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Analysis of Bank Efficiency Between Conventional Banks and Regional Development Banks in Indonesia

  • ABIDIN, Zaenal;PRABANTARIKSO, R.Mahelan;WARDHANI, Rhisya Ayu;ENDRI, Endri
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.1
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    • pp.741-750
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    • 2021
  • The research aims to analyze the level of efficiency by grouping banks during the period 2017 - 2018 into category 1 and category 2 banks and then dividing them as Regional Development Banks (BPD) and Non-BPD Conventional Commercial Banks (BUK) within each category. The research objects are banks within the categories BPD and BUK comprised 18 BPDs and 35 BUKs. The research methodology uses 3 stages, first, using Data Envelopment Analysis (DEA) we measure the level of bank efficiency; second, using the Tobit regression model we evaluate the effect of financial performance on DEA efficiency, and third, using the Mann-Whitney test we determine whether there is a difference in the efficiency of category 1 and 2 banks. The results showed that there was a decrease in the efficiency of category 1 and 2 banks but on average, the efficiency of category 1 banks is higher than category 2 banks. The estimation results of the Tobit regression model show that only the ROA variable affects the efficiency level of category 1 banks, while category 2 banks are influenced by NPL and ROA variables. In the Mann-Whitney test, it was proven that there were differences in efficiency between BUK and BPD in category 1 and 2 banks.

The Development of An Instrument for Evaluating Inquiry Activity in Science Curricula (과학 탐구 평가표의 개발)

  • Hur, Myung
    • Journal of The Korean Association For Science Education
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    • v.4 no.2
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    • pp.57-63
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    • 1984
  • An inquiry approach in teaching science has been advocated by many science educators for the past few decades, and most elementary and secondary science curricula have incorporated it in varying degrees. It has been proven in recent studies, however, that there exists considerable discrepancy between the expectation of outcomes of the inquiry approach and the actuality. This in part implies that there is a somewhat urgent need for the systematic evaluation of the approach in teaching science. The purpose of this study is to develop a comprehensive instrument for evaluating inquiry teaching approaches embedded in science curricular materials. To develop a more valid and reliable instrument a set of empirical data was used in the developmental procedure, and most of the previous studies regarding inquiry teaching method and inquiry evaluation were consulted. The inquiry evaluation method developed in this study, called the Scientific Inquiry Evaluation Inventory (SIEI), is composed of three parts: (1) analyzing and coding each science process task of inquiry activity; (2) evaluating each inquiry activity as a whole; and (3) evaluating each science laboratory curriculum as a whole. The first part of the instrument consists of twenty science process categories and thirty subcategories grouped into four sections: (1) gathering and organizing data; (2) interpreting and analyzing data; (3) synthesizing results and evaluation; and (4) hypothesizing and designing an experiment. The science process categories are arranged according to the level of difficulty, psychological level of thinking, degree of creativity demand, and the model of the process of scientific inquiry, which is also developed in the study. The second part of the instrument contains four evaluation scales of inquiry activity: (1) competition/cooperation scale; (2) discussion scale; (3) openness scale; and (4) inquiry scope scale. And the last part consists of three methods for evaluating a science laboratory curriculum as a whole: (1) inquiry pyramid; (2) inquiry index; and (3) difficulty index. The instrument is designed to be used by teachers, science curriculum developers and science education evaluators for the purpose of diagnosing the nature and appropriateness of scientific inquiry introduced in secondary science curricular materials, especailly in laboratory work and field work.

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Designing the Sickness Benefit Scheme in South Korea: Using the Implication from Schemes of Advanced Nations (한국 상병수당제도 및 전달체계 설계연구: 주요 선진국과의 제도 비교를 중심으로)

