Alpha and a conceptual validity by Factor Analysis. Hypothesis estabilished in this study was tested by Correlation and Multiple Regression Analysis. Results of testing hypothesis are as follows: Firstly, the traits of insurer and the assured influence significantly(P<0.05) on making hull insurance rate. Secondly, expected loss ratio, ship manager, ship's age, insured amount, level of the cost of repairing and salvage, shipowner, period of insurance, level of overseas rating, profit and expense, trading limits, ship's classification, conditions of insurance, and ship's size influence significantly(P<0.05) on making hull insurance rate.

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Amplitude Modulation Response and Linearity Improvement of Directly Modulated Lasers Using Ultra-Strong Injection-Locked Gain-Lever Distributed Bragg Reflector Lasers

  • Sung, Hyuk-Kee;Wu, Ming C
    • Journal of the Optical Society of Korea
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    • v.12 no.4
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    • pp.303-308
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    • 2008
  • Directly modulated fiber-optic links generally suffer higher link loss and larger signal distortion than externally modulated links. These result from the electron-photon conversion loss and laser modulation dynamics. As a method to overcome the drawbacks, we have experimentally demonstrated the RF performance of directly modulated, ultra-strong injection-locked gain-lever distributed Bragg reflector (DBR) lasers. The free-running DBR lasers exhibit an improved amplitude modulation efficiency of 12.4 dB under gain-lever modulation at the expense of linearity. By combining gain-lever modulation with ultra-strong optical injection locking, we can gain the benefits of both improved modulation efficiency from the gain-lever effect, plus improved linearity from injection locking. Using an injection ratio of R=11 dB, a 23.4-dB improvement in amplitude response and an 18-dB improvement in spurious-free dynamic range have been achieved.

Newly Extended Audit Report and Cost of Debt: Empirical Evidence from Thailand

  • WUTTICHINDANON, Suneerat;ISSARAWORNRAWANICH, Panya
    • The Journal of Asian Finance, Economics and Business
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    • v.9 no.4
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    • pp.261-272
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    • 2022
  • This study examined the association between key audit matters (KAM) and the cost of debt. Financial records and auditors' reports were used to collect data for the fiscal years 2016 and 2017, which were the first two years after KAM was implemented in Thailand. Samples are listed companies in Thailand, where the financial system is primarily debt-based and external auditors play an important role in maintaining financial reporting quality. The final samples for the two-year period consist of 770 observations. The KAM is measured in three aspects: the number of issues, the number of words, and the readability, while the cost of debt is measured by the ratio of interest expense to total debt. The research finds that the KAM readability is significantly and negatively related to the cost of debt. Meanwhile, the number of issues and words have no significant effect on the cost of debt. The finding suggests that auditors' writing skills play a crucial role in the lending decisions of creditors.

Inference of Sequencing Batch Reactor Process using Oxidation Reduction Potential (ORP profile을 이용한 연속 회분식 반응기(Sequencing Batch Reactor)에서 무산소공정 추론)

  • Sim, Mun Yong;Bu, Gyeong Min;Im, Jeong Hun;U, Hye Jin;Kim, Chang Won
    • Journal of Environmental Science International
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    • v.13 no.3
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    • pp.245-250
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    • 2004
  • The SBR(Sequencing Batch Reactor) process is ideally suited to treat high loading wastewater due to its high dilution rate. SBR operates by a cycle of periods consisting of filling, reacting, settling, decanting and idling. The react phases such as aeration or non-aeration, organic oxidation, nitrification, denitrification and other bio-logical reactions can be achieved in a reactor. Although the whole reactions can be achieved in a SBR with time distributing, it is hard to manage the SBR as a normal condition without recognizing a present state. The present state can be observed with nutrient sensors such as ${NH_{4}}^{+}-N$, ${NO_{2}}^{-}-N$, ${NO_{3}}^{-}-N} and ${PO_{4}}^{ 3-}-P.$ However, there is still a disadvantage to use the nutrient sensors because of their high expense and inconvenience to manage. Therefore, it is very useful to use common on-line sensors such as DO, ORP and pH, which are less expensive and more convient. Moreover, the present states and unexpected changes of SBR might be predicted by using of them. This study was conducted to get basic materials for making an inference of SBR process from ORP(oxidation reduction potential) of synthetic wastewater. The profiles of ORP, DO, and pH were under normal nitrification and denitrification were obtained to compare abnormal condition. And also, nitrite and nitrate accumulation were investigated during reaction of SBR. The bending point on ORP profile was not entirely in the low COD/NOx ratio condition. In this case, NOx was not entirely removed, and minimum ORP value was presented over -300mV. Under suitable COD/NOx ratio which complete denitrification was achieved, ORP bending point was observed and minimum ORP value was under -300m V. Under high COD/NOx ratio, ORP bending point was not detected at the first subcycle because of the fast denitrification and minimum ORP value was under -300mV at the time.

