• Journal of Microbiology and Biotechnology
• /
• 제26권6호
• /
• pp.1087-1097
• /
• 2016

An intracellular lipase from Anoxybacillus flavithermus HBB 134 was purified to 7.4-fold. The molecular mass of the enzyme was found to be about 64 kDa. The maximum activity of the enzyme was at pH 9.0 and 50℃. The enzyme was stable between pH 6.0 and 11.0 at 25℃, 40℃, and 50℃ for 24 h. The K_m and V_max of the enzyme for pNPL substrate were determined as 0.084 mM and 500 U/mg, respectively. Glycerol, sorbitol, and mannitol enhanced the enzyme thermostability. The enzyme was found to be highly stable against acetone, ethyl acetate, and diethyl ether. The presence of PMSF, NBS, DTT and β-mercaptoethanol inhibited the enzyme activity. Hg²⁺, Fe³⁺, Pb²⁺, Al³⁺, and Zn²⁺ strongly inhibited the enzyme whereas Li⁺, Na⁺, K⁺, and NH₄⁺ slightly activated it. At least 60% of the enzyme activity and stability were retained against sodium deoxycholate, sodium taurocholate, n-octyl-β-D-glucopyranoside, and CHAPS. The presence of 1% Triton X-100 caused about 34% increase in the enzyme activity. The enzyme is thought to be a true lipase since it has preferred the long-chain triacylglycerols. The lipase of HBB 134 cleaved triolein at the 1- or 3-position.

• International Journal of Knowledge Content Development & Technology
• /
• 제11권3호
• /
• pp.29-44
• /
• 2021

The study provides a quantitative and qualitative description of global research in the domain of quantum machine learning (QML) as a way to understand the status of global research in the subject at the global, national, institutional, and individual author level. The data for the study was sourced from the Scopus database for the period 1999-2020. The study analyzed global research output (1374 publications) and global citations (22434 citations) to measure research productivity and performance on metrics. In addition, the study carried out bibliometric mapping of the literature to visually represent network relationship between key countries, institutions, authors, and significant keyword in QML research. The study finds that the USA and China lead the world ranking in QML research, accounting for 32.46% and 22.56% share respectively in the global output. The top 25 global organizations and authors lead with 35.52% and 16.59% global share respectively. The study also tracks key research areas, key global players, most significant keywords, and most productive source journals. The study observes that QML research is gradually emerging as an interdisciplinary area of research in computer science, but the body of its literature that has appeared so far is very small and insignificant even though 22 years have passed since the appearance of its first publication. Certainly, QML as a research subject at present is at a nascent stage of its development.

• The Journal of Asian Finance, Economics and Business
• /
• 제8권5호
• /
• 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.

• The Journal of Asian Finance, Economics and Business
• /
• 제8권1호
• /
• pp.647-654
• /
• 2021

This study examines the non-performing loans of rural banks and macroeconomic factors in Indonesia, including inflation, exchange rates, and interest rates. Theoretically, the existence of erratic macroeconomic conditions can affect the level of non-performing credit risk in rural credit banks in Indonesia. The effect of macroeconomic conditions on non-performing loans has a different response for each economic sector. The main objective of this study is to determine the effect of macroeconomic factors (inflation, exchange rates, and interest rates) and bank-specific factors (credit) on the Non-Performing Loans (NPL) of Rural Banks in Indonesia for the period from January 2015 to December 2018. This study uses a Vector Error Correction Model (VECM) estimation to determine the effect of independent variables consisting of macroeconomic factors and bank-specific factors. Based on the estimation results of the Vector Error Correction Model, three variables that have a positive and significant effect on long-term non-performing loans are credit, inflation, and interest rates. Meanwhile, in the short term, there are only two variables that have a positive and significant effect on non-performing loans, namely, credit and interest rates. Inflation and exchange rate variables have a negative and insignificant effect on bad credit in the short term.

