• Title/Summary/Keyword: Loan Amount

Search Result 61, Processing Time 0.022 seconds

A Study on the Provision of the Copyright Limitations for Libraries of the Korean Copyright Act (우리나라 저작권법의 도서관관련 권리제한 규정에 관한 연구)

  • Kim, Jong-Chul;Kim, Young-Seok
    • Journal of Korean Library and Information Science Society
    • /
    • v.43 no.1
    • /
    • pp.349-369
    • /
    • 2012
  • This study aims to examine the problems of the Article 31 of the Korean Copyright Act and to suggest the improvement of the Article 31. The study analysed the establishment and revisions of the Act and the Article 31. The study suggests the followings for the improvement of the Article 31: firstly, to limit copyright limitations for libraries operated by profit organizations but to extend copyright limitations for libraries operated by non-profit organizations, secondly, to abolish the system of property rights compensation, thirdly, copyright organizations and library associations closely discuss to solve the problems on reproduction prevention measures, the amount of reproduction, the inter-library loan of library materials among libraries.

Localization of the Rural Development Policy (농촌지역 개발정책의 지방화 방향)

  • Choi, Chan-Ho
    • Journal of Agricultural Extension & Community Development
    • /
    • v.4 no.1
    • /
    • pp.57-72
    • /
    • 1997
  • Korean agriculture and rural sector has undergone a wide range of reform after the Uruguay Round. Major policy measure is to put finances of huge budget from tax payers since 1994 in preparation of the Rural Development Strategy and Reform Program. Both in the total amount and individual size of the subsidy and loan for eligible farmers and farmers group are large and drastically enormous than any other programs in the past. The strategy adopted was a bottom-up approach, Particularly in selecting the project with local autonomy. However, it has been still criticized as the form of centralized control of budget and decsion. In terms of the program effectiveness too, it is doubtful to judge that Korean agriculture is in a road to getting the international competetiveness as targeted. Since the local autonomy was started in 1995, the political structure has been settling in a way to be more locally institutionalized. Rural development policy, as the key point of economic and industrial dimension of local autonomy, should be initiated and practiced in real term by the local government. This paper, in this concern, in reviewing the past rural development prolicy and programs, discussed the necessary issues relevant to legal bases of land uses in Korea. Further, the direction of increasing local automous power of local government was discussed in the senses of budgetary control and decision. The power and budget should be allocated more to the rural development plans of local government in order to fulfilize integrated rural spatial development in this new era of globalization.

  • PDF

Management Evaluation on the Regional Fisheries Cooperatives using Data Envelopment Analysis Model (DEA모형에 의한 지역수협의 경영평가)

  • Lee, Kang-Woo
    • The Journal of Fisheries Business Administration
    • /
    • v.42 no.2
    • /
    • pp.15-30
    • /
    • 2011
  • This study is designed to measure the relative efficiency of regional fishery cooperatives based on Data Envelopment Analysis(DEA) methods. Selecting 40 regional fishery cooperatives in Busan as Decision Making Units (DMUs), the study uses their panel data from 2007 to 2008 to rank the relative efficiency of the DMUs. First, the efficiency score of the DMUs are calculated using CCR, SBM, and super-SMB model. Within the model, input variables are the number of employees and area of fishery cooperatives. Output variables are the amount of deposit money, loan and profit. Based on the efficiency scores calculated from super-SMB model, the efficiency ranking of the DMUs is determined. Second, the differences in average efficiency calculated from the three DEA models are tested using a pair-wise mean comparison test. The results based on the efficiency scores evaluated from super-SMB model show that seven out of the forty DMUs are efficient; among the efficient DMUs, the DMUs that can be benchmarked for inefficient DMUs through the frequency analysis of reference set being identified. Third, the differences in average efficiency of the three DEA models between 2007 and 2008 are tested using pair-wise mean comparison test and the study estimates the efficiency change of the DMUs between 2007 and 2008 using Malmquist productivity index(MPI). Finally, the paper suggests an improved composite DMU superior to the inefficient DMUs evaluated by Super-SBM model.

