• Journal of Korea Society of Industrial Information Systems
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• v.29 no.2
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• pp.119-131
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• 2024

In recent years, there has been a significant growth in loan comparson services offered by fintech platforms in South Korea. However, it has been reported that loan comparison platform users tend to have a higher risk of default compared to non-users. This paper investigates the difference in platform-specific credit risk factors using survival analysis models - Kaplan-Meier curves and Accelerated Failure Time (AFT) model. Our findings show that, relative to non-users, users of loan comparison platforms are characterized by elevated default rates, a greater propensity for home ownership, lower credit scores, and shorter loan durations. Furthermore, our AFT models elucidate the variance in default risk among the various loan comparison service platforms, highlighting the imperative for customized strategies that address the unique risk profiles of customers on each platform.

• Journal of Korean Home Economics Education Association
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• v.23 no.3
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• pp.91-119
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• 2011

The purpose of this study was to suggest the framework reflecting the interests of students in practical problems and social issues regarding perennial problems which correspond to the characteristics and goals of the 2007 revised curriculum. This study was carried into a literature review and 406 questionnaires, filled out by the 9th grade middle school students in Seoul and Gyeonggi province, were used for analysis. The main results of this study are summarized as follows: First, six perennial problems are ascertained, Next, the middle school students were most interested in 27 items of practical problems such as mapping out their career path, self-improvement and interpersonal relations. And finally, the middle school students' important social interests are adolescence issues, job preference bias, career choice, suicide and addiction to computer, appearance and money management behavior, house ownership and conspicious consumption, and lack of time to spend with family. This study suggested the framework which corresponds to the characteristics and goals of the 2007 revised curriculum.

• Journal of Korean Society of Transportation
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• v.24 no.6 s.92
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• pp.65-74
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• 2006

The costs of owning car are accepted as a subscription fee for participating in car-oriented society and only direct out-of-pocket costs of driving are mostly considered, so that the efficient location with better accessibility to service facilities is often under-appreciated. The purpose of this study is to explore the impact of accessibility to public transport and other service facilities on travel demand and transportation cost of household. The residential areas in Hamburg are categorized into 8 types according to level of public transport and other service facilities. The costs of owning and operating car in each residential area are calculated on the base of the household automobile ownership and usage analysed through the actual survey The result of this analysis shows that the transportation cost of household is decreased In proportion to the level of Public transport and other service facilities. This analysis finds the structure of residential area, which economize energy consume and makes household actual transportation cost saying Possible. The result of the analysis can be used as a tool for influencing home locaion choice towards Public transportaion corridors.

• Journal of Korean Home Economics Education Association
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• v.24 no.2
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• pp.117-134
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• 2012

The purpose of this study was to identify the stage of concern, the level of use, and the innovation configuration of Home Economics teachers regarding creativity and personality education in Home Economics(HE) classes. The survey questionnaires were sent through mails and e-mails to middle-school HE teachers in the whole country selected by systematic sampling and convenience sampling. Questionnaires of the stages of concern and the levels of use developed by Hall(1987) were used in this study. 187 data were used for the final analysis by using SPSS/window(12.0) program. The results of the study were as following: First, for the stage of concerns of HE teachers on creativity and personality education, the information stage of concerns(85.51) was the one with the highest response rate and the next high in the following order: the management stage of concerns(81.88), the awareness stage of concerns(82.15), the refocusing stage of concerns(68.80), the collaboration stage of concerns(61.97), and the consequence stage of concerns(59.76). Second, the levels of use of HE teachers on creativity and personality education was highest with the mechanical levels(level 3; 21.4%) and the next high in the following order: the orientation levels of use(level 1; 20.9%), the refinement levels(level 5; 17.1%), the non-use levels(level 0; 15.0%), the preparation levels(level 2; 10.2%), the integration levels(level 6; 5.9%), the renewal levels(level 7; 4.8%), the routine levels(level 4; 4.8%). Third, for the innovation configuration of HE teachers on creativity and personality education, more than half of the HE teachers(56.1%) mainly focused on personality education in their HE classes; 31.0% of the HE teachers performed both creativity and personality education; a small number of teachers(6.4%) focused on creativity education; the same number of teachers(6.4%) responded that they do not focus on neither of the two. Examining the level and type of performance HE teachers applied, the average score on the performance of creativity and personality education was 3.76 out of 5.00 and the mean of creativity component was 3.59 and of personality component was 3.94, higher than standard. For the creativity education, openness/sensitivity(3.97) education was performed most and the next most in the following order: problem-solving skill(3.79), curiosity/interest(3.73), critical thinking(3.63), problem-finding skill(3.61), originality(3.57), analogy(3.47), fluency/adaptability(3.46), precision(3.46), imagination(3.37), and focus/sympathy(3.37). For the personality education, the following components were performed in order from most to least: power of execution(4.07), cooperation/consideration/just(4.06), self-management skill(4.04), civic consciousness(4.04), career development ability(4.03), environment adaptability(3.95), responsibility/ownership(3.94), decision making(3.89), trust/honesty/promise(3.88), autonomy(3.86), and global competency(3.55). Regarding what makes performing creativity and personality education difficult, most HE teachers(64.71%) chose the lack of instructional materials and 40.11% of participants chose the lack of seminar and workshop opportunity. 38.5% chose the difficulty of developing an evaluation criteria or an evaluation tool while 25.67% responded that they do not know any means of performing creativity and personality education. Regarding the better way to support for creativity and personality education, the HE teachers chose in order from most to least: 'expansion of hands-on activities for students related to education on creativity and personality'(4.34), 'development of HE classroom culture putting emphasis on creativity and personality'(4.29), 'a proper curriculum on creativity and personality education that goes along with students' developmental stages'(4.27), 'securing enough human resource and number of professors who will conduct creativity and personality education'(4.21), 'establishment of the concept and value of the education on creativity and personality'(4.09), and 'educational promotion on creativity and personality education supported by local communities and companies'(3.94).