  • Jung, Hyun Woo;Sohn, Minsung;Chung, Haejoo
    • Health Policy and Management
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    • v.29 no.2
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    • pp.112-129
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    • 2019
  • Currently, the South Korean Government does not provide sickness benefits from the National Health Insurance, which is different from most other Organization for Economic Cooperation and Development countries. The sickness benefit guarantees a part of lost income due to injuries or diseases. The purpose of this study is to propose a sickness benefit scheme for South Korea. To this end, we compare health care systems, sickness benefit schemes, and delivery systems of those in Germany, Japan, and Sweden, focusing on the seven categories: management authority, object, level of payment, duration of payment, qualification requirements, connection with paid sick leave of workplace, and financial resources, and as to delivery system, the six categories: the number of procedures, transferring document between institutions, whether or not utilizing electronic reporting system, applicant, and administrative convenience. Based on the implications derived from the case study, we propose the sickness benefit scheme and its delivery pathway and other details for South Korea. This study is first to propose the sickness benefit for health insurance in Korea with its level of details. More studies should follow with case studies of other countries, as well as productive debates to build a feasible and sustainable sickness benefit system in South Korea.

Instance segmentation with pyramid integrated context for aerial objects

  • Juan Wang;Liquan Guo;Minghu Wu;Guanhai Chen;Zishan Liu;Yonggang Ye;Zetao Zhang
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.17 no.3
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    • pp.701-720
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    • 2023
  • Aerial objects are more challenging to segment than normal objects, which are usually smaller and have less textural detail. In the process of segmentation, target objects are easily omitted and misdetected, which is problematic. To alleviate these issues, we propose local aggregation feature pyramid networks (LAFPNs) and pyramid integrated context modules (PICMs) for aerial object segmentation. First, using an LAFPN, while strengthening the deep features, the extent to which low-level features interfere with high-level features is reduced, and numerous dense and small aerial targets are prevented from being mistakenly detected as a whole. Second, the PICM uses global information to guide local features, which enhances the network's comprehensive understanding of an entire image and reduces the missed detection of small aerial objects due to insufficient texture information. We evaluate our network with the MS COCO dataset using three categories: airplanes, birds, and kites. Compared with Mask R-CNN, our network achieves performance improvements of 1.7%, 4.9%, and 7.7% in terms of the AP metrics for the three categories. Without pretraining or any postprocessing, the segmentation performance of our network for aerial objects is superior to that of several recent methods based on classic algorithms.

Tobacco control in Korea and recommendations for further improvement (담배규제전략과 발전방향)

  • Oh, Yu Mi
    • Korean Journal of Health Education and Promotion
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    • v.33 no.4
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    • pp.11-19
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    • 2016
  • Objectives: FCTC is the first international convention in public health field. Global progress report is about the implementations of the FCTC that are conducted with comparison and analysis for recent trend of tobacco control policies and convention performances on the global level. Methods: By conducting literature review related to tobacco control, expecially through reviewing Implementation of the WHO FCTC GPR(2014), this report compared and analyzed Korea's status of tobacco control based on tobacco control policy in every member state. Results: As a result of the comparison of FCTC to Korea's tobacco control policy, for the first, the most outstanding article that has been peformed continuously is Article 8, 12, 14. Secondly, the policy that has been partially renovated and reinforced is Article 6, 9, 10, 11, and for the last, the policy that has no progress and needs improvement is Article 13. Conclusions: For improvement in Korea's tobacco control policy in the future, first, betterment in policies on categories about advertisements, promotions, sponsorships on tobacco products that passed FCTC commitment period is required along with the modifications of FCTC related laws and reinforcement of the policies, and development of national core competence for an effective implementation of the convention.

A study of the effects of problem posing strategies on mathematics achievement. (문제제기 전략을 강조한 수업과 학업 성취도와의 관계분석: 방정식을 중심으로)

  • 전미라;허혜자
    • Journal of Educational Research in Mathematics
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    • v.8 no.2
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    • pp.709-722
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    • 1998
  • This thesis is to see if the classes using problem posing is effective to improve the students' grades in math. So I set up research subjects as follow. 1. Do the classes focused on problem posing have any influence on the students' achievement\ulcorner 2. Do the classes focused on problem posing have any different influence on the students' achievement according to their levels\ulcorner 3. Do the classes focused on problem posing have any different influence on the students' achievement according to the categories in math\ulcorner I close four classes in the first grade of K middle school in Kangnung, Kangwon province for this thesis. First I divided them into two groups. Each group consisted of two classes. One is the experimental group. The other is the comparative group. The experimental group was taken classes using problem posing. The comparative group was taken classes by the traditional teaching method. And then I analyzed the difference of the achievement between two groups. As a result of this research, I came to the conclusion as follow. First, the classes focused on problem posing is more effective than traditional teaching method for the improvement of the students` achievement Second, both the classes using problem posing and the traditional teaching method doesn`t affect to the advanced students. Third, the classes using problem posing is more effective to the intermediate students and lower level students than the traditional teaching method. Especially it is very effective in teaching the students the linear equation.

