• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.5
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• pp.77-90
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• 2023

This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

• Asian-Australasian Journal of Animal Sciences
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• v.25 no.7
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• pp.962-970
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• 2012

This study aimed to investigate the effects of ruminal infusion of garlic oil (GO) on fermentation dynamics, fatty acid (FA) profile, and abundance of bacteria involved in biohydrogenation in the rumen. Six wethers fitted with ruminal fistula were assigned to two groups for cross-over design with a 14-d interval. Each 30-d experimental period consisted of a 27-d adaptation and a 3-d sample collection. Goats were fed a basal diet without (control) or with GO ruminal infusion (0.8 g/d). Ruminal contents collected before (0 h) and at 2, 4, 6, 8, and 10 h after morning feeding were used for fermentation analysis, and 0 h samples were further used for FA determination and DNA extraction. Garlic oil had no influence on dry matter intakes of concentrate and hay. During ruminal fermentation, GO had no effects on total VFA concentration and individual VFA molar proportions, whereas GO increased the concentrations of ammonia nitrogen and microbial crude protein (p<0.05). Compared with control, GO group took a longer time for total VFA concentration and propionate molar proportion to reach their respective maxima after morning feeding. The ratio of acetate to propionate in control reduced sharply after morning feeding, whereas it remained relatively stable in GO group. Fatty acid analysis showed that GO reduced saturated FA proportion (p<0.05), while increasing the proportions of C18, t11-18:1 (TVA), c9,t11-conjugated linoleic acid (c9,t11-CLA), t10,c12-CLA, and polyunsaturated FA (p<0.05). The values of TVA/(c9,t11-CLA+TVA) and C18:0/(TVA+C18:0) were reduced by GO (p<0.05). Real-time PCR showed that GO tended to reduce Butyrivibrio proteoclasticus abundance (p = 0.058), whereas GO had no effect on total abundance of the Butyrivibrio group bacteria. A low correlation was found between B. proteoclasticus abundance and C18:0/(TVA+C18:0) (p = 0.910). The changes of fermentation over time suggested a role of GO in delaying the fermentation process and maintaining a relatively modest change of ruminal environment. The inhibitory effects of GO on the final step of biohydrogenation may be related to its antibacterial activity against B. proteoclasticus and other unknown bacteria involved.

• Proceedings of the Korea Institute of Convergence Signal Processing
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• 2001.06a
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• pp.21-24
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• 2001

For very large multimedia traffic to be supported successfully in wireless network environment, it is necessary to provide Quality-of-Service(QoS) guarantees between mobile hosts(clients). In order to guarantee the Qos, we have to keep the call blocking probability below target value during handoff session. However, the QoS negotiated between the client and the network may not be guaranteed due to lack of available channels for traffic in the new cell, since mobile clients should be able to continue their on-going sessions. In this paper we propose a efficient load-balancing algorithm based on the adaptive bandwidth reservation scheme for enlarging available channels in a cell. We design a new method to predict the mobility of clients using MPT(mobility profile table). This method is then used to reserve a part of bandwidths for handoff calls to its adjacent cells and this reserved bandwidth can be used for handoff call prior to new connection requests. If the number of free channels is also under a low threshold value, our scheme use a load-balancing algorithm with a adaptive bandwidth reservation. In order to evaluate the performance of our algorithm, we measure the metrics such as the blocking probability of new calls and dropping probability of handoff calls, and compare with other existing schemes.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2008.05a
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• pp.685-688
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• 2008

Planar antennas are very efficient for the use of the out-door data transmission applications due to their low-profile characteristics. But the size of the antenna in UHF band blocks the practical usage. In this paper, a miniaturized planar antenna is investigated for the application of AMR system in UHF band. The designed antenna is fabricated in the form of the microstrip patch on the FR-4 substrate. The miniaturization is achieved by slot-loading on the patch. First, effects of simple slots on the size reduction are analyzed, followed by the design using more complex slots resulting in the reduction ratio of 37.9% in 425.6 MHz and bandwidth of 3.8 MHz. The effect of epoxy coating for the protection is also investigated.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.14 no.3
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• pp.547-551
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• 2010

In this paper, Double rectangular patch with 4-bridges is investigated for solution of IEEE 802.11b/g(2.4GHz) and 802.11a(5.7GHz). Rectangular patch for 5.7GHz frequency band is printed on the PCB substrate and connected to another rectangular patch for 2.4GHz frequency band with 4-bridges to obtain dual band operation in a antenna element. The proposed antenna has a low profile and is fed by $50{\Omega}$ coaxial line. The dielectric constant of the designed antenna substrate is 3.27. Two rectangular patches have each resonance frequencies that are 2.4GHz and 5.7GHz. A dual-band characteristic is shown as connecting two rectangular patch using four bridges. Also, the proposed antenna is shown input return loss that is below -10dB at 2.4GHz and 5.7GHz of WLAN(Wireless LAN).

