• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.403-411
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• 2021

This paper discusses the relationship between debt literacy, peer-to-peer lending, and over-indebtedness in Indonesia. It is essential because the number of loans on this platform continues to increase, both legal and illegal. Data was collected online in collaboration with commercial market research firms, JajakPendapat.net. Debt literacy and over-indebtedness were measured by self-assessment with questions from Lusardi and Tufano (2009a). Questions for debt literacy are about interest compounding, debt interest, and the application of time value of money in payment options. The question for over-indebtedness is about the amount of debt and the conditions resulting from that debt. By using descriptive methods, it is clear that the majority of respondents, both borrowers and non-peer-to-peer lending borrowers are debt illiterate, and those who have poor debt literacy have huge debt. Overall, only 1.85% of the respondents were debt literate. Those who live on the island of Java have better literacy because they are the center of economic growth in Indonesia. Debt from peer-to-peer (P2P) lending also has the potential to create problems, namely over-indebtedness. P2P lending borrowers also have very poor debt literacy. However, there is no difference in debt literacy between P2P lending borrowers and non-P2P lending borrowers.

• 한국건설관리학회논문집
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• 제22권4호
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• pp.59-65
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• 2021

2016년 "주택법 일부개정 법률안"과 "2018년 주거 종합수정계획" 이후 공동주택의 선분양 제도와 후분양 제도의 관심이 대두되고 있다. 본 연구에서는 공동주택의 선분양제도와 후분양제도의 장·단점을 비교하고, 후분양제도의 제도정책 기반을 수립하기 위해서 공공측면에서 공동주택의 입주자를 대상으로 설문 조사기법을 사용하고, 시간과 비용의 문제를 시계열 분석방법으로 분담금 납입 적정 시기를 제안하고자 한다. 이에 따라 기존이론과 문헌고찰을 통해서 공공기관과 민간기관의 후분양제도를 정리하고, 설문조사를 통해서 분양금 확보경로, 모델하우스의 제품정보, 후분양제도의 효과에 대한 인식도를 조사하였다. 후분양 기금지원 및 납부방식을 사용자 입장에서 기금융자 상한선을 높일 필요가 있고, 지역별 분양시장의 경제력을 고려한 운영이 필요하다. 60% 후분양과 80% 후분양 모두 1,000만원까지 수용가격대가 형성되어있고, 총 이율 환산 시 5.0%, 연리로는 60% 후분양 시 약 2.8%, 80% 후분양에서 약 2.1% 수준이므로 현행 3.1% 보다 낮은 이율이 필요하다. 연구는 공공기관 후분양아파트 입주자 표본 총 5,213가구를 대상으로 하는 인식조사로서 시장수급과 시장가격의 영향 등에 대한 시계열을 사용하여 실제 값을 분석한 자료이므로 민간공동주택 입주 예정자에 적용하는데 한계가 있다. 또한 최초입주자의 응답을 위해 최근 5년 내 입주한 5개 단지를 대상으로 설문조사를 실시하였다. 향후 조사 표본을 확대한다면 민간시장 가격에 일반화가 가능할 것이다.

• 지역사회간호학회지
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• 제8권2호
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• pp.314-326
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• 1997

In Korea, the nosocomial infection control program is not well developed. This situation is created by a lack of interest from medical personnel and the medical payment system. This study identifies current problems and develops a model for nosocomial infection control. The studies of Lee & Kim(1995), Lee (1993) and SENIC project model were used to construct this model. 1. The problems of nosocomial infection control were identified as the following: dis approval by hospital authorities, lack of sources for program direction, lack of overall structure and function in the program, inadequate direct action, lack of education and training, and so on. 2. The problems are reorganized according to the 5 elements of system theory. 3. As a result, the new nosocomial infection control model was developed. The inputs of the model were the elements, resources and boundaries of nosocomial infection. With the new model, each hospital can evaluate their current programs and plan a new program for the better control of nosocomial infection.

• 한국정보처리학회:학술대회논문집
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• 한국정보처리학회 2017년도 추계학술발표대회
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• pp.842-844
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• 2017

본 연구는 뷔페형 카페테리아 식당에서 근무하는 직원들이 계산 업무를 덜고 조리 업무에 집중하여 업무 성과, 직무만족도를 높일 수 있도록 돕는 카페테리아 무인계산시스템을 제안한다. 무인계산시스템의 작동과정은 크게 두 가지이다. 첫째, 식판을 가져오면 그 위의 음식들을 촬영하여 음식 부분의 ROI(Region of Interest, ROI) 이미지를 추출해낸다. 둘째, 미리 학습된 모델에 앞서 추출한 ROI 이미지를 입력하여 식판 위에 어떤 이미지들이 있는지 분석한다. 그 후 해당 음식과 가격을 GUI로 출력하여 사용자가 확인 후 결제할 수 있도록 한다.

