• Journal of Digital Convergence
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• v.17 no.9
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• pp.71-78
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• 2019

This study aims to identify good borrowers within the context of P2P lending. P2P lending is a growing platform that allows individuals to lend and borrow money from each other. Inherent in any loans is credit risk of borrowers and needs to be considered before any lending. Specifically in the context of P2P lending, traditional models fall short and thus this study aimed to rectify this as well as explore the problem of class imbalances seen within credit risk data sets. This study implemented an over-sampling technique known as Synthetic Minority Over-sampling Technique (SMOTE). To test our approach, we implemented five benchmarking classifiers such as support vector machines, logistic regression, k-nearest neighbor, random forest, and deep neural network. The data sample used was retrieved from the publicly available LendingClub dataset. The proposed SMOTE revealed significantly improved results in comparison with the benchmarking classifiers. These results should help actors engaged within P2P lending to make better informed decisions when selecting potential borrowers eliminating the higher risks present in P2P lending.

• The Journal of Society for e-Business Studies
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• v.15 no.4
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• pp.285-301
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• 2010

Peer-to-peer (P2P) lending is an open marketplace for loans not from bank but from individuals online. Financial transactions are facilitated directly between individuals ("peers") without any intermediation of a traditional financial institution. A market study by renowned research company forecasts that P2P lending will grow very fast and a couple of P2P lending sites in Korea also are getting attentions by providing the alternative financial services. In P2P lending market, Lender will enjoy higher income generated from the loans in the form of interest than interest that can be earned by financial products provided by official financial institutions. Furthermore, lenders are able to decide who they would lend the money for themselves. Meanwhile, borrowers with low credit scores are able to finance their liquidity requirement with low cost and convenient access to the Internet. The objective of this paper is to introduce P2P lending and its issues of information asymmetry. We provide the insights from the case study of one of P2P lending sites in Korea and review the issues in P2P lending market as research topics. Specifically, information asymmetry issues in both traditional financial institutions and P2P lending are discussed.

• The Journal of Information Systems
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• v.25 no.2
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• pp.79-110
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• 2016

Purpose Online Peer-to-peer lending (hereafter P2P lending), is a new method of lending money to unrelated individuals through an online financial intermediary. Usually in the online P2P transaction, individuals who would like to borrow money (hereafter borrowers) and those who would like to lend money (hereafter lenders) have no previous relationship. Based on enormous previous studies, this study develops an integrated model, particularly for the online P2P lending environment in China, to better understand the critical factors that influence lenders' intention to lend money through the online P2P lending platform. Design/methodology/approach In order to verify the hypotheses, we develop a questionnaire with 42 survey items. We measured all the items on a five-point Likert-type scale. We use Sojump.com to collect questionnaire and gather 246 valid responses from registered members of Renrendai.com. We analyzed the main survey data by using SPSS 18.0 and AMOS 20.0. We first estimated the reliability, validity, composite reliability and AVE and then conduct common method bias test. The mediating role of trust in platform and in borrower has been tested. Last we tested the hypotheses through the structural model. Findings The results reveal that service quality, information quality, structural assurance, awareness and reputation significantly impact lenders' trust in the online P2P lending platform. Second, awareness, reputation and perceived risk significantly impact lenders' trust in borrower and lending intention. Third, trust propensity has a positive effect on lenders' trust on borrower. Last, awareness, reputation, perceived risk, platform trust and borrower trust can directly impact lenders' lending intention.

• Culinary science and hospitality research
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• v.17 no.3
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• pp.65-75
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• 2011

The purpose of the study was to explore the relationship between satisfaction and future behavior intention of cafeteria users. Respondents of the research were cafeteria users in major colleges in Kyunggi province. A total of 300 questionnaires were distributed between October 1, 2010 and October 20, 2010 but only281 questionnaires were used for the analysis. Based on 14 selection attributes, factor analysis showed that the KMO value of 0.634, which was extracted by Verimax vertical rotation, and=610.084(p<0.001). In addition, the distributional explanation showed a total of 61.685%. Five factors were obtained as ingredients, food, menu, maintenance, and internal environment factors according to the feature of each variable. The Cronbach value according to confidence and validity tests was 0.703. The explanation was 16.3% and the influence on satisfaction included ingredients, maintenance, and internal environment. The effect on future behavior intention was significant at the level of p<0.001. This study has limitations in that it has generalized the findingson consumers of university cafeterias; therefore, follow-up studies must be conducted.