Counter-Cyclical Capital Buffer and Regional Development Bank Profitability: An Empirical Study in Indonesia

  • ANDAIYANI, Sri;HIDAYAT, Ariodillah;DJAMBAK, Syaipan;HAMIDI, Ichsan
    • The Journal of Asian Finance, Economics and Business
    • /
    • v.8 no.5
    • /
    • pp.829-837
    • /
    • 2021
  • The study investigates the impact of the Counter-Cyclical Buffer Policy (CCB) on regional development bank profitability in Sumatra, Indonesia. CCB requires banks to hold capital at times when credit is growing rapidly so that the buffer can be reduced if the financial cycle turns down or the economic and financial environment becomes substantially worse. This study employs time series data of regional development banks (RDBs) in Sumatra Island, Indonesia. The methodology applied in this study is a panel dynamic model with Generalized Methods of Moments (GMM). The results show that increasing capital through the implementation of CCB did not have a significant effect on RDBs' profitability. The findings of this study suggest that the activation and implementation of CCB lead to an increase in the amount and cost of loans to companies but do not affect the profitability of RDBs. The value of a Non-Performing Loan (NPL) proved to have a negative and significant effect on bank profitability. The CCB policy aims to overcome the pro-cyclicality of credit growth and improve bank resilience through increased capital which is expected to reduce excessive credit growth as a source of systemic risk. This causes a lack of lending to the community so that the profits obtained by the bank decrease.

A Nexus Between Employee Engagement and Goal Orientation to Employee Competence and Performance: Evidence from Indonesia

  • SIREGAR, Budi Alamsyah;SUMA, Dewi
    • The Journal of Asian Finance, Economics and Business
    • /
    • v.9 no.10
    • /
    • pp.147-158
    • /
    • 2022
  • This study examines the relationship between employee engagement and goal orientation toward competence. In addition, it also examines the relationship between competence and employee performance in financial institutions in Indonesia. Questionnaires were distributed to several employees who work at financial institutions in Aceh, North Sumatra, and Riau. The basis for selecting the research object was that most financial institutions have similar business products. The similarities are the marketing of home loan ownership products and multipurpose investments. The three study regions are located in western Indonesia's most central provinces and have a significant amount of trade. The sampling technique used was purposive sampling based on specific criteria for the respondents. 275 employees made up the research sample, and partial least squares data analysis methods were applied. In data analysis, initial testing was carried out on the components of the research statement items to see their validity and reliability. The results of this study indicate that employee engagement behavior can improve employee performance, which improves financial institutions' organizational performance. The study's findings offer suggestions for policies and guidelines that will encourage productive work behavior among employees and boost organizational performance. The fact that employees must think and act creatively to develop their competence and become superior employees is another distinctive feature of this research.

Construction of an Internet of Things Industry Chain Classification Model Based on IRFA and Text Analysis

  • Zhimin Wang
    • Journal of Information Processing Systems
    • /
    • v.20 no.2
    • /
    • pp.215-225
    • /
    • 2024
  • With the rapid development of Internet of Things (IoT) and big data technology, a large amount of data will be generated during the operation of related industries. How to classify the generated data accurately has become the core of research on data mining and processing in IoT industry chain. This study constructs a classification model of IoT industry chain based on improved random forest algorithm and text analysis, aiming to achieve efficient and accurate classification of IoT industry chain big data by improving traditional algorithms. The accuracy, precision, recall, and AUC value size of the traditional Random Forest algorithm and the algorithm used in the paper are compared on different datasets. The experimental results show that the algorithm model used in this paper has better performance on different datasets, and the accuracy and recall performance on four datasets are better than the traditional algorithm, and the accuracy performance on two datasets, P-I Diabetes and Loan Default, is better than the random forest model, and its final data classification results are better. Through the construction of this model, we can accurately classify the massive data generated in the IoT industry chain, thus providing more research value for the data mining and processing technology of the IoT industry chain.