• Management & Information Systems Review
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• v.37 no.2
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• pp.259-281
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• 2018

Advocates of mandatory IFRS adoption claim that IFRS increase financial statement comparability, which in turn leads to greater cross-border investment(Securities and Exchange Commision, 2008). The notion is that improved financial statement comparability reduces the information acquisition costs of global investors and thereby increase their investment in foreign firms. The purpose of this study is to examine this assertion by examining whether the K-IFRS adoption rusults in improved comparability that leads to increased investment by foreign investment. We also examined whether the relation between comparability and foreign investment has strengthen after adoption of K-IFRS. To achieve the purpose of our study, we measure Korean firms comparability using stock price model, stock return model and cash flow from operation model by Barth et al.(2012). We use both foreign ownership in the end of year and average during the year for dependent variables were to reduce bias. We test our hypothesis using 1,817 firm-year observation of KOSPI firms during the period of our analysis, 2011-2015. Consistent with our hypothesis, we find K-IFRS adoption results in a greater increase in foreign investment in firms with high comparability firms. This result indicate that the adoption of K-IFRS intends to achieve the international accounting convergence as stated in the roadmap and to reduce the Korea Discount.

• Korea journal of population studies
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• v.26 no.1
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• pp.171-194
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• 2003

The present study investigates the effects of lopsided regional policy and social prejudice on homeownership disparities by household's place of birth of household head in Seoul. The present study utilizes individual household-level census data (2% sample) to evaluate households' residential well-being denoted by homeownership status during the period of 1980-2000. Decomposition techniques based on tenure choice models were used to provide evidences of the home-ownership disparities caused by regional policy and prejudice. We found that households from Gangwon and Honam provinces represent a disproportionately small percentage of homeownership compared with those originated from other provinces. In the statistical analysis, the present study found that having controlled for the factors traditionally thought to influence households' choice of housing tenure, as well as other housing market characteristics in Seoul, place of birth has played a primary role in determining whether or not households become a homeowner. Most strikingly, while most of the disparity in homeownership ratios between households from Youngnam and households from Gangwon in the housing market is due to the endowment differences in human capitals they bring to the market, those between households from Youngnam and households from Honam is largely due to residual differences explained mainly by social discrimination and prejudice against people from Honam. The present study summarized that place of birth has played a primary role in determining whether or not households become a homeowner in Korea. The present study concluded with some policy issues relevant to this study and suggested some future studies.

• Korean Journal of Environmental Agriculture
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• v.31 no.2
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• pp.129-136
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• 2012

BACKGROUND: The changes in the climatic conditions have brought potentially significant new challenges, most critical are likely to be its impact on local livelihoods, agriculture, biodiversity and environments. Water induced disasters such as landslides, floods, erratic rain etc., are very common in developing countries which lead to changes in biological, geophysical and socioeconomic elements. The extent of damages caused by natural disasters is more sever in least developing countries. However, disasters affect women and men differently. In most of the cases women have to carry more burden as compared to their male counterpart during the period of disasters. METHODS AND RESULTS: This study examines the impact of disasters on the local livelihood especially agriculture and income generating activities of women in three districts of Nepal. The study uses the primary data collected following an exploratory approach, based on an intensive field study. The general findings of the study revealed that women had to experience hard time as compared to their male counterpart both during and after the disaster happen. Women are responsible for caring their children, collecting firewood, fetching water, collecting grass for livestock and performing household chores. Whereas, men are mainly involved in out-migration and remained out-side home most of the time. After the disaster occurred, most of the women had to struggle to support their lives as well as had to work longer hours than men during reconstruction period. Nepal follows patriarchal system and men can afford more leisure time as compared to women. During the disaster period, some of the households lost their agricultural lands, livestock and other properties. These losses created some additional workload to women respondent, however at the same time; they learn to build confidence, self-respect, self-esteem, and self-dependency.Although Nepal is predominantly agriculture, majority of the farmers are at subsistence level. In addition, men and women have different roles which differ with the variation in agro-production systems. Moreover women are extensively involved in agricultural activities though their importances were not recognized. Denial of land ownership and denial of access to resources as well as migration of male counterparts are some of the major reasons for affecting the agricultural environments for women in Nepal. CONCLUSION: The shelter reconstruction program has definitely brought positive change in women's access to decision making. The gradual increase in number of women respondent in access to decision making in different areas is a positive change and this has also provided them with a unique opportunity to change their gendered status in society.Furthermore, the exodus out-flow of male counterparts accelerated the additional burden and workload on women.

