• 한국재난정보학회 논문집
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• 제11권1호
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• pp.121-133
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• 2015

리스크 전가와 리스크 재무기법으로 많이 활용되는 전통적인 상업보험은 이자, 도박성, 불확실성을 내포하고 있다. Islamic Fiqh Academy는 1985년 전통적 상업보험이 이슬람 교리에 어긋난다고 판결하고 금지하였으며 대체방안으로 상호보험이나 타카풀보험을 권고하였다. 타카풀보험제도의 기본운영원리는 이슬람 공동체의 상호부조이다. 타카풀보험회사는 타카풀보험펀드를 설정하여 타카풀보험참가자(보험계약자)들의 위험관리를 위한 공동의 펀드로 운용하며 이는 타카풀보험회사의 주주펀드와 분리되어 운영된다. 타카풀보험회사는 단순히 타카풀보험계약을 관리하고 타카풀보험펀드를 투자하는 대리인 또는 운영자(operator)의 역할을 할 뿐이다. 타카풀보험은 전통적인 보험과 달리 보험운영 이익배당권, 임원선임권, 회계장부열람권이 부여된다. 따라서 국내기업이나 개인들은 리스크전가목적을 달성하는 한편 추가적인 혜택을 위하여 타카풀보험의 활용을 고려해야 한다.

• Animal cells and systems
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• 제15권2호
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• pp.131-138
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• 2011

Redox regulation is one of the ubiquitous mechanisms to modulate ion channels. We here investigated how 5,5'-dithio-bis (2-nitrobenzoic acid), a cysteine specific oxidizing reagent, modulates $Ca_v3.1$ and $Ca_v3.2$ T-type $Ca^{2+}$ channels expressed in Xenopus oocytes. Application of the reagent inhibited $Ca_v3.1$ and $Ca_v3.2$ currents in a dose-dependent manner. The oxidizing reagent (1 mM) reduced the peak amplitude of $Ca_v3.1$ and $Ca_v3.2$ currents by ~50% over 2-3 minutes and the decreased currents were fully recovered upon washout of it. The reagent slowed the activation and inactivation kinetics of $Ca_v3.1$, $Ca_v3.2$, and $Ca_v3.3$ channel currents. Notably, the reagent positively shifted both activation and steady-state inactivation curves of $Ca_v3.1$, while it did not those of $Ca_v3.2$. Utilizing chimeric channels from $Ca_v3.1$ and $Ca_v3.2$, we localized the domains III and IV of $Ca_v3.1$ responsible for the positive shifts of channel activation and steady-state inactivation. These findings provide hints relevant to the electrophysiological and molecular mechanisms accounting for the oxidative regulation of T-type channels.

• Journal of Audiology & Otology
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• 제23권4호
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• pp.175-180
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• 2019

Diagnosis of pre-lingual hearing loss (HL) is difficult owing to the high number of genes responsible. The most frequent cause of HL is DFNB1 due to mutations in the GJB2 gene. It represents up to 40% of HL cases in some populations. In Iran, it has previously been shown that DFNB1 accounts for 16-18% of cases but varies among different ethnic groups. Here, we reviewed results from our three previous publications and data from other published mutation reports to provide a comprehensive collection of data for GJB2 mutations and HL in northern Iran. In total, 903 unrelated families from six different provinces, viz., Gilan, Mazandaran, Golestan, Ghazvin, Semnan, and Tehran, were included and analyzed for the type and prevalence of GJB2 mutations. A total of 23 different genetic variants were detected from which 18 GJB2 mutations were identified. GJB2 mutations were 20.7% in the studied northern provinces, which was significantly higher than that reported in southern populations of Iran. Moreover, a gradient in the frequency of GJB2 mutations from north to south Iran was observed. c.35delG was the most common mutation, accounting for 58.4% of the cases studied. This study suggests that c.35delG mutation in GJB2 is the most important cause of HL in northern Iran.