Appraisal of the Special Production Area Development Project in Rural Area and Countermeasures for Off-farm Income Increase (The Case of Chungnam Province) (농어촌(農漁村) 특산단지개발사업(特産團地開發事業)의 평가(評價)와 농외소득증대방안(農外所得增大方案) (충청남도(忠淸南道)를 중심(中心)으로))

  • Lim, Jae Hwan
    • Korean Journal of Agricultural Science
    • /
    • v.18 no.2
    • /
    • pp.164-179
    • /
    • 1991
  • Korean agriculture has encountered two problems. One is internal income disparity between rural and urbarn area and the other is external Uruguay Round trade problems as an abolition of direct and indirect import barriers, reduction in export subsidies and to reduce internal price supports. These problems will be brought severe farm problems such as decreasing farm household income and repressing agricultural growth in the near future. Considering the above inevitable facts Korean government has implemented several development projects such as rural industrial area development project, rural special production area development project, leisuresight seeing farm development project, traditional food development project, unskilled labor training project for off-farm employment and so on, to increase farm household income through off-farm income increase. This study was mainly concentrated on the identification of operational problems and post evaluation of the rural special production area development projects which aimed at increasing non-farm incomes and giving employment opportunity for rural farmers in small factories processing regional special farm products and mine products. The main findings and problems to be solved for the successful project implementation are as followed ; 1. Total number of the special production area development projects as of the end of 1991 was amount to 138, and total number of farm household participated were estimated at 2,079, and total amount of off-farm income per farm household was reached to 3,011 thousand won. 2. The total number of processed special products have increased from 21 items in 1981 to 56 items in 1991. On the other hand the total number of farm household participated in the projects have decreased from 2,518 to 2,079 during same period. 3. Total amount of investment for the projects has increased from 1,429 million won in 1981 to 24,760 million won in 1991 but the rate of G'T loan of the total investment has reduced from 24.5% to 5.2% during same period. 4. 138 special production area development project are classified into 6 kinds of commodity groups such as 19 of general industrial good production areas, 52 of folks-industrial art objects production areas, 39 of food processing areas, 9 of fiber and texstile processing areas, 18 of agricultural and fishery inputs processing areas and 1 of stone processing area. 5. The total production value in 1990 was estimated 20,169 million won of which export was amount to 2,627 million won. 6. The finacial rate of return of the UNGOK KUGIJA Tea processing Project operated by UNGOK coops and BAKSAN ginseng tea processing project were estimated at 45.4% (B/C Ratio=1.17, NPV=152.5 million won) and 17.7% (B/C Ratio=1.12, NPV=120.2 million won) respectively. 7. More favorite terms and condition of the loan including collateral problems have to be given to farmers participated. Heavy investment and G'T subsidy policies should be started for the successful project implementation anf farm household income increase. 8. To expand market demand of the rural special goods G'T have to provide special program of TV or other mass media for commodity propaganda and the total cost concerned must be supported by G'T subsidy. 9. The special farm products as GUGUJA,MOSI'Ramie', Ginseng. SOGOKJU,HEMP,Mushroom.DUGYUNJU and Chesnut processing projects have to be propelled and expanded for off-farm income increase in Chung Nam Province. 10. Direct operational pattern of the special production area by coops is more favorable to farmers and recommendable considering with off-farm income increase and market demand creation throughout Korea. 11. In rural area, special organizations for project appraisal are not exist. Accordingly special training program, project appraisal, formulation and preparation for civil servants concerned have to be prepared for project selection and sound implementation under limited budget and financial support.

  • PDF

A Study on Reduction Effect of Processing Wastewater by Introduction of PACS (PACS 도입에 의한 현상시스템 폐수 감소효과에 관한 연구)