• Journal of dental hygiene science
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• v.15 no.6
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• pp.728-735
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• 2015

This research was based on using status and factors associated in public health centers survey in 703 local residents from September 1 to 25, 2015. Data were analyzed with chi-square test, t-test, one way ANOVA, and Stepwise Multiple Regression analysis using SPSS WIN 21.0 program and significance level was set at p<0.05. It was investigated that Incheon city health centers' utilization of residents were 38.8%, the annual average of utilization was 3.92 times. Health centers were mainly used by themselves (25.3%) or recommendation of the people around them (17.8%). The reason why they don't use was no need (27.0%) and don't know well (9.4%) or long distance (7.8%). The average of awareness about the total health programs was 41.2%, the average of utilization rate was 8.1%, both higher rate of awareness and utilization about health programs were vaccination (86.6%, 36.9%), and health examinations (67.2%, 18.7%). The average of satisfaction about health programs was 3.88 out of 5, sealant (4.26 points) and rationing fluoride solution (4.07 points) indicated a high level of satisfaction. The most common factor which represents the impact on public health use and use frequency were the time it takes to move, also gender, age and form of home ownership were major factor in common. Based on this, we have to seek concrete measures of national health programs which conducted to improve the health of local residents can be implemented successfully.

• Journal of Families and Better Life
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• v.33 no.5
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• pp.1-24
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• 2015

The purpose of this study was to investigate the effects of Engel coefficient, Angel coefficient and Schwabe index influencing Household head's life satisfaction. For this study, the data from the 8th analysis of the 2013 Korea Welfare Panel Survey conducted by Korea Institute for Health and Social Affairs were used. For the sample, 903 male Household heads with children under the age of 18, were selected. For statistical analysis, SPSS program (Ver. 21.0) was used. And for statistical methods, frequency and percentile, mean and standard deviation, Pearson's correlation, one way analysis of variance, Duncan's multiple range tests, multiple regression analysis were used. The findings are as follows. First, as a results of analyzing the food costs, education costs and housing costs depending on Income Quintile, the food costs and education costs in the 5th Income Quintile compared with other Income Quintile, were highest. Also, the highest housing cost was in the 2nd Income Quintile, while the least housing cost was in the 1st Income Quintile. Second, by analyzing the differences of Engel coefficient, Angel coefficient and Schwabe index according to Income Quintile, the results show that Engel coefficient and Schwabe index decreases as Income Quintile increases, and Angel coefficient increases as Income Quintile becomes higher. Third, the level of HH's life satisfaction according to Income Quintile, 1st Income Quintile, 2nd Income Quintile, 4th Income Quintile, 3rd Income Quintile, 5th Income Quintile in order, increased. Fourth, as the result of analyzing the influence of Variables related to household and demographics about Engel coefficient, Angel coefficient and Schwabe index, it was shown that the variables effecting Engel coefficient, Angel coefficient, and Schwabe index are age, occupations, Number of workers, House ownership, Income Quintile. Fifth, As a result of analyzing the Variables effecting life satisfaction, especially while Schwabe index is not that significant, Engel coefficient and Angel coefficient are shown to have a significant influence. Therefore, the influence of Food costs and education costs can be confirmed.

• Journal of Digital Convergence
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• v.12 no.3
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• pp.299-308
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• 2014

Nowadays, dental tourism becomes phenomenon because of its cost-effectiveness, improvement of quality and technology, dental infrastructure, and attractive tourism. Korea as one of popular destination country had established dental system. On the other hand, Indonesia with high number of population is potential market for dental tourism. The aim of this study is to compare the knowledge, attitude, and experience towards dental tourism among Indonesian and Korean. Two cross-sectional descriptive surveys were conducted to collect the data. This study was used one questionnaire in two different languages due to nature of the study population. Data from a total 923 of Indonesian from 33 provinces in Indonesia was collected during the period from April through July 2010. On the other hand, during May until August 2010 data from a total of 312 Korean were obtained. It was found that the majority of participants in both countries had never heard about dental tourism. Among those who had heard about dental tourism, the most common source was internet. Ownership of dental insurance had significant relationship with knowledge of dental tourism among Indonesian while level of education and monthly internet usage had it among Korean (p<0.05). Attitudes of Indonesian and Korean people about dental tourism were negative due to assumption that dental services in their home country were satisfactory. 100% of Korean had no experience on dental treatment in other countries while 2.4% of Indonesian had experience with it. In conclusion, regarding all these evidences, comprehensive and positive information about dental tourism is needed to enhance people's knowledge, attitude, and experience.