• 대한청각학회지
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• 제23권4호
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• pp.175-180
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• 2019

Diagnosis of pre-lingual hearing loss (HL) is difficult owing to the high number of genes responsible. The most frequent cause of HL is DFNB1 due to mutations in the GJB2 gene. It represents up to 40% of HL cases in some populations. In Iran, it has previously been shown that DFNB1 accounts for 16-18% of cases but varies among different ethnic groups. Here, we reviewed results from our three previous publications and data from other published mutation reports to provide a comprehensive collection of data for GJB2 mutations and HL in northern Iran. In total, 903 unrelated families from six different provinces, viz., Gilan, Mazandaran, Golestan, Ghazvin, Semnan, and Tehran, were included and analyzed for the type and prevalence of GJB2 mutations. A total of 23 different genetic variants were detected from which 18 GJB2 mutations were identified. GJB2 mutations were 20.7% in the studied northern provinces, which was significantly higher than that reported in southern populations of Iran. Moreover, a gradient in the frequency of GJB2 mutations from north to south Iran was observed. c.35delG was the most common mutation, accounting for 58.4% of the cases studied. This study suggests that c.35delG mutation in GJB2 is the most important cause of HL in northern Iran.

• Animal Bioscience
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• 제37권3호
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• pp.405-418
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• 2024

In recent years, there has been a growing argument attributing the primary cause of global climate change to livestock industry, which has led to the perception that the livestock industry is synonymous with greenhouse gas (GHG) emissions. However, a closer examination of the global GHG emission by sector reveals that the energy sector is responsible for the majority, accounting for 76.2% of the total, while agriculture contributes 11.9%. According to data from the Food and Agriculture Organization of the United Nations (FAO), the total GHG emissions associate with the livestock supply chain amount to 14.5%. Within this, emissions from direct sources, such as enteric fermentation and livestock manure treatment, which are not part of the front and rear industries, represent only 7%. Although it is true that the increase in meat consumption driven by global population growth and rising incomes, has contributed to higher methane (CH₄) emissions resulting from enteric fermentation in ruminant animals, categorizing the livestock industry as the primary source of GHG emissions oversimplifies a complex issue and disregards objective data. Therefore, it may be a misleading to solely focus on the livestock sector without addressing the significant emissions from the energy sector, which is the largest contributor to GHG emissions. The top priority should be the objective and accurate measurement of GHG emissions, followed by the development and implementation of suitable reduction policies for each industrial sector with significant GHG emissions contributions.

• Archives of Plastic Surgery
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• 제37권2호
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• pp.129-136
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• 2010

Purpose: Anatomically, the foot is provided with insufficient blood supply and is relatively vulnerable to venous congestion compared to other parts of the body. Soft tissue defects are more difficult to manage and palliative treatments can cause hyperkeratosis or ulcer formation, which subsequently requires repeated surgeries. For weight bearing area such as the heel, not only is it important to provide wound coverage but also to restore the protective senses. In these cases, application of flaps for hind foot reconstruction is widely recognized as an effective treatment. In this study, we report the cases of soft tissue reconstruction for which various types of flaps were used to produce good results in both functional and cosmetic aspects. Methods: Data from 37 cases of hind foot operation utilizing flaps performed between from June 2000 to June 2008 were analyzed. Results: Burn related factors were the most common cause of defects, accounting for 19 cases. In addition, chronic ulceration was responsible for 8 cases and so forth. Types of flaps used for the operations, listed in descending order are radial forearm free flap (18), medial plantar island flap (6), rotation flap (5), sural island flap (3), anterolateral thigh free flap (2), lattisimus dorsi muscular flap (2), and contra lateral medial plantar free flap (1). 37 cases were successful, but 8 cases required skin graft due to partial necrosis in small areas. Conclusion : Hind foot reconstruction surgeries that utilize flaps are advantageous in protecting the internal structure, restoring functions, and achieving proper contour aesthetically. Generally, medial plantar skin is preferred because of the anatomical characteristics of the foot (e.g. fibrous septa, soft tissue for cushion). However alternative methods must be applied for defects larger than medial plantar skin and cases in which injuries exist in the flap donor / recipient site (scars in the vicinity of the wound, combined vascular injury). We used various types of flaps including radial forearm neurosensory free flap in order to reconstruct hind foot defects, and report good results in both functional and cosmetic aspects.