  • Ko, Shin-Kwan;Han, Dong-Kyoon;Kim, Wook-Dong;Kang, Bung-Sam;Yang, Han-Jun
    • Journal of radiological science and technology
    • /
    • v.30 no.2
    • /
    • pp.167-175
    • /
    • 2007
  • There are some positive effects by the introduction of PACS(Picture Archiving Communication System). This study is to analyze the mutual relation between before and after of the introduction of PACS in terms of the environment effect. It is supposed to cause the reduction of developing and fixing wastewater according to the increase in the rate of a non-film. This study will also show the amount of wastewater. Target places were the department of image medicine(diagnostic radiation) of the general hospitals in Seoul and Gyeonggi-Do, which are equiped with full PACS. The authors examined questionnaires on the number of projection, the number of indirect projection, the amount of the film used, the number of radiation image CD loan, the amount of the developing and fixing solution used, the change of the amount of fixing wastewater. According to the analysis, we analyzed the change of the amount of developing and fixing solution per a film and the change of the amount of developing and fixing wastewater which is supposed to be reduced proportionally by the introduction of PACS. We got conclusion as below after analyzing 8 hospitals except the largest and the least amount of examination, film used, developing and fixing solution and the amount of developing and fixing wastewater in order to decrease the deviation from 10 general hospitals located in Seoul and Gyeonggi-Do. We compared data one year before adopting PACS Versus 3 years after adopting PACS. 1. The frequences of examination increased to 7,357.7 cases per month but the amount of film used decreased to 90%, from 42,774.4 to 4,181.88 after adopting the PACS. 2. 3 years after adopting PACS, monthly average amount of developing solution used decreased to 92% and the monthly average amount of fixing solution decreased to 86%. 3. Monthly average amount of developing solution used per film increased to 1.49 times and fixing solution increased as much as three times. 4. Monthly average wastewater for developing decreased to 88% and wastewater for fixing decreased up to 87%. 5. Monthly average wastewater for developing per film increased to 3.77 times and wastewater for fixing increased to 3.85 times. Although the amount of film used and the amount of developing and fixing wastewater affected by the reduction of the developing and fixing solution became less on the whole by introduction of PACS, they did not decrease proportionally. Moreover the amount of the developing and fixing solution used and the amount of developing and fixing wastewater per a film increased. That means the expectation for an environmental improvement differs from the actual condition.

  • PDF

Housing Market Participants' Decision Process and The Dynamics of Ripple Effect on Korean Housing Market - Focusing on The Cause of Housing Market Stagnation and Housing Policies After 2008 Global Financial Crisis - (국내 주택시장 참여자의 거래의사 결정과정 및 시장 파급효과의 동태적 분석 - 금융위기 이후의 주택시장 침체원인 및 주택정책을 중심으로 -)

  • Hyun, Hosang;Lee, Hyun-Soo;Park, Moonseo;Hwang, Sungjoo
    • Korean Journal of Construction Engineering and Management
    • /
    • v.15 no.5
    • /
    • pp.147-159
    • /
    • 2014
  • After 2008 global financial crisis, Korean housing market has experienced stagnation. So it caused housing market problems like housing price reduction, rising rent cost and so on. For housing market normalization government announced policies but Korean housing market didn't recover from stagnation. So, to understand why Korean housing market couldn't overcome the recession and why the policies didn't be effective, this research analyzed housing market participants (home owner, housing demand) based on the law of supply and demand and the psychological effect on their transaction intention based on behavioral economics(behavioral finance). Based on the analysis this research tested the effectiveness of announced policies using System Dynamics. The result showed that the amount of transaction and mortgage loan was influenced by the length of time to draft policies.

Installation of Meteorological Mast for the Test Bed of Offshore Wind Power (서해 100MW 해상풍력 실증단지 기상타워 구축사례)

  • Ryu, Moosung;Kang, Keumseok;Kim, Jiyoung;Lee, Junshin
    • 한국신재생에너지학회:학술대회논문집
    • /
    • 2011.05a
    • /
    • pp.55.2-55.2
    • /
    • 2011
  • The final site of offshore wind power plant should be decided by comprehensive examination of various conditions such as wind resource, sea depth, geology, grid connection, social circumstance and environmental issue. Wind condition is typically regarded as the most important factor because wind energy increases in proportion to wind velocity and it directly relates to the amount of power output, efficiency of power plant and profitability. Advanced countries in the offshore wind power sector such as Denmark, UK and Germany, they are analyzing wind resource accurately by installing the meteorological mast in the ocean in order to get the optimal type of wind turbine and maximum generation efficiency. Also, it is made much of designing offshore power plant on the basis of actual measurement by met-mast and those wind farms have a chance to get the loan with reduced interest rate in project financing. In Korea, the HEMOSU-1 is installed in the ocean around Wido island to analyze wind resource of test bed of 100MW offshore wind power on october last year. This paper deals with the design and construction procedure of the first met-mast in Korea and also shows the site characteristics of test bed. Therefore, this paper will give useful information to local governments and private business sector who are trying to construct offshore wind farm and it can also be a good reference for the following projects of meteorological mast in near future.

  • PDF