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Influence of Credit on the Income of Households Borrowing from Banks: Evidence from Vietnam Bank for Agriculture and Rural Development, Kien Giang Province

  • Quang Vang, DANG;Viet Thanh Truc, TRAN;Hieu, PHAM;Van Nam, MAI;Quoc Duy, VUONG
    • The Journal of Asian Finance, Economics and Business
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    • v.10 no.2
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    • pp.257-265
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    • 2023
  • This paper investigates the determinants of credit accessibility and the effect of credit on the income of farm households borrowing from Vietnam Bank for Agriculture and Rural Development, Giong Rieng District Branch, Kien Giang Province. Based on the primary data of 200 farming households who are the customer of the bank, the study applied the Probit regression model to examine determinant factors of credit accessibility of farm households and employed the Propensity score matching method to investigate the impact of credit on households' income. The findings of the Probit regression shown that three independent variables that significantly influence the access to credit of households are household size, income source, and farm size. Besides that, the Propensity score matching method results showed a difference of 23.799 million VND/year between the income of borrowing households and that of non-borrowing households at the significance level of 1%. The difference in the imcome from the interval and central matching methods are VND 24.700 million VND/year and VND 24.633 million VND/year, respectively. Given empirical findings suggetsted that several recommendations to increase the credit accessibility of farm households, thereby creating favorable conditions for improving their income.

A Performance Comparison of Block-Based Matching Cost Evaluation Models for FRUC Techniques

  • Kim, Jin-Soo;Kim, Jae-Gon
    • Journal of information and communication convergence engineering
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    • v.9 no.6
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    • pp.671-675
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    • 2011
  • DVC (Distributed Video Coding) and FRUC (Frame Rate Up Conversion) techniques need to have an efficient motion compensated frame interpolation algorithms. Conventional works of these applications have mainly focused on the performance improvement of overall system. But, in some applications, it is necessary to evaluate how well the MCI (Motion Compensated Interpolation) frame matches the original frame. For this aim, this paper deals with the modeling methods for evaluating the block-based matching cost. First, several matching criteria, which have already been dealt with the motion compensated frame interpolation, are introduced and then combined to make estimate models for the size of MSE (Mean Square Error) noise of the MCI frame to original one. Through computer simulations, it is shown that the block-based matching criteria are evaluated and the proposed model can be effectively used for estimating the MSE noise.

Color matching between monitor and mobile display device using improved S-curve model and RGB color LUT (개선된 S-curve 모델과 RGB 칼라 참조표를 이용한 모니터와 모바일 디스플레이 장치간 색 정합)

  • 박기현;이명영;이철희;하영호
    • Proceedings of the IEEK Conference
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    • 2003.11a
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    • pp.15-18
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    • 2003
  • This paper proposes a color matching 3D look-up table simplifying the complex color matching procedure between a monitor and a mobile display device. In order to perform color matching, it is necessary to process color of image in the device independent color space like CIEXYZ or CIELAB. We improved the S-curve model to have smaller characterization error than tolerance error. Also, as a result of the experiments, we concluded that the color matching look-up table with 64(4$\times$4$\times$4) is the smallest size allowing characterization error to be acceptable.

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A New Stereo Matching Using Compact Genetic Algorithm (소형 유전자 알고리즘을 이용한 새로운 스테레오 정합)

  • 한규필;배태면;권순규;하영호
    • Proceedings of the IEEK Conference
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    • 1999.06a
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    • pp.474-478
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    • 1999
  • Genetic algorithm is an efficient search method using principles of natural selection and population genetics. In conventional genetic algorithms, however, the size of gene pool should be increased to insure a convergency. Therefore, many memory spaces and much computation time were needed. Also, since child chromosomes were generated by chromosome crossover and gene mutation, the algorithms have a complex structure. Thus, in this paper, a compact stereo matching algorithm using a population-based incremental teaming based on probability vector is proposed to reduce these problems. The PBIL method is modified for matching environment. Since the Proposed algorithm uses a probability vector and eliminates gene pool, chromosome crossover, and gene mutation, the matching algorithm is simple and the computation load is considerably reduced. Even if the characteristics of images are changed, stable outputs are obtained without the modification of the matching algorithm.

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The Algorithm of Brightness Control Disparity Matching in Stereoscopic (스테레오 스코픽에서 밝기 조정 정합 알고리즘)

  • Song, Eung-Yeol;Kim, Young-Seop
    • Journal of the Semiconductor & Display Technology
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    • v.8 no.4
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    • pp.95-100
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    • 2009
  • This paper presents an efficient disparity matching, using sum of absolute difference (SAD) and dynamic programming (DP) algorithm. This algorithm makes use of one of area-based algorithm which is the absolute sum of the pixel difference corresponding to the window size. We use the information of the right eye brightness (B) and the left eye brightness to get an best matching results and apply the results to the left eye image using the window go by the brightness of the right eye image. This is that we can control the brightness. The major feature of this algorithm called SAD+DP+B is that although Root Mean Square (RMS) performance is slightly less than SAD+DP, due to comparing original image, its visual performance is increased drastically for matching the disparity map on account of its matching compared to SAD+DP. The simulation results demonstrate that the visual performance can be increased and the RMS is competitive with or slightly higher than SAD+DP.