• 한국물환경학회지
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• 제29권6호
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• pp.847-851
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• 2013

This study describes the results of an investigation conducted in order to characterize the quantity and quality of individual gray water streams. The highest pollutants concentrations were found in gray water originating from kitchen and laundry with $BOD_5$ concentrations in the order of several hundreds $mgl^{-1}$. In contrast to this, bathroom was regarded as a major contributor of Escherichia coli. Laundry gray water has higher pH, sodium, sulfate, anionic surfactants. Individual gray water types had different contribution to the overall daily discharge and relative pollutants loads. Kitchen, although accounting for only 13% of the total volume, was identified as a major source of microorganisms with Total coliforms, Escherichia coli, Fecal streptococcus taking up 82%, 74% and 54% of their relative daily load, respectively. The laundry gray water, although being responsible for 36% of the total daily discharge, was established as a significant contributor of sodium, sulfate, anionic surfactants and TOC (70%, 72%, 84% and 52%, respectively). But the laundry gray water was a minor source of microorganisms. Bathroom was found to be a major gray water producer, making up 51% of the flow, but constituted less than 50% of the relative daily load in most cases.

• 한국구조물진단유지관리공학회 논문집
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• 제27권3호
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• pp.58-70
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• 2023

본 연구는 소규모 노후 건축물을 대상으로 현행 법 제도적 한계와 문제점을 파악하고 관리대상, 관리조직, 예산 측면의 개선방안을 도출하고자 하였다. 이를 위해 관련 법령인 「건축물관리 조례」, 「건축 조례」에서 규정하는 안전점검 대상, 지역건축안전센터의 안전관리 업무 및 조직 구성, 건축안전특별회계의 재원 조성 등에 관한 사항을 조사하였다. 또한, 전국 지방자치단체를 대상으로 지역건축안전센터 및 건축안전특별회계의 설치 및 운영에 대한 현황을 분석하여 법적 규제에 기반하여 현 안전관리 실태를 진단하였다. 결과적으로 점검대상 측면에서 법적 안전점검 대상에 포함되지 않는 안전관리 사각지대 건축물이 존재한다는 문제점을 도출하였고, 관리 조직 및 예산 측면에서 지역건축안전센터의 운영을 위한 전문인력 확보의 어려움과 건축안전특별회계 운용을 위한 재원 부족으로 설치 및 운영에 대한 한계를 파악하였다. 해당 문제에 대한 개선 안으로 소규모 노후 건축물의 점검 대상 범위 확대에 따른 안전관리 사각지대 축소, 전문인력 보수 규정 개선 및 준전문 인력 양성, 재원 확보를 위한 이행강제금 최소 비율 규정 및 건축허가 수수료의 단계적 상향 조정 등을 제시하였으며 이를 바탕으로 소규모 노후 건축물 안전관리 효율성 제고에 기여하고자 하였다.

• 무역상무연구
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• 제31권
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• pp.27-56
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• 2006

