• The Journal of Asian Finance, Economics and Business
• /
• 제7권11호
• /
• pp.205-218
• /
• 2020

This study aims to analyze the influence of financial inclusion on micro-, small-, and medium-sized enterprises' (MSMEs) performance and examine the mediation role of financial intermediation and access to capital. The object of this study is MSMEs in Malang, Indonesia. The sample consists of 100 MSME actors in Malang City, which is determined using Roscoes theory. The data is collected using Simple Random Sampling method, by distributing questionnaire measured with Likert scales. The hypotheses proposed in this study are examined using Partial Least Square (PLS) model. The results of this study show that financial inclusion influences MSMEs' performance both directly and indirectly through mediation from financial intermediation and access to capital. The direct influence means that the efforts to increase access to financial services, especially access to credit financing for MSMEs, will be able to increase market share, number of workers, sales, as well as profit of the MSMEs. Increased financial inclusion has a major impact on improving MSMEs' performance through financial intermediation compared to access to capital. This means that the increase of financial access for MSMEs followed by an increase in financial intermediation in the form of a financial service approach to MSMEs will improve MSMEs' performance.

• 한국주조공학회지
• /
• 제26권4호
• /
• pp.184-190
• /
• 2006

Presence of inclusions in Ti castings imparts detrimental effects on the mechanical performance of castings. However, actual inclusions do not occur very frequently and they are difficult to locate. As a result, acquirement of specimens for mechanical tests and thus in-depth research of the adverse influence of inclusions are challenging. To address this problem, artificial inclusion seeding methodology is developed to emulate actual inclusions in Ti investment castings. Firstly, to validate that this new methodology does not result in inherent mechanical property degradation, Ti specimens with machined, backfilled and HIPed holes are produced and compared to control (unaltered), cast Ti material. Fatigue test results indicate that this 'machine-and-HIP methodology without seeding' does not result in any fundamental mechanical property alteration, which would bias ensuing comparative results. Secondly, based on this result, validation of the artificially seeded inclusions being equivalent to 'as cast' inclusions is performed by comparing their fatigue behaviors. Test specimens created by the novel artificial inclusion seeding methodology are equivalent to Ti casting specimens containing actual cast-in inclusions, and an adverse effect of inclusions in investment castings is confirmed.

• 한국해양공학회:학술대회논문집
• /
• 한국해양공학회 2001년도 춘계학술대회 논문집
• /
• pp.338-343
• /
• 2001

Recently the steel parts used at automobiles are required to be used under high stress more than ever before in need of the weight down. To achieve this requirement of a high strength steel, it must be necessary to decrease inclusion content and surface defect as like decarburization, surface roughness etc., In this study, the surface conditions are measured to know the influence on fatigue properties by two cases of shot peening of two-stage shot peening and single-stage shot peening. And for this study, two kinds of spring steel(SAE 9254, DIN 50CrV4) are made. This study shows the outstanding improvement of fatigue properties at the case of two-stage shot peening in the rotary bending fatigue test and this is assumed to be from (1) on low stress condition, the single stage shot peening is not affected by nonmetallic inclusion under metal. (2) it is possible that the two-stage shot peening increases the fatigue life and the high stress, but, that is affected by nonmetallic inclusion under metal. (3) so far, beeasily 50CrV4 have made high stress. But, results also show fatigue failures originated at inclusion near surface, and this inclusion type is turned out to be a alumina of high hardness.

• 약학회지
• /
• 제35권5호
• /
• pp.372-378
• /
• 1991

To increase the stability and bioavailability of Omeprazole(OMP), which is used newly as a proton-pump inhibitor, inclusion complex of OMP with $\beta$-cyclodextrin($\beta$-CD) was prepared by coprecipitation method and its characteristics were ascertained by means of solubility test, DSC, IR, and the accelerated stability analysis. The type of OMP inclusion complex is classified as Bs-type on phase solubility diagram, and the stoichiometric ratio of OMP: $\beta$-CD complex is 1:2 and formation constant is 80.82/mole. The solubility of the complex could be increased remarkably by complexation compare with OMP. Degradation process of both OMP and OMP complex followed apparent first-order kinetics, of which degradation rate constants and activation energies are k$_{25}$=8.1$\times$10$^{-4}$/day, E$_{a}$=22 Kcal/mole (OMP), and k$_{25}$=4.65$\times$10$^{-6}$/day, E$_{a}$=35 Kcal/mole (complex), respectively. These results show the increase of the stability and solubility of OMP markedly, therefore it is believed that the improvement of stabilization for OMP by inclusion complexation might be practically available.

• 약학회지
• /
• 제37권4호
• /
• pp.331-340
• /
• 1993

Inclusion complex of omeprazole(OMZ) with hydroxypropyl-$\beta$-cyclodextrin(HP-$\beta$-CD) was prepared by freeze-drying method. The complexation was confirmed by means of UV, CD, IR, DSC, XRD and $^{1}$H-NMR spectra. The benzimidazole moiety of OMZ might be found to be included into the cavity of HP-$\beta$-CD and the inclusion complex appeared to be $A_{L}$ type. The stoichiometric ratio of OMZ : HP-$\beta$-CD was found to be 1:1, and the stability constants of the inclusion complex by solubility and UV method were about 34 and 45 M$^{-1}$, respectively. The dissolution of OMZ was significantly enhanced from powder and. yablet of OMZ-HP-$\beta$-CD complex when compared to those of OMZ alone, and oil-to-water partition coefficient of OMZ-HP-$\beta$-CD complex was significantly higher than that of OMZ alone. Therefore, it was expected that the bioavailability of OMZ could be improved markedly by inclusion complexation of OMZ with HP-$\beta$-CD.