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How to Improve Hospital Satisfaction through Improvement of Hospital Bulletins - Through case study and patient satisfaction survey (병원 게시물 개선을 통한 병원 만족도 향상 방안 연구 - 실태 분석 및 환자 만족도 조사를 통하여)

  • Lee, Seung Ji;Kwon, Young Mi;Jeon, Su Yeon
    • Journal of The Korea Institute of Healthcare Architecture
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    • v.27 no.2
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    • pp.49-56
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    • 2021
  • Purpose: This study aims to provide a way to improve hospital satisfaction through improvement of hospital bulletins based on the analysis of the actual condition of hospital bulletins and satisfaction analysis for patients. Methods: First, a case study is conducted. After setting the analysis items based on previous studies and case study, a satisfaction survey is conducted on patients and statistical analysis is performed. Results: As a result of factor analysis, factors were classified into four categories: legibility, visibility, effectiveness, and frequency. As a result of the importance analysis through multiple regression analysis of four factors affecting hospital satisfaction, the importance of the "legibility" factor was the highest, followed by the "frequency", "effectiveness", and "visibility". As a result of the satisfaction analysis of the bulletins in the study site, the "visibility" factor was the highest, followed by "legibility", "effectiveness", and "frequency". Implications: In order to improve hospital satisfaction, the improvement of factors of high importance should be considered first. In other words, in hospital bulletins, legibility and frequency should be considered first. In addition, hospital satisfaction can be maximized by improving the level of factors and variables that are low in the satisfaction survey by factor.

Performance of Drip Irrigation System in Banana Cultuivation - Data Envelopment Analysis Approach

  • Kumar, K. Nirmal Ravi;Kumar, M. Suresh
    • Agribusiness and Information Management
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    • v.8 no.1
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    • pp.17-26
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    • 2016
  • India is largest producer of banana in the world producing 29.72 million tonnes from an area of 0.803 million ha with a productivity of 35.7 MT ha-1 and accounted for 15.48 and 27.01 per cent of the world's area and production respectively (www.nhb.gov.in). In India, Tamil Nadu leads other states both in terms of area and production followed by Maharashtra, Gujarat and Andhra Pradesh. In Rayalaseema region of Andhra Pradesh, Kurnool district had special reputation in the cultivation of banana in an area of 5765 hectares with an annual production of 2.01 lakh tonnes in the year 2012-13 and hence, it was purposively chosen for the study. On $23^{rd}$ November 2003, the Government of Andhra Pradesh has commenced a comprehensive project called 'Andhra Pradesh Micro Irrigation Project (APMIP)', first of its kind in the world so as to promote water use efficiency. APMIP is offering 100 per cent of subsidy in case of SC, ST and 90 per cent in case of other categories of farmers up to 5.0 acres of land. In case of acreage between 5-10 acres, 70 per cent subsidy and acreage above 10, 50 per cent of subsidy is given to the farmer beneficiaries. The sampling frame consists of Kurnool district, two mandals, four villages and 180 sample farmers comprising of 60 farmers each from Marginal (<1ha), Small (1-2ha) and Other (>2ha) categories. A well structured pre-tested schedule was employed to collect the requisite information pertaining to the performance of drip irrigation among the sample farmers and Data Envelopment Analysis (DEA) model was employed to analyze the performance of drip irrigation in banana farms. The performance of drip irrigation was assessed based on the parameters like: Land Development Works (LDW), Fertigation costs (FC), Volume of water supplied (VWS), Annual maintenance costs of drip irrigation (AMC), Economic Status of the farmer (ES), Crop Productivity (CP) etc. The first four parameters are considered as inputs and last two as outputs for DEA modelling purposes. The findings revealed that, the number of farms operating at CRS are more in number in other farms (46.66%) followed by marginal (45%) and small farms (28.33%). Similarly, regarding the number of farmers operating at VRS, the other farms are again more in number with 61.66 per cent followed by marginal (53.33%) and small farms (35%). With reference to scale efficiency, marginal farms dominate the scenario with 57 per cent followed by others (55%) and small farms (50%). At pooled level, 26.11 per cent of the farms are being operated at CRS with an average technical efficiency score of 0.6138 i.e., 47 out of 180 farms. Nearly 40 per cent of the farmers at pooled level are being operated at VRS with an average technical efficiency score of 0.7241. As regards to scale efficiency, nearly 52 per cent of the farmers (94 out of 180 farmers) at pooled level, either performed at the optimum scale or were close to the optimum scale (farms having scale efficiency values equal to or more than 0.90). Majority of the farms (39.44%) are operating at IRS and only 29 per cent of the farmers are operating at DRS. This signifies that, more resources should be provided to these farms operating at IRS and the same should be decreased towards the farms operating at DRS. Nearly 32 per cent of the farms are operating at CRS indicating efficient utilization of resources. Log linear regression model was used to analyze the major determinants of input use efficiency in banana farms. The input variables considered under DEA model were again considered as influential factors for the CRS obtained for the three categories of farmers. Volume of water supplied ($X_1$) and fertigation cost ($X_2$) are the major determinants of banana farms across all the farmer categories and even at pooled level. In view of their positive influence on the CRS, it is essential to strengthen modern irrigation infrastructure like drip irrigation and offer more fertilizer subsidies to the farmer to enhance the crop production on cost-effective basis in Kurnool district of Andhra Pradesh, India. This study further suggests that, the present era of Information Technology will help the irrigation management in the context of generating new techniques, extension, adoption and information. It will also guide the farmers in irrigation scheduling and quantifying the irrigation water requirements in accordance with the water availability in a particular season. So, it is high time for the Government of India to pay adequate attention towards the applications of 'Information and Communication Technology (ICT) and its applications in irrigation water management' for facilitating the deployment of Decision Supports Systems (DSSs) at various levels of planning and management of water resources in the country.

