• The Journal of Asian Finance, Economics and Business
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• v.7 no.7
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• pp.293-302
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• 2020

Capital mobilization is a traditional business of commercial banks and is one of the core foundations for the development of a bank. Capital mobilization is the main input in the operation of a bank, and this is also the basis for generating output for credit activities as well as other banking activities. This study aims to determine the main factors that affect the decisions of individual customers to put savings deposit in Vietnamese commercial banks. Survey data collected from 403 individual customers were analyzed to provide evidence. The results from the multiple regression analysis by using SPSS software revealed that all scales in this study were reliable, and there were six components impacting the savings deposit decision of individual customers from the strongest to the weakest in the following order: the form of promotion, bank brand, service quality, interest rate policy, and employee knowledge and attitude. Besides, the finding showed customers who have high income tend to have a stronger decision on savings deposits in commercial banks. The main findings of this article provide some empirical implications for marketers in banks and serve as a suggestion to improve these factors in order to retain and attract individual customers' savings deposit decisions.

• Asia pacific journal of information systems
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• v.15 no.4
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• pp.89-107
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• 2005

As new information technology(IT) adoption continues to produce many investment opportunities, imperfectly informed IT managers keep trying to acquire credible external signals to update their knowledge on new technologies. Such learning processes usually help them to reach better IT adoption decisions. In some cases, however, the opposite of the goal is achieved. Most IT managers quickly converge to the same adoption decision independent of their private information. Interestingly, such information cascade is the outcome of each individual decision maker's rational choice. A technology acceptance model(TAM) is adopted that has been widely used to predict the end-user's acceptance of a new technology. A model with individual charact-eristics and information cascade variables is constructed to explain user's intention in adopting blogging. The model is empirically tested with surveyed data. The results show that individual characteristics and information cascades have significant impacts in the case of blogging.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.11
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• pp.541-548
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• 2020

This study aimed to explain the factors that influenced an individual's decision to migrate. The method of analysis in this study was the estimation of the probit regression model with data from the Indonesian Family Life Survey (IFLS-5), which covered 30,000 individuals from 13 provinces in Indonesia. Data from IFLS-5 were longitudinal data, meaning that the study was looking for data consistently to get reliable data from respondents. The research variables to determine the individual's decision to migrate were education level, income level, employment status, marital status, land ownership status, health quality, gender, residence status, and poverty status. Individual decision to migrate as a dependent variable was placed as a dummy variable. The results showed that the level of education, income level, employment status, marital status, land ownership status, health quality, and poverty status significantly influenced an individual's decision to migrate. Meanwhile, gender and residence status did not significantly affect an individual's decision to migrate. This research recommends that it is necessary to pursue a policy of economic equality between regions because economic factors are the main trigger for an individual's decision to migrate. Policies to overcome economic disparities among regions will reduce the individual's decision to migrate.

• Korean Journal of Cognitive Science
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• v.27 no.3
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• pp.407-420
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• 2016

We live under the consequences of countless decisions, among which significant number of decisions is made by representatives acting on behalf of us. However, individuals often make disparate decisions depending on which identity they are assigned as an agent or with which opponent they are interplaying. In the current research, behavioral discontinuity depending upon actor identity and social relationship was investigated using the ultimatum game. Participants behaved in a more economically rational way when they acted as a group representative compared with when they made decisions as a private individual. However, the direction of the individual-representative discontinuity was reversed when rivalry came into play. Furthermore, more fairness was requested to accept the offers in the interaction with the rival compared with the neutral countergroup. Especially when interacting with the rival group, participants showed contrasting level of decision bias - measured by rejection rate toward unfair offers - according to the degree of mind attribution to the opponent. Specifically, the greater participants attributed a mind to the rival group, the more they rejected the unfair offers from it. The present research is important in that it provides insight into individuals' decision-making in a group context, which sometimes forgoes the financial gain of the entire group and ultimately leads to the sub-optimization of social welfare.

• Korean Journal of Culture and Social Issue
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• v.11 no.1
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• pp.59-84
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• 2005

Three studies were conducted to examine the degree to which three common heuristics, anchoring heuristic, framing effect and representative-ness heuristic, influence the decision-making precesses of actual judges and 5-persons mock juries. With scenarios regarding various issues that are commonly raised in actual criminal and civil trials, study 1 examined the 158 actual judges' decisions. In study 2, the decisions of 80 mock jury groups that consisted of college students were examined with similar scenarios. And individual decisions were examined in study 3 to compare with the group decisions in study 2. The decision processes of the actual judges and the mock jury groups alike were found to be influenced by "anchors". But the biases by the anchoring heuristic were more pronounced in the group decisions than in the decisions of the actual judges. With respect to framing effect, the actual judges were found to be resistant, while a small effect was found in the decisions of mock jury groups. Representative-ness biases weren't found in the decisions of both the actual judges and mock juries. The implications of the results for judicial systems were discussed.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.3
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• pp.845-853
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• 2021

