• Asia-Pacific Journal of Business
• /
• v.11 no.3
• /
• pp.63-77
• /
• 2020

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

• The Journal of the Institute of Internet, Broadcasting and Communication
• /
• v.23 no.2
• /
• pp.15-20
• /
• 2023

Recently, digitalization is accelerating in all industries, and the use of information and personal information produced and used in the process of it is very important for the success or failure of a company. However, malicious attempts to steal or leak major information and personal information of a company as an adverse effect continue to increase, and appropriate defense and response are absolutely necessary. However, in the case of small and medium-sized enterprises, the priority of information protection and the possession of professional manpower are very insufficient compared to large enterprises. This paper studies the certification and audit implemented in Korea, and suggests ways to expand the certification of the information protection system suitable for SMEs and improve the effectiveness of the support system through the expansion of the privacy law notification standard and operation of support system.

• Journal of Families and Better Life
• /
• v.14 no.4
• /
• pp.191-202
• /
• 1996

This research applied an attachment theory to the study of three generations of women. Questionnaire and semistructured interview techniques were employed to collect the data on intergenerational mother-daughter relationships from 140 triads of adolescent daughters middle-aged mothers an old-aged grandmothers. The focus of the study had been on the characteristics of attachment patterns which is measured by sense of attachment and autonomy across and within generations and their effects on personal well-being. Women in each their three generations perceived a high and seminilar level of attachment across and within the generations. On the other hand the level of autonomy differed by the generations with middle-aged mothers showing a higher level of perceived sense of autonomy than other two generations. Although the levels of attachment and autonomy were related to psychological well-being the level of autonomy was slightly more related to it. The results also showed that not nly one's own attachment toward mother/daughter but attachment of others toward herself were associated with the personal well-being. Overall this study reflects and supports the basis concepts of mother-daughter attachment: its continuity reciprocity and personal development in adulthood.

• ETRI Journal
• /
• v.30 no.3
• /
• pp.432-440
• /
• 2008

In this paper, a user-friendly mobile photo album system and albuming functions to support it are introduced. Stand-alone implementation in a mobile device is considered. The main idea of user-friendly photo browsing for albuming functions is to enable users to organize and browse their photos along semantically meaningful axes of events, personal identities, and categories. Experimental results demonstrate that the proposed method would be sufficiently useful and efficient for browsing personal photos in mobile environment.

• Nutrition Research and Practice
• /
• v.1 no.1
• /
• pp.42-45
• /
• 2007

Rapid integration of information technology into health care systems has included the use of highly portable systems-in particular, personal digital assistants (PDAs). With their large built-in memories, fast processors, wireless connectivity, multimedia capacity, and large library of applications, PDAs have been widely adopted by physicians and nurses for patient tracking, disease management, medical references and drug information, enhancing quality of health care. Many health-related PDA applications are available to both dietetics professionals and clients. Dietetics professionals can effectively use PDAs for client tracking and support, accessing to hospital database or information, and providing better self-monitoring tools to clients. Internship programs for dietetics professionals should include training in the use of PDAs and their dietetics applications, so that new practitioners can stay abreast of this rapidly evolving technology. Several considerations to keep in mind in selecting a PDA and its applications are discussed.

• 제어로봇시스템학회:학술대회논문집
• /
• 2005.06a
• /
• pp.98-100
• /
• 2005

This paper, proposes concept of personal robot middleware core also called streaming layer. Based on openness and portability, the streaming layer is proposed in order to meet requirements of different kinds of applications. The streaming layer architecture provides effective management of data flows and allows integration of different systems with ease regardless software of hardware platform. With extensibility support additional features can be build in without affect to performance. Therefore, heterogeneous network support, real-time communications, embedded boards support can be easily achieved. In order to achieve high performance together with portability into different platforms, the most functions has to be implemented in C language, while critical parts, such as scheduling, priority assignment has to be made using native functions of tested platforms.

• Journal of Families and Better Life
• /
• v.24 no.4 s.82
• /
• pp.37-50
• /
• 2006

The purpose of this study is to analyze the determinants of financial behaviors and subjective economic well-being in personal financial education through research targeted at adults. The results indicated by the research can be summarized as follows. First, there was a significant difference found in the changes of financial behaviors in accordance with the types of financial education programs, the time period, and the methods of financial education. Second, financial behaviors were higher when participating in profit financial education programs or in workplace financial education programs. Additionally, the increase was higher when participating in long-term programs. Third, the positive effects on subjective economic well-being were financial behaviors, participation in profitable financial education programs, unmarried and income level.

• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.26 no.3
• /
• pp.745-756
• /
• 2016

As infringement accidents of personal information have often occurred and estimates of damages are too large, the government introduces many certifications related with personal information management system for protecting personal information. Among them, PIMS and PIPL share many points in common, so many complaints about duplicate regulation have been suggested. This study evaluates the duplication of two certifications in order to examine redundancy between PIMS and PIPL both of which have been controversial.

• ETRI Journal
• /
• v.40 no.1
• /
• pp.146-155
• /
• 2018

This study aimed to examine predictors of the intention to protect personal information on Facebook. We conducted an online survey of 679 Facebook users in the Republic of Korea. The findings of this study showed that usefulness and ease of use had significant effects on attitudes toward protection behavior. The results also revealed that risk factors (privacy risk severity and vulnerability) had significant effects on protective behaviors. Based on our findings, we discussed the information protection of privacy on Facebook.

• Journal of Families and Better Life
• /
• v.10 no.2
• /
• pp.179-190
• /
• 1992

The purpose of this study was to investigate the importance of personal information at family purchasing behavior. For this purpose, 300 questionnaires were distributed to the housewives in Seoul. The data were analyzed by Frequency. Percentage, Mean , x2-Test, t-Test, Anova, Duncan's Multiple Range Test. The results were as follows; 1) According to the age of respondent. the content and number of information sources had differences significantly. 2) According to the employment status of respondent and family income, the evaluation of goods had differences significantly. 3) According to the content and number of information sources. the evaluation after purchase had differences significantly. Through these result, the availability of personal information as a house hold resource was identified.