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Recognition of Cursive Korean Characters Using DP Matching and Fuzzy Theory (DP 매칭과 퍼지 이론을 이용한 흘림체 온라인 한글인식)

  • 심동규;함영국;박래홍
    • Journal of the Korean Institute of Telematics and Electronics B
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    • v.30B no.4
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    • pp.116-129
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    • 1993
  • This paper proposes an on-line Recognition scheme of cursive Korean characters based on the DP matching and fuzzy concept. The proposed algorithm, invariant to rotation and size, reduces greatly the computational requirement of dynamic programming by matching phonemes rather than character patterns, where the angle difference and the ration of lengths between input and reference patterns are adopted as matching features. The correct matching of poorly written cursive characters becomes possible by introducing the fuzzy concept in representing the features of phonemes and the ralative position between adjacent phonemes. Computer simulation results are observed to show the effectiveness of the proposed algorithm.

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Fast Variable-size Block Matching Algorithm for Motion Estimation Based on Bit-patterns (비트패턴 기반 움직임 추정을 위한 고속의 가변 블록 정합 알고리즘)

  • Kwon, Heak-Bong;Song, Young-Jun
    • The Journal of the Korea Contents Association
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    • v.3 no.2
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    • pp.11-18
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    • 2003
  • In this paper, we propose a fast variable block matching algorithm for motion estimation based on bit-patterns. Motion estimation in the proposed algorithm is peformed after the representation of image sequence is transformed 8-bit pixel values into 1-bit ones by the mean pixel value of search block, which brings a short searching time by reducing the computational complexity. Moreover, adaptive searching methods according to the motion information of the block make the procedure of motion estimation efficient by eliminating unnecessary searching processes of low motion block and deepening a searching procedure in high motion block. Experimental results show that the proposed algorithm provides bettor performance - average 0.5dB PSNR improvement and about 99% savings in the number of operations - than full search Hock matching algorithm with a fixed block size.

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A Comparative Assessment of Hydrogen Facility Installation for Net-Zero Energy District Planning (제로에너지단지의 적정 수소 활용 규모 및 운용방식에 관한 연구)

  • Junoh Kim;Chulhee Kim;Soyeon Chu
    • New & Renewable Energy
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    • v.19 no.3
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    • pp.1-12
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    • 2023
  • This study aims to evaluate the optimal size of the hydrogen facility to be installed in a zero-energy district in terms of load matching and facility efficiency. A mismatch between energy generation and consumption is a common occurrence in zero-energy districts. This mismatch adversely effects the energy grid. However, using an energy carrier such as hydrogen can solve this problem. To determine the optimal size of hydrogen fuel cells to be used on-site, simulation of hydrogen installation is required at both district-and building- levels. Each case had four operating schedules. Therefore, we evaluated eight scenarios in terms of load matching, heat loss, and facility operational efficiency. The results indicate that district-level installation of hydrogen facilities enables more efficient energy use. Additionally, based on the proposed model, we can calculate the optimal size of the hydrogen facility.

A Fast String Matching Scheme without using Buffer for Linux Netfilter based Internet Worm Detection (리눅스 넷필터 기반의 인터넷 웜 탐지에서 버퍼를 이용하지 않는 빠른 스트링 매칭 방법)

  • Kwak, Hu-Keun;Chung, Kyu-Sik
    • The KIPS Transactions:PartC
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    • v.13C no.7 s.110
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    • pp.821-830
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    • 2006
  • As internet worms are spread out worldwide, the detection and filtering of worms becomes one of hot issues in the internet security. As one of implementation methods to detect worms, the Linux Netfilter kernel module can be used. Its basic operation for worm detection is a string matching where coming packet(s) on the network is/are compared with predefined worm signatures(patterns). A worm can appear in a packet or in two (or more) succeeding packets where some part of worm is in the first packet and its remaining part is in its succeeding packet(s). Assuming that the maximum length of a worm pattern is less than 1024 bytes, we need to perform a string matching up to two succeeding packets of 2048 bytes. To do so, Linux Netfilter keeps the previous packet in buffer and performs matching with a combined 2048 byte string of the buffered packet and current packet. As the number of concurrent connections to be handled in the worm detection system increases, the total size of buffer (memory) increases and string matching speed becomes low In this paper, to reduce the memory buffer size and get higher speed of string matching, we propose a string matching scheme without using buffer. The proposed scheme keeps the partial matching result of the previous packet with signatures and has no buffering for previous packet. The partial matching information is used to detect a worm in the two succeeding packets. We implemented the proposed scheme by modifying the Linux Netfilter. Then we compared the modified Linux Netfilter module with the original Linux Netfilter module. Experimental results show that the proposed scheme has 25% lower memory usage and 54% higher speed compared to the original scheme.

Absorption Properties according to Particle Size of Ferrite in EM Wave Absorber for Mobile Phone (휴대전화용 전파흡수체에 있어서 페라이트 입자 크기의 제어에 따른 전파흡수특성)

  • 송재만;김동일;김수정;옥승민;김보영;박우근;이영구;윤현진;김기만
    • The Journal of Korean Institute of Electromagnetic Engineering and Science
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    • v.14 no.3
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    • pp.290-295
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    • 2003
  • In this study, we investigated the effect of particle size of Mn-Zn ferrite which is used as a material of electromagnetic wave absorber on electromagnetic wave properties. With increasing the particle size, the matching frequency is shifted toward lower frequency and the absorption ability of electromagnetic wave is decreased. We suggest that a sheet-type ferrite absorber composed of Mn-Zn ferrite with large particle is useful to compare with it composed of small particle size for mobile phone.