The stock market shows the current health of an economy, and investment performance represents it. This study aims to clarify the relationship between financial behavior and investment decisions as well as its impact on investment results. Determine the influence of behavioral factors on individual investors' investment decisions and investment performance on the Vietnam stock market. The study surveyed 250 investors. The main analytical methods used are Exploratory Factor Analysis (EFA), Confirmatory Factor Analysis (CFA), and Structural Equation Modeling (SEM). Research results show that Heuristic, Prospect, Market, and Herding directly and positively affect investment decision-making. Besides, the above factors have a direct and positive effect on investment performance. In particular, the Prospect factor has the strongest influence on investment decision-making and investment performance. The major findings of this study suggested that the important role of Heuristic, Prospect, Market, and Herding on Investment Decision-making and Investment Performance. Prospect had the strongest impact on Investment decision-making (β = 0.275). Heuristic had the second strongest impact (β = 0.257), then Herding (β = 0.202), and finally Market (β = 0.189) had the weakest effect. Regarding Investment Performance, the Prospect factor has a higher degree of impact than Heuristic Herding and Market.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.34 no.2A
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• pp.132-138
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• 2009

Cognitive radio is considered as a promising solution to scarce spectrum problem. The primary object of cognitive radio is to increase spectral efficiency, while causing limited interference to primary users who are using the spectrum. Hence, an essential part of cognitive radio systems is spectrum sensing which determines whether a particular spectrum is occupied or not by a primary user at a particular time. However, sensing decision of each individual secondary user alone may not be reliable enough due to shadowing and multipath fading of wireless channels. The so called hidden terminal problem makes the problem even worse, possibly yielding undesired interference to the primary users. Recently, cooperative spectrum sensing is emerging as a remedy to these problems of individual sensing. Cooperative sensing allows a group of secondary users to share local sensing information to extract a global decision with high fidelity. In this paper, we investigate a cooperative spectrum sensing algorithm based on hard decisions of local sensing outcomes. Specifically, we propose an effective scheme for combining local decisions by introducing weighting factors that reflect reliability of the corresponding secondary user. Through computer simulations, the performance of the proposed combining scheme is compared with that of the conventional scheme without weighting factors in various environments.

• Health Policy and Management
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• v.31 no.3
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• pp.255-260
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• 2021

Background: Korea National Health Checkup Programs are aimed at the prevention and early detection of cardiovascular disease in adults. To establish a countermeasure for this tendency, The current Korea National Health Checkup Programs have been providing Health Risk Appraisal (HRA) since 2009, thereby focusing on individual lifestyle correction. However, from 2018, the dyslipidemia screening exam cycle has been changed from 2 to 4 years. Methods: In this study, we try to investigate whether policy decisions are valid based on domestic reports that have influenced policy decisions. First, considering the epidemiology of the domestic cardiovascular disease, dyslipidemia, and metabolic syndrome, the change of the 4-year cycle is appropriate or not. Second, whether the research method that applies came to make policy decisions appropriate or not. Third, our study also investigates whether the direction of policy decision was suitable for the second comprehensive national examination plan. Results: The data that are used in the previous study were that of 10 years ago and there also was a problem in selecting the data, especially the use of one of the research methods to calculate the signal to noise ratio that was aimed at improving health had some problems. This is a research method that does not match with the aim itself. Conclusion: Changing the screening cycle for dyslipidemia does not match the recent trend of general screening to effectively prevent cardiovascular disease in improving individual lifestyles in the national health checkup plan. Studying the relationship with metabolic syndrome, which can be an intermediate stage of cardiovascular disease, could be a policy direction that is more suitable for the national health examination comprehensive plan.

• Journal of Families and Better Life
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• v.26 no.5
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• pp.109-127
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• 2008

There are few studies on the characteristics of debtors in individual rehabilitation procedures, though research in this field is needed. The scarcity of research means that public policy and perception are being made with inadequate information and, to a certain extent, based on personal prejudices and misconceptions. The purpose of this study was to find out demographic, economic and psychological characteristics of debtors in individual rehabilitation procedures. For this study, an in-depth interview was used. The major findings were as follows : The focus of this study is debtors in individual rehabilitation procedures. They were all under 40 and received relatively high educations. Interestingly, they showed a high tendency to use debt and an inability to manage their money. They had short time horizons and imperfect self-control in consumption and borrowing decisions. Monthly income, expenditures, asset and debt of the debtors, and monthly payment to creditors were reported. There were a lot of reasons for their bankruptcy : business failure, job loss, the cost of raising children, and expenditures for entertainment causing them to file for individual rehabilitation procedures. One of the major conclusions of this study was the discovery that their psychological characteristics were nearly the same. The implications of the study suggest that financial education and counseling must consider psychological characteristics.

• Journal of the Regional Association of Architectural Institute of Korea
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• v.8 no.4
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• pp.123-130
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• 2006

This paper discusses issues faced by individual building industry clients. These form the majority of clients but, because they do not possess high purchasing power, they attract less attention in the industry. Given that key decisions on project definition and procurement strategy are made at the pre-project stage, the industry would benefit from knowing relevant aspects of its clients' attitudes and behaviors, so that it can support them. There is a lack of research on this subject, and so we first describe a theoretical framework and research methodology that were developed for this specific group of clients. Theory adopted from consumer behavioral research was introduced to develop a general behavioral model of individual clients. In this model, individual clients are assumed to seek and then process information after acknowledging normative activities. To validate our model, a field survey was conducted using randomly selected individual clients. Their opinions on the importance and difficulty of 12 normative activities were analysed to establish a general attitude. Information seeking behaviour was investigated by measuring the frequency and type of source that they contacted to conduct the normative activities. The attitudes and information seeking behaviour presented in this research will contribute to the development of project tools for supporting these clients.