• Journal of Pharmaceutical Investigation
• /
• 제16권2호
• /
• pp.55-67
• /
• 1986

Inclusion complexation of tiaprofenic acid (TPA) with cyclodextrins $({\alpha}-,\;{\beta}-,\;{\gamma}-CyDs)$ in aqueous solution and in solid phase was investigated by solubility method, measurement of partition coefficient, ultra-violet, circular dichroism, infrared spectroscopies, powder X-ray diffractometry and differential scanning calorimetry. Investigations were made to prepare inclusion complexes of TPA with ${\beta}-CyD$ in solid powdered form by coprecipitation, freeze-drying, spray-drying and co-pulverization methods. The coprecipitation, freeze-drying and spray-drying methods were successful in obtaining inclusion complexes. The results showed that the latter two methods might be originally superior to the former in obtaining powdered inclusion completes. Especially, it was shown by powder X-ray diffractometry that spray-dried ${\beta}-CyD$ alone, TPA-spray-dried ${\beta}-CyD$ physical mixture, and spray-dried $TPA-{\beta}-CyD$ complex were amorphous. The dissolution behaviours of $TPA-{\beta}-CyD$ systems prepared by above four methods were compared with those of TPA alone and $TPA-{\beta}-CyD$ physical mixture, and the rates of dissolution of TPA in pH 1.2 buffer were greatly enhanced by inclusion complexation and copulverization.

• 자원환경지질
• /
• 제28권5호
• /
• pp.445-454
• /
• 1995

The petrochemical data of the porphyritic granites of Cretaceous age in the Yonghwa-Seolcheon area show the trend of subalkaline magma, calc-alkaline magma, I-type granitoid and magnetite series. This granite is the relevant igneous rock of gold-silver mineralization in this mining district Fluid inclusions have been studied in phenocryst quartz from the Cretaceous porphyritic granite. Three main types of fluid inclusion were found : liquid-rich inclusion(I type), gas-rich inclusion(II type) and solid-bearing inclusions(III-A, III-B). The solid-bearing inclusions(III-A,B) represent the earliest trapped fluids. They have salinities between 41.0 and 67.5 wt% equivalent to NaCl. These are high saline inclusions containing NaCl and KCl daughter crystals. Homogenization temperature inferred from the fluid inclusion study ranges from 650 to $75^{\circ}C$ Type I and II inclusions were observed within the same fracture. This cause for these differences in degree of filling is evidence of boiling. Salinities of type I and II inclusions range from 9.87 wt% to 15.29 wt%, from 8.40 wt% to 14.64 wt% NaCl equivalent, respectively.

• Steel and Composite Structures
• /
• 제51권1호
• /
• pp.63-72
• /
• 2024

This study delves into the interaction dynamics between lateral notches and inclusions, providing valuable insights for more effective engineering of structural components. By employing the finite element method, the research analyzes how inclusions affect the dimensions and contours of the plastic zone under confined plasticity conditions. Several parameters were investigated, including loading influence, the distance between the inclusion and notch tip, inclusion stiffness, and the distribution of Von Mises stress, as well as normal stresses σxx and σyy, and Comparison between different stresses. Examining stress distributions under varying loading conditions reveals a significant intensification, particularly near the crack tip. Moreover, the presence of an inclusion near the notch base reduces both the size and shape of the plastic zone. The distribution of the stresses for different loads knows an increase in intensity, especially near the crack head, which is the most requested by the tensile forces on its upper part, which can cause either the crack's initiation or opening, inducing significant stresses.

• Human Ecology Research
• /
• 제62권3호
• /
• pp.561-572
• /
• 2024

An inclusive childcare capacity building program was designed to enhance teacher efficacy and attitudes toward the inclusion of childcare teachers. A total of 36 teachers working in childcare facilities in Gyeonggido participated in this study. Nineteen teachers were assigned to the treatment condition and 17 teachers were assigned to the control condition. The program explicitly addressed 15 topics, including screening and diagnosis, early development, characteristics of disability, family support and related services, IEP, and online site observation. The program was primarily delivered by field professionals using adult learning techniques such as small group activities, reflective journal writings, and online consultation. Teachers in the treatment group outperformed teachers in the control group on three measures of teacher efficacy, teacher play efficacy, and attitudes toward inclusion. The results were statistically significant. The increase in teacher efficacy, play efficacy, and attitudes toward inclusion of teachers was attributed to the well-designed program, encompassing early development, disability characteristics, small group discussions, and online support. The results highlight the importance of providing and disseminating a capacity building program for in-service teachers.

• East Asian mathematical journal
• /
• 제34권1호
• /
• pp.47-58
• /
• 2018

In this paper, we consider a fuzzy nonlinear random variational inclusion problems involving ordered RME-multivalued mapping in ordered Banach spaces. By using the random relaxed resolvent operator and its properties, we suggest an random iterative algorithm. Finally both the existence of the random solution of the original problem and the convergence of the random iterative sequences generated by random algorithm are proved.