An Analysis on a Share of Public Transportation Expenditure in Car-Owning Household - Focused on the Seoul Metropolitan Area - (자동차 소유가구의 대중교통비 지출비율에 대한 영향요인 연구)

  • Jang, Seongman;Yi, Changhyo
    • Journal of the Korean Regional Science Association
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    • v.31 no.3
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    • pp.19-37
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    • 2015
  • The purpose of this study is to confirm a structural relationship on factors affecting ratio of public transportation spending to a car-owning household's total transportation expenditure. For this purpose, informations of household's attributes and activities were gathered using the 13th Korean Labor and Income Panel Study (KLIPS), and information of land-use and transportation conditions on their residential locations was collected and processed. A structural equation model (SEM) on determinants affecting ratio of public transportation expenditure was constructed, based on an execution result of factor analysis using the analyzing database. The latent variables were derived as land-use/transportation characteristic, household's attribute and household's activity. In the analyzing result of the SEM, the entire latent variables were significant. And, the first two latent variables had positive influences, and the last latent variable had a negative impact. To promote public transportation use of the car-owning households, this study suggests that the policies such as enhancement of convenience in public transportation use for the household's activities and improvement of the land-use/transport conditions are required.

A Study on the Residential using of Socially Vulnerable in Rural Areas (농촌지역 취약계층의 주거이용에 관한 연구)

  • Ko, In-Ho;Lee, Dong-Suk;Youn, Chung-Yeul
    • Journal of the Korean Institute of Rural Architecture
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    • v.14 no.3
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    • pp.1-8
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    • 2012
  • Due to difficulty of marriage with women in Korea, unmarried men in countryside tend to have an international marriage. A ratio of international marriage was 3.7% in 2004, but increased by over 10% in 2004 due to the change of population composition in countryside. Without social or national preparation on a multicultural family and an increase of elder who lives alone made problems such as changes of population composition in countryside, a high rate of divorce due to differences on culture and society. These problems are becoming critical problems in countryside, not only for a family. This Study has a purpose as below, Firstly, this study will examine living place of elder who live alone and multicultural families. Secondly, characteristics of using each space will be analyzed and then surveyed efficiency and satisfaction. The result of survey will be provided to space planning for improvement of living standard. The results of this study can be summarized as follows: The characteristics of the surveyed households, the elderly ratio of 70 to 80 units high, and when the elderly become less than 10 years, 51.6%, 77.4% of women were overwhelmingly high. The characteristics of multicultural families in the in the middle or early 2000s when immigration is concentrated and national origin in Vietnam was 66.7 %. Housing characteristics of households with elderly housing type, the ratio improved to 61.3% is Majority. Type strain and 29% in traditional houses, traditional housing type is 9.7%. And house of multicultural families improve housing type is 87.5% Majority. The main space of the housing for the elderly, most are usually satisfied. But generally low level of self-determined housing survey confers real. These results have lived a long time because of space adaptation and can be viewed as attachment. For the elderly passive use of space and simplify the Act and heating cooling at the expense of the use of housing space due to the reduction, but multicultural families is the space required for the growth of their children because there are more modifications required.