• Korean Journal of Microbiology
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• v.27 no.3
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• pp.216-220
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• 1989

As the bsic study about protoplast fusion of amylolytic fungus Aspergillus oryze and nonamyloytic sugar fermenter, Saccaromyces cerevsisae, the intraspecific protoplast fusion of A. oryzae was carried out and the properties of the obtained fusants were investigated. For protoplast fomation from mycellia of auxotrophs, Novozyme 234 as lytic enzyme was the most effective and optimal pH was determined to be pH 5.5-6.0. When the two types of protoplasts were treated with a fusogen including 30% PEG4000, they fused effectively and most of fusants were heterokaryons. Protoplasts aggregated with 30% PEG4000 after fusion treatment were observed by the microscope. Protoplast regeneration frequency was 1.46 to 13.8% and complementation frequency of fusion was 0.12 to 0.16. Fusant strains had a 1.5-fold DNA content compared to that of parent strain. And amylase activity was intermediate between those of parent strains.

• PNF and Movement
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• v.20 no.2
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• pp.179-187
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• 2022

Purpose: The purpose of this study was to determine the asymmetrical difference between the use of leg muscles on the surgical and non-surgical sides during initial lower extremity ergometer exercise after unilateral knee arthroplasty. Methods: Twelve elderly patients diagnosed with degenerative arthritis of the knee and who underwent unilateral arthroplasty were included in this study. The leg length of each subject was taken into account when setting the application distance of the lower extremity ergometer. The same pedal resistance, strength, and speed were used for all the subjects. The total angle of use of the ergometer (360°) was analyzed by dividing it into an extension section and a flexion section. Using a surface electromyography system, the activities of the muscles of the surgical and non-surgical sides were converted into maximal voluntary isometric contraction (MVIC) and analyzed using the paired t-test. Results: When the activities of the muscles on the surgical and non-surgical sides were compared, it was found that the rectus femoris and biceps femoris had significant differences in the flexion and extension sections (p < .05), and that the tibialis anterior significantly differed in the flexion section (p < .05). There was no significant difference in the extension section of the tibialis anterior muscle, or in the flexion and extension sections of the gastrocnemius (p >.05). Conclusion: The results of this study confirm that the rectus femoris, tibialis anterior, biceps femoris, and gastrocnemius on the surgical side act in an opposite manner to those on the non-surgical side during pedaling in the same section.

• Journal of Aquaculture
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• v.11 no.4
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• pp.421-428
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• 1998

This study was performed to determine the level of soybean meal (SM) or feather meal (FM) that could substitute for fish meal in fat cod(Hexagrammos otakii Jordan et Starks) diet. A control diet with fish meal as protein source was included. The amount of 5, 10, 15 and 20% of SM or FM substituted for fish meal in the control diet, respectively. Amino acids supplementation in the 20% SM diet was compared. In addition, combination of 5% SM, 5% corn gluten meal, 5% meat meal, 5% blood meal and 5% FM was substituted for fish meal in the control diet. Duplicate groups of the 40 fish averaging 21g were fed one of 11 isoproteic (45%) and isolipidic (15%) experimental diets to satiation twice a day for 2 months. No significant differences were found among fish fed the control, substituting up to 20% SM or 10% FM in weight gain, feed efficiency, daily feed intake, and protein efficiency ratio (P>0.05). It is concluded that SM or FM can be used as a partial substitute for fish meal up to 20% or 10% in the control diet, respectively.

• Korean Journal of Plant Resources
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• v.15 no.2
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• pp.128-134
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• 2002

Content of crude protein in both pileus and stalk increased progresively as growth period became longer and then decreased at old stage. Contents of ash and reducing sugars followed the same trend as that of the crude protein. However, content of crude lipid decreased as growth progressed more. Seventeen kinds of amino acid were detected in Lentinula. Content of total amino acid increased as mushroom grew more, but decreased after old stage. The amino acid such as Glu, His, Gly and Ala were contained with relatively large amount in Lentinula. Content of free amino acid showed the similar trends as that of total amino acid. Contents of most of the mineral increased as growth period progressed, but K content decreased as growth period became longer. Contents of K and P were much higher than contents of other mineral. The major fatty acid contained in Lentinula were linoleicacid, palmitic acid and oleic acid. The large amount of volatile component in Lentinula was 1-octen-3-ol, so that this material was speculated to be major source of perfume. Other perfumic materials such ethyl acetate, 3-octanone, ethanol, (E)-2-octenal, 4-octen-3-one, acetaldehyde, ethyl formate were also contained in Lentinula, especially in pilous.