Today's financial institutions usually take environmental issues seriously into consideration as they could not evade lender liability in an increasing number of cases. On the international scene, a brand-new concept of the "Equator Principles" in the New Millenium has driven more and more international banks to adopt these Principles in project financing. Sustainable development has been a key word in understanding new trends of the governments, financial institutions, corporations and civic groups in the 21st century. The Equator Principles are a set of voluntary environmental and social guidelines for sustainable finance. These Principles commit bank officers to avoid financial support to projects that fail to meet these guidelines. The Principles were conceived in 2002 on an initiative of the International Finance Corporation(IFC), and launched in June 2003. Since then, dozens of major banks, accounting for up to 80 percent of project loan market, have adopted the Principles. Accordingly, the Principles have become the de facto standard for all banks and investors on how to deal with potential social and environmental issues of projects to be financed. Compliance with the Equator Principles facilitates for endorsing banks to participate in the syndicated loan and help them to manage the risks associated with large-scale projects. The Equator Principles call for financial institutions to provide loans to projects under the following circumstances: - The risk of the project is categorized in accordance with internal guidelines based upon the environmental and social screening criteria of the IFC. - For Category A and B projects, borrowers or sponsors are required to conduct a Social and Environmental Assessment, the preparation of which must meet certain requirements and satisfactorily address key social and environmental issues. - The Social and Environmental Assessment report should address baseline social and environmental conditions, requirements under host country laws and regulations, sustainable development, and, as appropriate, IFC's Environmental, Health and Safety Guidelines, etc. - Based on the Social and Environmental Assessment, Equator banks then make agreements with borrowers on how they mitigate, monitor and manage the risks through a Social and Environmental Management System. Compliance with the plan is included in the covenant clause of loan agreements. If the borrower doesn't comply with the agreed terms, the bank will take corrective actions. The Equator Principles are not a mere declaration of cautious banks but a full commitment of lenders. A violation of the Principles in the process of project financing, which led to an unexpected damage to the affected community, would not give rise to any specific legal remedies other than ordinary lawsuits. So it is more effective for banks to ensure consistent implementation of the Principles and to have them take responsible measures to solve social and environmental issues. Public interests have recently mounted up with respect to environmental issues on the occasion of the Supreme Court's decision (2006Du330) on the fiercely debated reclamation project at Saemangeum. The majority Justices said that the expected environmental damages like probable pollution of water and soil were not believed so serious and that the Administration should continue to implement the project seeking ways to make it more environment friendly. In this case, though the Category A Saemangeum Project was carried out by a government agency, the Supreme Court behaved itself as a signal giver to approve or stop the environment-related project like an Equator bank in project financing. At present, there is no Equator bank in Korea in contrast to three big banks in Japan. Also Korean contractors, which are aggressively bidding for Category A-type projects in South East Asia and Mideast, might find themselves in a disadvantageous position because they are generally ignorant of the environmental assessment associated with project financing. In this regard, Korean banks and overseas project contractors should care for the revised Equator Principles and the latest developments in project financing more seriously. It's because its scope has expanded to the capital cost of US$10 million or more across all industry sectors regardless of developing countries or not. It should be noted that, for a Korean bank, being an Equator bank is more or less burdensome in a short-term period, but it must be conducive to minimizing risks and building up good reputation in the long run.

• Pediatric Infection and Vaccine
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• 제18권1호
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• pp.31-39
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• 2011

목 적 : 급성 화농성 관절염 및 골수염은 성인에 비해 소아에서 비교적 흔히 볼 수 있는 질환으로 진단 및 치료가 지연되거나 부적절할 경우 만성적인 후유증을 초래할 수 있다. 본 연구에서는 최근 6년간 우리나라 2개 대학병원에서 경험한 급성 관절염 및 골수염의 원인균과 임상 양상을 분석하였다. 방 법: 2003년 6월부터 2009년 7월까지 지역사회에서 발생한 급성 화농성 골관절염으로 서울대학교 어린이 병원과 분당 서울대학교병원에 입원한 15세 이하 환아들 중 혈액이나 관절액, 조직에서 시행한 세균 배양 검사상 원인균이 증명된 63례를 대상으로 하여 의무 기록을 후향적으로 분석하였다. 결 과:총 63명의 중앙 연령은 60개월이고, 남아는 35명, 여아는 28명으로 약 1.25:1의 비율을 보였다. 침범 부위 중 관절은 고관절을 침범한 것이 15례(37.5%) 로 다수를 차지하였고, 슬관절 7례(17.5%), 견관절과 주관절이 각각 4례(10%)에서 침범되었고, 골수 침범 부위는 대퇴골이 20례(33.9%), 경골이 13례(22%), 요골과 상완골이 각각 7례(11.9%)씩 차지하였다. 원인균 중 S. aureus가 49례로 77.8%를 차지하였고, 이 49례 중 MSSA가 41례(83.7%), MRSA는 8례(16.3%)를 나타내었다. GBS, Salmonella spp.는 각각 3례를 차지하였다. 한편 생후 1개월 미만의 신생아 4례중 3례에서 GBS가 동정되었다. 초기 항생제로는 1세대 cephalosporin 또는 nafcillin 단독 요법을 선택한 경우가 27례(42.9%)로 가장 흔했고 vancomycin을 포함한 경우는 총 9례 (14.3%)이었다. 총 63례 중 54례(85.7%)에서 합병증 없이 호전되었고, 만성 골수염, 성장판 손상, 관절 신전 장애, 재감염 및 재수술 등 합병증을 동반한 호전을 보인 경우가 9례(14.3%)이었고 사망례는 없었다. 결 론 : 지역사회에서 발생한 소아청소년 관절염 및 골수염의 가장 흔한 원인균은 S.aureus이고 이 중 MRSA 는 16.3%를 차지하므로 신중한 항생제 선택을 필요로 한다.