Performance Analysis of Multicarrier Code Select CDMA System for PAPR Reduction in Multipath Channels

  • Ryu, Kwan-Woong;Jin, Jiyu;Park, Yong-Wan;Choi, Jeong-Hee
    • Journal of Communications and Networks
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    • v.11 no.1
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    • pp.11-19
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    • 2009
  • Multicarrier direct sequence code division multiple access (MC DS-CDMA) is an attractive technique for achieving high data rate transmission. This is valid regardless of whether or not the potentially large peak-to-average power ratio (PAPR) is an important factor for its application. On the other hand, code select CDMA (CS-CDMA) is an attractive technique with constant amplitude transmission of multicode signal regardless of subchannels. This is achieved by introducing a code select method. In this paper, we propose a new multiple access scheme based on the combination of MC DS-CDMA and CS-CDMA. The proposed scheme, which we call MC CS-CDMA, includes as special cases the subclasses of MC DS-CDMA and CS-CDMA. This paper investigates the performance of these systems over a multipath frequency selective fading channel using a RAKE receiver with maximal ratio combiner. In addition, the PAPR of the proposed system is compared with that of both MC DS-CDMA and CS-CDMA. Simulation results demonstrate that the proposed system provides better PAPR reduction than MC DS-CDMA, at the expense of the complexity of the receiver and the number of available users. The numerical result demonstrates that the proposed system has better performance than MC DS-CDMA due to the increased processing gain and time diversity gain.

Histologic Distribution of Pulmonary Tumors in Lebanon: A 5-Year Single Institution Experience

  • Kourie, Hampig Raphael;Rassy, Marc;Ghorra, Claude;Naderi, Samah;Kattan, Joseph
    • Asian Pacific Journal of Cancer Prevention
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    • v.16 no.14
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    • pp.5899-5902
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    • 2015
  • Background: To compare the current histologic distribution of lung cancer in Lebanon to the worldwide trends, according to the 2004 WHO Classification. Materials and Methods: 1,760 patients with a pulmonary pathology examination at Hotel-Dieu de France University Hospital between July 2009 and July 2014 were included. Results: Some 676 out of the total investigated patients (38.4%) had a lung tumor. In 665 (98.4%) the tumors were malignant, with a mean age at diagnosis of 63.8 years and a male/female (M/F) sex ratio of 1.7:1. Among the malignant tumors, 86.2% were epithelial tumors with a mean age at diagnosis of 64.8 years and an M/F sex ratio of 1.9. Other malignant tumors consisted of metastatic tumors (10.2%), lymphoproliferative tumors (2.1%) and mesenchymal tumors (1.5%). Most common carcinoma subtypes were adenocarcinoma (48.0%), squamous cell carcinoma (23.0%) and small cell carcinoma (13.3%). Carcinoid tumors were the only carcinoma subtype with an M/F sex ratio below 1 (0.7). Salivary gland tumors were the carcinoma with lowest mean age at diagnosis (45.5 years). Conclusions: The histologic distribution of lung tumors in Lebanon is similar to that in developed countries. We believe this resemblance is due to common smoking habits, known to be responsible for the increase of lung adenocarcinoma at the expense of other subtypes.

Study on the adsorption of Heavy Metals by Chitin, Chitosan, Cellulose and its Composite Beads (Chintin, Chitosan, Cellulose 및 혼합 Beads의 중금속 이온 흡착특성에 관한 연구)

  • 전수진;유병태
    • Journal of environmental and Sanitary engineering
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    • v.10 no.2
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    • pp.1-12
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    • 1995
  • Under accelerated industrial developments environment pollution comes out to be very stirious. Especially the ions of heavy metal from wastewater, even if they are minimal, accumulated in ecology circle and do finally injury to human health. The general process for removal of heavy metals include coagulation and following sedimentation, ion -exchange and active carbon adsorption and sedimentation that applicate in popular, needs the expense of coagulant the additional treatment of sludge on the general process of coagulation and sedimentation. It is also a serious problem that the second pollution caused by coagulant. However chelating adsorption that uses natural chelating high- molecular compound has not pollution problem Among chelating high- molecules, the diminishing chitin that contained in crustaceans as crawfish and crab in our country with affluent water resources are easy to get. So it is advantageous to use this ubiquitous material for removing heavy metals because we could reuse natural resource. In this research, the author tested the effectiveness of the adsorption and removal of heavy metal ions by chitin and its derivatives. Chitin and cellulose became beads and used as flocculant, in this test. The results are as follows . First, bead showed higher removal ratio than powder in the comparative test on adsorbents such as chitin, chitosan and cellulose. Secondly, in the variety test by the kinds of adsorbent and time. chitosan bead and cellulose bead that showed the highest removal ratio. One hour need to remove the ions of heavy metal. Thirdly, the results of the adsorption degree test by pH revealed high removal ratio adsorption of chitin, cellulose and chitosan bead in alkalin condition but chitosan bead in acidic condition.

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