• Journal of the Korean Society of Safety
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• v.33 no.4
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• pp.62-71
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• 2018

The purpose of this study is to conduct surveys on demanders using financial aid projects to prevent industrial accidents and to improve them. It is divided into clean business and loan support business through the structured questionnaire. In the case of clean business, the following results were obtained. Most of the applications were received within three months after application. The most important factor considered by the consumer is the amount of support, which is considered to consider the substantial improvement as follows.The expectation for the reduction of industrial accidents after the project was 96.1% and compared to before and after the actual business, it showed a 46.8% decrease from the previous year. In addition, the cost decreased by 21.8%, the facility utilization rate increased by 24.4%, the sales increased by 15.9%, and the average number of workers increased by 6.0. As for the sustainability of the business, 86.6% of the respondents said that they should continue to do so. The following results were obtained in the case of loan support projects. Industrial accidents decreased by 45.2% from the previous year. Costs decreased by 19.4%, facility utilization rose by 26.7%, sales increased by 14.9%, and the number of workers increased by an average of 2.8. In the case of suppliers, prevention of industrial accidents at the business sites participating in the clean business was the highest factor (67.0%). 89% of respondents were aware of the disposal criteria for ineligible suppliers. 50.6% of the respondents answered that it is appropriate to maintain the current level, and 39.4% of respondents answered that they should strengthen. The prices for the support items were more than 15% higher than the market prices.

• Journal of Korean Library and Information Science Society
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• v.54 no.4
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• pp.1-24
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• 2023

In a situation with reducing numbers of students and local universities in crisis, this study aims to analyze collection and loan usage data in small-sized university libraries and present evidence for guiding their collection development policy. The data was collected from Rinfo from 2010 to 2022 regarding the numbers of enrolled students, collected books, book loans, and electronic resources and compared the average values of entire 4-year university libraries to those of small-sized ones by year and region. Results show that while the numbers of enrolled students and book loans have decreased in both of groups, the number of collected books has increased 30% more in small groups and the amount of electronic resource use has increased enormously as well. Correlation analysis presents that both of groups have the consistent result. It is suggested that small-sized university libraries should highly increase their budget ratio to electronic resources for collection development and build a consortium by university's speciality for mutual use of electronic resources.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.1147-1154
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• 2021

The study aimed to investigate the impact of the microfinance program on loan borrowers' asset accumulation. In doing this, the study used descriptive and statistical methods to achieve the objectives. Primary data were collected from 192 respondents from Bangladesh using survey questionnaires. The data were analyzed using the multiple linear regression model. The result revealed that the majority of the borrowers said their assets such as farm, land, and livestock remained the same, which implies that microfinance borrowers still lag behind accumulating household assets. However, in the case of housing conditions and household appliances, there was a marginal increase. The regression result provides evidence that, among other factors, the amount of loan received from microfinance institutions and time duration with them is the most significant role-playing factor for borrower's sustainable well-being. The age and education level of borrowers are identified as positively related to asset accumulations, but not substantially so. Moreover, training provided by microfinance institutions is not effective and influential for microfinance borrowers' wealth accumulation, which is evidenced by the findings. This study's insights are worthwhile for any microfinance institution's decision-makers, development partners, and government to stress the shortcomings and accelerate the borrower's wealth status.

• Economic Analysis
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• v.27 no.3
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• pp.1-32
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• 2021

This study empirically analyzes whether bank capital channel and risk-taking channel for monetary policy work for domestic banks in South Korea by analyzing the impact of the expansionary monetary policy on the rate spread between deposit and loan, capital ratio, and loan amount. For the empirical analysis, the Uhlig (2005)'s sign-restricted SVAR(Structural Vector Auto-Regression) model is used. The empirical results are as follows: the bank's interest rate margin increases, the capital ratio improves, risk-weighted asset ratio increases, and the amount of loans increases in response to expansionary monetary shock. This empirical results confirm that bank capital channel and risk-taking channel work in domestic banks, similar to the previous research results. The implications of this study are as follows. Although the expansionary monetary policy has the effect of improving the bank's financial soundness and profitability in the short term as bank capital channel works, it could negatively affect the soundness of banks by encouraging banks to pursue risk in the long run as risk-taking channel works. It is necessary to note that the capital ratio according to the BIS minimum capital requirement of individual banks may cause an illusion in supervising the soundness of the bank. So, the bank's aggressive lending expansion may lead to an inherent weakness in the event of a crisis. Since the financial authority may have an illusion about the bank's financial soundness if the low interest rate persists, the authority needs to be actively interested in stress tests and concentration risk management in the pillar 2 of the BIS capital accord. In addition, since system risk may increase, it is necessary to conduct regular stress tests or preemptive monitoring of assets concentration risk.