• 전자통신동향분석
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• 제34권2호
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• pp.29-39
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• 2019

The interest in facial recognition technology has been growing with the advancement of AI technology. With a confirmed accuracy of over 99%, the areas of application of the technology have expanded, including smartphone unlocking, online payment authorization, building access management, and criminal apprehension. This indicates that the technology has effectively transitioned from laboratory to field applications. This study performs patent analysis to determine recent innovations and diffusion trends in facial recognition technology. Specifically, R&D activities involving facial recognition technology are investigated at both the country level and company level. Significant patents are also considered. This study contributes to R&D management teams by proposing useful plans and strategies.

• 무역상무연구
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• 제43권
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• pp.169-198
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• 2009

This paper sees some legal phases of the forfaiting transactions performed by using bills of exchange (drafts) or promissory notes. It focuses on the issues of the endorsement without recourse and the aval under the Korean statute for such negotiable instruments which is enacted by succeeding to the Convention Providing a Uniform Law For Bills of Exchange and Promissory Notes (Geneva, 1930) of the League of Nations. This paper purposes to give basic legal guides for forfaiting participants in order for them to be able to prevent and solve some problems caused by lack of understanding for relevant rules of law. Forfaiting is a useful technic as it provides financing for international export businesses by enabling forfaiters to discount future payment obligations on non-recourse basis. It gives benefits to exporters by removing political, transfer and commercial risks of importers or their country. Also it protects exporters from the risks of the increase of interest rates and the fluctuation of exchange rate as well. In traditionally normal forfaiting transactions, exporter of goods generally takes promissory notes or accepted drafts from importers in payment for the price of goods. Further, when the exporter is not comfortable with the importer's credit or is not confident whether the importer will pay the accepted drafts or the promissory notes as they come due, the exporter nomally requires the importer to make the importer's bank (avalizer or guarantor) add an aval, which is made by the written expression of intention, the words of "per aval", and the guarantor's signature on the drafts or promissory notes. The exporter endorses without recourse to transfer the drafts or the promissory notes to the forfaiter, typically a bank, who purchases the drafts or the promissory notes without recourse.

• 수산경영론집
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• 제46권2호
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• pp.93-110
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• 2015

This research examined the transformations of the fisheries relations between Japan and Russia since the establishment of the Exclusive Economic Zone (EEZ) system. The author reviewed the transformations with investigation on mutual fishing access to EEZ including salmon & trout catches. The Japan-Russia fisheries relations have evolved through multiple developmental stages, which include mutual fishing access to EEZ, the reductions of a fishing quota to balance catches of the nations, provision of financial and technical support, and a payment system of EEZ fishing access fee. The Japanese salmon industry also has done similar practices, continuing to catch salmon and trout in the Russian EEZ. Additionally, Japan and Russia have attempted to develop joint fisheries projects and to assure fishing operation safety around Kuril Islands. The case of Japan-Russia mutual fishing access shows that a country that has authority over crucial fisheries resources tends to establish specific conditions of mutual fishing access so that it maximizes its national interest. Thus, this case gives us implication what could be future directions of Korea-China-Japan multinational fishing access. The principle of same number of fishing vessels and quantities of catches has worked in existing mutual fishing access to EEZ among Korea, China, and Japan. However, it is expected that a nation that is endowed with abundant fisheries resources would limit counterpart's fishing access to its EEZ. Therefore, Korean fisheries administration should prepare for all possible situations like a dramatic cut in fishing quota and the termination of fishing access. International fisheries cooperation and payment of fishing access could be viable options for such a situation.