• The Journal of Asian Finance, Economics and Business
• /
• 제8권8호
• /
• pp.497-502
• /
• 2021

This study aims to investigate the determinants of default risk of rural banks in East Java, Indonesia. The method used is descriptive verification and logistic regression analysis. The data used is secondary in the form of monthly annual financial reports of rural banks in East Java during the period 2009-2018. From the results, it was shown that net interest margin (NIM) as a proxy of market risk, non-performing loan (NPL) as a proxy of credit risk, operation efficiency as a proxy of operational risk and return on assets (ROA) as a proxy of profitability have a significant influence on default risk. Meanwhile, the loan to deposit (LDR) ratio as a proxy of liquidity risk has no significant influence on default risk. Banks need to implement risk management and meet the capital adequacy requirements of regulators so that they are resistant to risk, and also, compliant with bank governance to be able to produce high returns for rural banks have an impact on sustainability and its existence. The ability to identify setbacks in bank conditions and the ability to distinguish between healthy and problematic banks will enable to anticipate default banks.

• The Journal of Asian Finance, Economics and Business
• /
• 제8권1호
• /
• pp.741-750
• /
• 2021

The research aims to analyze the level of efficiency by grouping banks during the period 2017 - 2018 into category 1 and category 2 banks and then dividing them as Regional Development Banks (BPD) and Non-BPD Conventional Commercial Banks (BUK) within each category. The research objects are banks within the categories BPD and BUK comprised 18 BPDs and 35 BUKs. The research methodology uses 3 stages, first, using Data Envelopment Analysis (DEA) we measure the level of bank efficiency; second, using the Tobit regression model we evaluate the effect of financial performance on DEA efficiency, and third, using the Mann-Whitney test we determine whether there is a difference in the efficiency of category 1 and 2 banks. The results showed that there was a decrease in the efficiency of category 1 and 2 banks but on average, the efficiency of category 1 banks is higher than category 2 banks. The estimation results of the Tobit regression model show that only the ROA variable affects the efficiency level of category 1 banks, while category 2 banks are influenced by NPL and ROA variables. In the Mann-Whitney test, it was proven that there were differences in efficiency between BUK and BPD in category 1 and 2 banks.

• The Journal of Asian Finance, Economics and Business
• /
• 제9권2호
• /
• pp.185-191
• /
• 2022

The purpose of this research is to see if liquidity, non-performing assets, sensitivity, and efficiency have an impact on the profitability and capital of Indonesian state-owned banks. A random sample of public banks was used in this study. The data was collected from the first quarter of 2014 to the fourth quarter of 2019. Purposive sampling was used as the sampling technique. According to the findings of this study, liquidity (LDR) had a significant positive effect on capital but had no significant effect on profitability. Productive asset quality as proxied by the ACA and NPL ratios did not affect profitability or capital. As for the sensitivity ratio, which was proxied by the ratio of NOP and IRR, there were differences in behavior. Sensitivity had no significant impact on profitability or capital, while NOP had a significant positive impact on capital but not on profitability. In terms of efficiency, both OER and FBIR had a significant effect on profitability and capital, although in different directions. OER has a significant negative impact on both profitability and capital. Fee-based income (FBIR) had a significant positive impact on capital, but it had the opposite effect on profitability.

• 한국마이크로전자및패키징학회:학술대회논문집
• /
• 한국마이크로전자및패키징학회 2001년도 Proceedings of 6th International Joint Symposium on Microeletronics and Packaging
• /
• pp.45-47
• /
• 2001