• The Journal of the Korea Contents Association
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• v.13 no.5
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• pp.387-395
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• 2013

Insurance accounting is the process of identifying, measuring, and communicating economic information to permit informed judgements and decisions by users of the insurance information. With the Korean-International Financial Reporting Standard(K-IFRS) on accounting for insurance contracts to be finalized by 2011 in Korea, the fair value accounting is expected to greatly affect the insurance industry in terms of insurance company' financial statements. This research analyzes the effect of financial statement as K-IFRS on the insurance accounting by comparing the financial statements of the listed company using past insurance accounting standard and the current K-IFRS standard. We analyzed the matched pair sample at loan amount, insurance contract debt, total assets amount, total debts amount, total capital amount in the financial statements of the listed 12 insurance company. We found that insurance contract debt, total assets amount, total debts amount, total capital amount are difference before and after K-IFRS applied insurance company.

• Journal of the Korean Society for information Management
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• v.34 no.1
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• pp.263-289
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• 2017

The purpose of this study is to enhance the understanding of the provisions for library exceptions in copyright laws and to suggest the direction for the revision of provision in the Copyright Act of Korea. This study compares and analyzes the provisions for library exceptions in several countries' copyright law including Korea, Japan, UK, Australia and USA. This study found that the most common issues in library exception provisions are providing reproduction for users, reproduction for preservation, reproduction for interlibrary loan and digitization of library collections but the conditions for each issue are quite different. The suggestions for the revision of the library exceptions in the Copyright Act of Korea are as follows: changing the amount of reproduction of unpublished works, of works which cannot be obtained at a fair price and of periodicals for users, the transmitting digital reproduction to the user under limited conditions, preparing conditions for reproduction for preservation in libraries, preparing the applicable provisions for reproductions for interlibrary loans and for the limitation of works to be digitized and extending their use at the same time.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.31 no.6
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• pp.1267-1277
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• 2021

The phone number used for advertising messages and voices used as bait in the voice phishing crime access stage is being used to send out a large amount of illegal loan spam, so we want to quickly block it. In this paper, our system is designed to block the usage of the phone number by rapidly restricting the use of the voice spam phone number that conducts illegal loan spam and voice phishing, and at the same time sends continuous calls to the phone number to prevent smooth phone call connection. The proposed system is a representative collaboration model between an illegal spam reporting agency and an investigation agency. As a result of developing the system and applying it in practice, the number of reports of illegal loaned voice spam and text spam decreased by 1/3, respectively. We can prove the effectiveness of this system by confirming that.

• Journal of Technology Innovation
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• v.12 no.1
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• pp.25-48
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• 2004

The relative efficiency of loan projects of information technology promotion fund is measured using Data Envelopment Analysis. Information technology promotion project is supervised by the Ministry of Information and Communication and is managed by the Institute of Information Technology Assessment. Among all the projects of information technology supported by this fund, this study deals with the themes that have been completed from 2000 to 2002. With multiple input and output data including the amount of fund, the period of study, the rate of increase in revenue, the increase in the amount of export and the increase in the number of patent, the relative efficiency scores of all the 119 subjects were calculated in CCR and BCC models of DEA. From the reference sets of some inefficient Decision Making Units, the causes of their inefficiency were analyzed. To compare the relative efficiencies among various DMUs, Super-Efficiency Ranking Method and Logistic Regression Model were used. As the result of this study, it was shown that W promotion funds in the fields related to mobile technology, visual equipment and communication device were used most efficiently.

• The Journal of Information Systems
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• v.26 no.4
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• pp.401-418
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• 2017

Purpose: Since the cost of feed for Korean pig farmers has been increasing, attracting crowdfunding for the swine industry become important. This paper applies the AHP decision-making method to build a model for the sustainable growth of crowdfunding in the swine industry. Design/methodology/approch: The result from the analysis of data collected from this research shows that both investors and borrows groups consider tangible assets to be most important for crowdfunding in the swine industry. Findings: Thus protection of investors should be resolved first by providing collateral rather than insisting on the conventional crowdfunding method that stresses the credit aspects only. The investors and borrows groups also judged the loan amount very important, suggesting that the smooth and sufficient investment should be secured for borrows group.

• East Asian Journal of Business Economics (EAJBE)
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• v.5 no.2
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• pp.12-37
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• 2017

The analysis of results of the market of loans granted to legal entities, the physical persons are provided in the work. The assessment of condition of industry segments of the market of the credits of legal entities is carried. The results of assessment of the market of the credits of physical persons by types of the granted loans are provided. The correlation and regression analysis on the industry segments of crediting of legal entities is carried out. The dynamics of development of debt on the industry segments of crediting is determined. The results show that: Hypothesis 1. The amount of the issued credits to the legal entities steadily in-creases on all industries of economy. Communication between the industry segments of market very high. Hypothesis 2. Crediting of physical persons is characterized by relative stability. The structure of overdue debt repeats the structure of the issued credits to the physical persons.