• 유통과학연구
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• 제16권12호
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• pp.47-56
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• 2018

Purpose - The potential use of cryptocurrencies in a retail environment proposes a rapid shift from the traditional financial system. Nakamoto(2008) defines Bitcoin as an open source alt-coin based on the blockchain technology. Luther(2016) insists that the new technology will be widely adopted for the digital payment processes. However, the use of Bitcoin is in the real world is still sparse. Despite the growing attention and purported benefits, it is doubtful whether the Bitcoin will be eagerly accepted by ordinary consumers in the mainstream market. To answer this question, this paper develops a causal model that has a dual path to explain the motivation to adopt Bitcoin. According to Glaser, Zimmermann, Haferkorn, Weber, and Siering(2014), Bitcoin is both an asset and a currency at the same time. In summary, the attitude towards Bitcoin may vary depending on whether the fin-tech product is viewed as an asset or as a currency. Based on the arguments, we propose that asset attitude and currency attitude will give influence to consumers' intention to adopt Bitcoin. Research design, data, and methodology - Quantitative data collection is conducted from a Bitcoin SIG(special interest group) working in an internet community. As a result, 192 respondents who know Bitcoin completed the survey. To analyze the causal relations in the research model, PLS-SEM(partial least squares structural equation modeling) method is used. Also, reliability and validity of measures are tested by performing Cronbach's alpha test, Fornell-Larcker test and confirmatory factor test. Results - Our test results show that every hypothesis is supported except the influence of perceived ease of use. In addition, we find that the relationships between constructs are different between the high innovative group and low innovative group. Conclusions - We provide evidence that asset attitude and currency attitude are key antecedents of Bitcoin adoption.

• Journal of Preventive Medicine and Public Health
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• 제33권2호
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• pp.150-156
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• 2000

Objective : To analyze the factors affecting the participation rate in the health screening program of medical insurance. Method : We investigated the factors associated with the participation rate in the health screening program in Korea. Data were collected at the aggregate level from 145 employee health insurance societies and 227 self-employed health insurance societies from 1995 to 1997 Data were also collected at the individual level from four health insurance societies. This study hypothesized that the participation rate of the health screening program was related to 1) the characteristics of its members and the size of the health insurance society; 2) the specifications of the health screening program; 3) the venue of the health screening institution and the interests of individuals in the health screening program; and 4) the activities of the health insurance society. We used bivariate and multiple regression models to examine the factors on the participation rate of the health screening program. Results : First, in the case of dependents of on employee health insurance society, the ratio of dependents 40 years old and over, the average monthly contribution per household, the interest and satisfaction level of individuals in health screening, and the level of refunds for over-payment were all associated with the participation rate in the health screening program, accounting for 54.4% of the participation rate. Second, in case of those insured by the self-employed health insurance society, the interest and satisfaction level of individuals in health screening, the level of refunds for over-payment, and the performance level of on-the-spot health screening were statistically significant, accounting for 40.1% of the participation rate. Conclusion : The factors concerning the participation rate in the health screening program of medical insurance, in both a health insurance society and for individuals, were closely related to the age and gender of individuals and household contributions.

• 산경연구논집
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• 제9권12호
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• pp.63-72
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• 2018

Purpose - In this study, it is classified the service quality dimension of mobile shopping app using Kano model. In addition, it is evaluated quality factors suitable for strategic management from the viewpoint of service provider through mobile application through binary dimension analysis. Research design, data, and methodology - In this study, seven quality dimensions such as information quality, reliability, immediacy, convenience, design, security and customer service were derived through related studies to make binary shopping quality app quality measurement. 37 sub-variables were set by each quality dimensions. Each questionnaire was composed of positive and negative items like Kano's proposed method, and the satisfaction coefficient suggested by Timko(1993) was examined to understand the influence of each factors on customer satisfaction. Results - As a result of research, shopping app users perceived unity quality factor in most items of service quality dimension such as information quality, reliability, immediacy, convenience and customer service. In addition, the satisfaction coefficient showed a good impression, quick response of the result, fast delivery, and the unsatisfactory coefficient showed more interest in personal information such as payment method safety, and transaction security. As a result of research, shopping app users perceived unity quality factor in most items of service quality dimension such as information quality, reliability, immediacy, convenience and customer service. And, in information quality, the information overload was classified as an apathetic quality component, while the related information provision belonged to an attractive quality component. In reliability quality, customized service provision was classified as an attractive quality component. In instant connectivity, the quality of the connection during transport was classified as an attractive quality component. In convenience quality, access to product information was classified as a one-way quality component. All components of designs quality were classified as attractive quality components, and in security quality, all of their components were all classified as one quality component. Lastly, in customer service, they components were all classified as a single quality component. In addition, the satisfaction coefficient showed a good impression, quick response of the result, fast delivery, and the unsatisfactory coefficient showed more interest in personal information such as payment method safety, and transaction security. Conclusion - In the online service environment, which is difficult to differentiate in terms of upward upgrading only by technological implementation and function, the results of this study can be suggested as a differentiating factor for major channels with customers rather than improve the brand image.