• Korean Journal of Environmental Biology
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• v.26 no.3
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• pp.252-263
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• 2008

The purpose of this study was to determine trophic state, based on nutrients (TN, TP), transparency (SD), and chlorophyll-${\alpha}$ (Chl) and identify their empirical relations of TN-Chl, TP-Chl and Chl-SD depending on the dataset used along with dynamics of conductivity and suspended solids. Analysis of trophic states showed that more than half of 36 reservoirs were judged as eutrophic-hypertrophic conditions depending on the trophic variables. Seasonal values of TP varied by nearly 500% and showed greater in August than any other months. In contrast, TN varied within less than 90% and all monthly mean values of TN were never fall less than 1.2 mg L$^{-1}$ indicating low seasonal variations and high ambient concentrations (eutrophic-hypertrophic state). Analysis of empirical relations in the trophic variables showed that transparency had greater functional relations with Chl (R$^2$=0.31, p<0.001) than TP (R$^2$=0.15, p<0.001) and TN (R$^2$=0.20, p<0.001). Ratios of TN : TP in the ambient water indicated that most reservoirs showed a potential phosphorous limitation on the algal growth. Thus, algal biomass, based on Chl values, was more regulated by phosphorous than nitrogen. Analysis of linear regression model, based on log-transformed annual mean values, showed that only 30% in the variation of Chl was explained by TP (R$^2$=0.295, p=0.001, n=36) and 15% by TN (R$^2$=0.151, p=0.019, n=36). However, linear regression model, based on individual system, showed that Chl-TP model had strong positive relations (R$^2$=0.62, p=0.002, n=12), whereas the model had no any relations (p=0.892, n=12). Overall, our data suggested that averaging effect in the empirical model developments may influence the significance in the statistical analysis.

• Journal of Korean Society of Forest Science
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• v.99 no.3
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• pp.267-276
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• 2010

This study was performed to obtain basic data about vegetation structure and site environment of rare and endangered plant, viola websteri in five natural habitats. The dominant species of Hongcheon habitat were Pyrus pyrifolia (tree layer), Morus bombycis (subtree layer), Pyrus pyrifolia (shrub layer) and Isodon inflexus (herb layer). Mt. Yeonin habitat were dominated by Quercus mongolica (tree layer), Morus bombycis (subtree layer), Philadelphus schrenckii (shrub layer) and Viola websteri (herb layer). Mt. Yumyung habitat were dominated by Cornus controversa (tree layer), Morus bombycis (subtree layer), Fraxinus rhynchophylla (shrub layer) and Adenocaulon himalaicum (herb layer). Mt. Daebu habitat were dominated by Acer mono (tree layer), Staphylea bumalda (subtree layer), Staphylea bumalda(shrub layer) and Dryopteris crassirhizoma (herb layer). And the dominant species of Mt. Worak habitat were Larix leptolepis (tree layer), Fraxinus rhynchophylla (subtree layer), Alangium platanifolium var. macrophylum (shrub layer) and Adenocaulon himalaicum (herb layer). It was found out that the average acidity of soil pH was 5.23; 0.30ds/m for electron conductivity; 12.6% for organic matter content; 0.68% for total nitrogen; 21.66 ppm for available phosphorous; and 23.45 cmol(+)/kg for CEC. Interchangeable cation was decreased in order of $Ca^{2+}$ > $Mg^{2+}$ > $K^{2+}$. Viola websteri had positive association with Polygonatum odoratum var. pluriflorum and Geranium thunbergii but negative association with Poa sphondylodes. Species diversity index(H'), maximum Species diversity index (H' max), evenness(J') and dominance (1-J'), of investigated sites ranged 0.6816 (Mt. Worak)~0.9656 (Mt. Daebu), 1.0000 (Mt. Yeonin)~1.3010 (Hongcheon, Gangwon), 0.5330 (Mt. Worak)~0.8947 (Mt. Daebu) and 0.1053 (Mt. Daebu)~0.4670 (Mt. Worak) in woody layer and 1.0414 (Mt. Yumyung)~1.3295 (Mt. Worak), 1.4314 (Mt. Yumyung)~1.6435 (Mt. Daebu), 0.6984 (Hongcheon, Gangwon)~0.8356 (Mt. Worak) and 0.1644 (Mt. Worak)~0.3016 (Hongcheon, Gangwon) in herb layer, respectively.