Due to pressure from threatened legislation in Europe, consumer and governmental pressure in Japan, and glob머 market considerations in the US, there is a rapidly growing interest in lead-free solderinger, Although the move to lead free soldering seems inevitable, many problems will arise in production assembly. It is generally acknowledged that the lead-free solders available offer a much s smaller process window than lead/tin, related mainly to the higher soldering temperatures which naturally result from increases of liquidus temperatures of at least 300 C. However, raising reflow temperatures from the current 220-2300 C to 250 2600 C will lead to problems with the boards and components as well as i increasing oxidation effects. There is a need to keep reflow temperatures low without reducing solderablity. Some results on benefits of inert atmospheres are discussed in this paper. For example, testing in a nitrogen atmosphere, with 300 ppm oxygen, by the N National Physical Laboratory (NPU has revealed clear benefits for ine$\pi$mg lead-free alloys, by restoring the solderability to lead/tin levels, by enabling lower soldering temperatures. However, there has been little testing over a range of oxygen levels in nitrogen and this is an important issue in determining n nitrogen supply and oven costs. Some results are reported here from work by NPL conducted for BOC in w which solderability was evaluated for tin기ead and tin/silver/copper eutectic a alloys in a wetting balance over a range of oxygen levels form 10 ppm to 21% ( (air). The studies confirm that acceptable wetting times occur in inert atmospheres a at soldering temperatures 20 to 300 C lower than are possible in air.

• 국제초고층학회논문집
• /
• 제8권2호
• /
• pp.107-116
• /
• 2019

The use of computational fluid dynamics (CFD) is becoming an increasingly popular means to model wind flows in and around buildings. The first published application of CFD to both indoor and outdoor building airflows was in the 1970's. Since then, CFD usage has expanded to include different aspects of building design. Wind tunnel testing (WTT) on buildings for wind loads goes back as far as 1908. Gustave Eiffel built a pair of wind tunnels in 1908 and 1912. Using these he published wind loads on an aircraft hangar in 1919 as cited in Hoerner (1965 - page 74). The second of these wind tunnels is still in use today for tests including building design ($Damljanovi{\acute{c}}$, 2012). The Empire State Building was tested in 1933 in smooth flow - see Baskaran (1993). The World Trade Center Twin Towers in New York City were wind tunnel tested in the mid-sixties for both wind loads, at Colorado State University (CSU) and the [US] National Physical Laboratory (NPL), as well as pedestrian level winds (PLW) at the University of Western Ontario (UWO) - Baskaran (1993). Since then, the understanding of the planetary boundary layer, recognition of the structures of turbulent wakes, instrumentation, methodologies and analysis have been continuously refined. There is a drive to replace WTT with computational methods, with the rationale that CFD is quicker, less expensive and gives more information and control to the architects. However, there is little information available to building owners and architects on the limitations of CFD for flows around buildings and communities. Hence building owners, developers, engineers and architects are not aware of the risks they incur by using CFD for different studies, traditionally conducted using wind tunnels. This paper will explain what needs to happen for CFD to replace wind tunnels. Ultimately, we anticipate the reader will come to the same conclusion that we have drawn: both WTT and CFD will continue to play important roles in building and infrastructure design. The most pressing challenge for the design and engineering community is to understand the strengths and limitations of each tool so that they can leverage and exploit the benefits that each offers while adhering to our moral and professional obligation to hold paramount the safety, health, and welfare of the public.

• 문화기술의 융합
• /
• 제8권1호
• /
• pp.435-440
• /
• 2022

본 연구는 부동산가격변동이 우리나라 은행의 건전성에 미치는 영향을 다중회귀모형을 이용하여 분석하였다. 분석 결과, 부동산가격변동은 대출의 증가를 통해 은행의 고정이하여신비율을 유의하게 증가시키는 것으로 나타났다. 거시경제변수 중에서 단기금리는 은행의 BIS 자기자본비율, 고정이하여신비율 및 유동성커버리지비율 등 모든 건전성 지표에 유의한 영향을 미치는 것으로 나타났다. 은행특성지표 중에서 대출증가율은 BIS 자기자본비율에 유의한 음(-)의 영향을 미치고, 부동산담보대출비율은 유의한 양(+)의 영향을 미치는 것으로 나타났다. 또한 고정이하여신비율은 BIS 자기자본비율에 유의한 음(-)의 영향을 미치고 유동성커리지비율은 BIS 자기자본비율에 유의한 음(-)의 영향을 미치는 것으로 나타났다.