Product Evaluation Criteria Extraction through Online Review Analysis: Using LDA and k-Nearest Neighbor Approach (온라인 리뷰 분석을 통한 상품 평가 기준 추출: LDA 및 k-최근접 이웃 접근법을 활용하여)

  • Lee, Ji Hyeon;Jung, Sang Hyung;Kim, Jun Ho;Min, Eun Joo;Yeo, Un Yeong;Kim, Jong Woo
    • Journal of Intelligence and Information Systems
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    • v.26 no.1
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    • pp.97-117
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    • 2020
  • Product evaluation criteria is an indicator describing attributes or values of products, which enable users or manufacturers measure and understand the products. When companies analyze their products or compare them with competitors, appropriate criteria must be selected for objective evaluation. The criteria should show the features of products that consumers considered when they purchased, used and evaluated the products. However, current evaluation criteria do not reflect different consumers' opinion from product to product. Previous studies tried to used online reviews from e-commerce sites that reflect consumer opinions to extract the features and topics of products and use them as evaluation criteria. However, there is still a limit that they produce irrelevant criteria to products due to extracted or improper words are not refined. To overcome this limitation, this research suggests LDA-k-NN model which extracts possible criteria words from online reviews by using LDA and refines them with k-nearest neighbor. Proposed approach starts with preparation phase, which is constructed with 6 steps. At first, it collects review data from e-commerce websites. Most e-commerce websites classify their selling items by high-level, middle-level, and low-level categories. Review data for preparation phase are gathered from each middle-level category and collapsed later, which is to present single high-level category. Next, nouns, adjectives, adverbs, and verbs are extracted from reviews by getting part of speech information using morpheme analysis module. After preprocessing, words per each topic from review are shown with LDA and only nouns in topic words are chosen as potential words for criteria. Then, words are tagged based on possibility of criteria for each middle-level category. Next, every tagged word is vectorized by pre-trained word embedding model. Finally, k-nearest neighbor case-based approach is used to classify each word with tags. After setting up preparation phase, criteria extraction phase is conducted with low-level categories. This phase starts with crawling reviews in the corresponding low-level category. Same preprocessing as preparation phase is conducted using morpheme analysis module and LDA. Possible criteria words are extracted by getting nouns from the data and vectorized by pre-trained word embedding model. Finally, evaluation criteria are extracted by refining possible criteria words using k-nearest neighbor approach and reference proportion of each word in the words set. To evaluate the performance of the proposed model, an experiment was conducted with review on '11st', one of the biggest e-commerce companies in Korea. Review data were from 'Electronics/Digital' section, one of high-level categories in 11st. For performance evaluation of suggested model, three other models were used for comparing with the suggested model; actual criteria of 11st, a model that extracts nouns by morpheme analysis module and refines them according to word frequency, and a model that extracts nouns from LDA topics and refines them by word frequency. The performance evaluation was set to predict evaluation criteria of 10 low-level categories with the suggested model and 3 models above. Criteria words extracted from each model were combined into a single words set and it was used for survey questionnaires. In the survey, respondents chose every item they consider as appropriate criteria for each category. Each model got its score when chosen words were extracted from that model. The suggested model had higher scores than other models in 8 out of 10 low-level categories. By conducting paired t-tests on scores of each model, we confirmed that the suggested model shows better performance in 26 tests out of 30. In addition, the suggested model was the best model in terms of accuracy. This research proposes evaluation criteria extracting method that combines topic extraction using LDA and refinement with k-nearest neighbor approach. This method overcomes the limits of previous dictionary-based models and frequency-based refinement models. This study can contribute to improve review analysis for deriving business insights in e-commerce market.