• Asian-Australasian Journal of Animal Sciences
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• v.30 no.9
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• pp.1292-1302
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• 2017

Objective: This experiment was conducted to investigate the influence of rapeseed meal (RSM) supplementation in weaning pig diet on growth performance, blood profile, carcass characteristics and economic analysis on weaning to finishing pigs. Methods: A total of 120 cross bred ([Yorkshire${\times}$Landrace]${\times}$Duroc) weaning pigs were allotted to 5 treatments in a randomized complete block design. Each treatment had 4 replications with 6 pigs per pen. Five different levels of RSM (0%, 2%, 4%, 6%, and 8%) were used as dietary treatments. Results: Overall, no treatment showed significant differences in growth performance with increased dietary RSM levels. The concentration of blood urea nitrogen (BUN) decreased as dietary RSM levels increased in 6 weeks (linear response, p<0.01). Total cholesterol, high density lipoprotein cholesterol, low density lipoprotein cholesterol, triiodothyronine, and thyroxine showed no significant differences, neither were there any significant differences in the immune response (IgG and IgA). As the dietary RSM levels of weaning pig diet were increased, no differences were found among dietary treatments upon performing proximate analyses of the pork after finishing. The influence of RSM supplementation on nutrient digestibility and nitrogen retention were not affected by dietary RSM levels either. With increased dietary RSM levels in the weaning pig diet, no differences among dietary treatments were found after performing proximate analyses of the pork's physiochemical properties. In addition, there were no significant differences observed in pork colors, pH levels, and economic benefits. Conclusion: Consequently, this experiment demonstrated that weaning pig's diet containing RSM influenced BUN concentration, but there were no detrimental effects on the growth performance of weaning pigs with up to 8% RSM in the diet.

• Journal of Biosystems Engineering
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• v.37 no.1
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• pp.44-50
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• 2012

Purpose: The characteristics of in-transit vibration stress and possible damage to packaged apples were examined. Methods: A simulated transportation environment with a specific power density profile was used for vibration impact experiments to determine the resulting decrease in packaged apple quality. Apples with or without vibration stress were stored at low temperature ($5{\pm}0.8^{\circ}C$, 75-85% relative humidity) for 30 days. Statistically significant differences (p ${\leq}$ 0.05) were found between apples with and without vibration stress for concentration of oxygen ($O_2$; 11.2% and 14.1%, respectively; initially $29{\pm}0.4%$), carbon dioxide ($CO_2$; 26.4% and 21.8%; initially $1{\pm}0.2%$), and ethylene (79.4 ${\mu}LL^{-1}$ and 55.6 ${\mu}LL^{-1}$; initially $14.1{\pm}0.6{\mu}LL^{-1}$) in the headspace of a gas-collecting container after 30 days of storage. Results: Significant differences were also measured for apples with and without vibration stress with respect to soluble solid content (15.4% and 14.9%, respectively; initially $12.9{\pm}0.8%$ and $13.1{\pm}1.1%$), weight loss (10.1% and 8.2%), and firmness (139.7 kPa and 163.3 kPa; initially $213.8{\pm}6.2$ kPa and $209.1{\pm}7.9$ kPa) after 30 days of storage. Conclusions: The vibration stress clearly accelerated the degradation of apple quality during storage, resulting in increased weight loss, soluble solid content, and headspace $CO_2$ and ethylene production, and decreased firmness and headspace $O_2$.

• Journal of Korea Society of Industrial Information Systems
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• v.17 no.7
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• pp.35-41
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• 2012

To control screen door installed in the subway platform, geared BLDC motors have been being used. However, because of the geared mechanisms, the control profile of the screen door in slow speed is very poor. Moreover, geared mechanism tends to leads system malfunctions and low efficiency. To overcome those problems, in this paper, the techniques of developing hi-efficiency direct drive gearless PMAC motor controller and application example to control the screen door of subway platforms are proposed. The developed system has advantages that; the energy efficiency has been increased by adopting gearless PMAC motor; the system break-down factor has been decreased due to the actuator mechanism has been simplified. In this paper, the screen door control system structure, PMAC motor drive circuit design, implementations of vector control algorithm, and test results are shown.

• The Journal of Korean Institute of Electromagnetic Engineering and Science
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• v.16 no.1 s.92
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• pp.1-8
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• 2005

This paper proposes a new type of a dual-band internal antenna for GPS/PCS handsets. The antenna has three monopoles in different lengths, and this structure is referred as a 3-fingers type antenna in this paper. The antenna with low-profile structure is designed to use internal space of handset maximally. The fabrication and the measurement are accomplished by attaching the 3-finger type antenna to the inside of a commercial handset. We obtain gain of 1.97 dBi$\~$0.66 dBi in the GPS band, and -0.92 dBi$\~$1.02 dBi in the PCS band and almost omni-directional patterns at all bands.

• The Journal of the Korea institute of electronic communication sciences
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• v.11 no.2
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• pp.145-150
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• 2016

The capability of accurate positioning and tracking is necessary to implement an unmanned autonomous driving system. The moving-baseline GPS Technique is a promising candidate to mitigate positioning errors of conventional GPS system. It provides accurate positioning data based on the phase difference between received signals from multiple GPS antennas mounted on the same platform. In this paper, we propose a dual-band dual-circularly-polarized antenna suitable for the moving-baseline GPS. The proposed antenna operates at GPS L1 and L2 bands, and fed by the side of the antenna instead of the bottom. The antenna is firstly designed by calculating theoretical values of key parameters, and then optimized by means of 3D full-wave simulation software. Simulation and measurement results show that the optimized antenna offers 6.1% and 3.7% bandwidth at L1 and L2, respectively, with axial ratio bandwidth of more than 1%. The size of the antenna is $73mm{\times}73mm{\times}6.4mm$, which is small and low-profile.