A Study on the Tendency of Exterior Color Design for the Elementary, Middle and High Schools in Gyeonggi-do - Focused on the Prizewinner of the Competitions - (경기도 지역 초, 중, 고등학교의 외관 색채계획 경향에 관한 연구 - 현상설계 당선안을 중심으로 -)

  • Boo, Youn Sun;Yun, He Cheol
    • The Journal of Sustainable Design and Educational Environment Research
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    • v.5 no.2
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    • pp.53-66
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    • 2006
  • Recent color plans in school buildings are made by experts through public offerings for prizes for designs etc in relatively many cases. But it is necessary to review if such color plans are actually well conform to students' emotions and what trend the color plans made as such have. Therefore, this study examined and analyzed the exterior colors of the school buildings planned by public offerings for prizes for designs and reviewed the result comparing to the color preferences of students that had already been studied to figure out the differences between existing theories and the realities. And it was examined what differences were existing in the trends of color plans and color images examined between each of school levels. The result of the study compared to theories is as follows. First, when the color distributions were reviewed for each school level, it could be confirmed that the overall distributions moved from Y category to B category and whereas warm colors were more widely distributed and the number of colors were greater compared to cold colors in case of elementary schools, the distributions of warm colors gradually decreased as school level moves to high schools. Second, the color use distributions of elementary school students were revealed to be more diversified than middle and high school students and also the number of colors used was 9.5 in average in elementary school and middle schools and high schools were similar to each other with average 5.86 colors in middle schools and 6.33 colors in high schools showing a little differences in color use distributions among school levels of elementary schools, middle schools and high schools. Third, in case of elementary schools, except main colors, both of subsidiary colors and emphasizing colors had the distributions of warm colors of R, YR, Y categories and cold colors of B, PB categories and this is also consistent with the results of existing research results indicating that low grade students prefor for warm colors and high grade students prefer for cold colors. Fourth, in case of middle schools and high schools, although the distributions of warm colors decreased, the distributions of warm colors and cold colors were revealed to be similar. This is considered to be consistent with the existing research results indicating that girl students prefer for warm colors even if their ages go up. Fifth, as for the images of main colors, subsidiary colors and emphasizing colors resulted from the comparisons by solid color Image Scales and adjective Image Scales, first, in case of main colors, natural images or clear images appeared the most in all of elementary schools, middle schools and high schools indicating that basically calmness is emphasized with soft images rather than hard images and static images rather than dynamic images. Also, in case of subsidiary colors or emphasizing colors, cheerful images or splendid images are also seen to decrease as school level goes from elementary schools to high schools in adjective Image Scales and this is considered to reflect the color sentiment differences between children and juveniles based on ages.

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