• Proceedings of the Korean Operations and Management Science Society Conference
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• 1992.04b
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• pp.403-412
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• 1992

This note examines a situation where a risk-neutral insurer and a risk-averse individual (prospective insured) negotiate to reach an arbitration point of the price of insurance over the terms of an insurance contract in order to maximize their respective self-interests. The situation is modeled as a Nash bargaining problem. We analyze the dependence of the price of insurance, which is determined by the Nash solution, on the parameters such as the size of insured loss, the probability of a loss, the degree of risk-aversion of the insured, and the riskiness of loss distribution.

• The Journal of the Korea Contents Association
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• v.20 no.10
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• pp.326-337
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• 2020

The purpose of this study is to analyze the effect of social participation types on cognitive impairment degree(normal, mild, severe cognitive function) by urban and rural difference. The research was performed by multinomial logistic regression with the data of elderly 5,668 over 55 years of age from the sixth wave(2016) and the seventh wave(2018) of the Korean Longitudinal Study of Ageing. Results show that social participation reduces the risk of cognitive impairment on both urban and rural older adults regardless of types, but the types of social participation, which are effective to reduce the risk of cognitive impairment, are different between urban and rural area. According to residential area, types of social participation, which are effective to decline the risk of being mild or severe cognitive impairment and the risk of being severe cognitive impairment relative to mild, are different. These findings suggest that, in order to prevent cognitive impairment and reduce the severity, social participation is strongly recommended and appropriate supports are required. This implies policy and intervention efforts considering the urban and rural difference are needed.

• Journal of the Korean Society of School Health
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• v.22 no.2
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• pp.37-47
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• 2009

Purpose : To find degree of internet addiction of rural elementary school students and to assess the relationship of them to the health promoting behaviors in a rural area in chungnam province. Method : Children's grade, sex and their internet habits, and family background and internet addiction records, health promoting behavior scores of 5th and 6th grade of elementary school students. Self-recorded questionnaire surveys from 2nd December to December 20, 2008, and total 393 data were analysed. Results : The results of this study were summarized as follows: 1. The internet risk group of 5th and 6th grade of rural elementary school students were 18.3%. 2. Place of major using internet were home in 84.6% of male and using internet time were more than 2hours per day and major purpose of internet was game(72.9%) than female. 3. Significant negative correlation between the degree of internet addiction and the health promoting behavior(r=-0.245. p=0.000) 4. Health promoting behavior score was 138.24${\pm}$18.64 in internet non-addictive group and 126.66${\pm}$16.81 in potential risk group, 124.60${\pm}$19.85 in high risk group 5. As a result of multiple regression analysis, degree of internet addiction, school record, health status, concern to health of the students by the parents were related to the health promoting behavior and these provided predicted 21.7%.. Conclusion : The internet addiction risk group need for the health education including health promoting behavior and counseling for treatment of internet addiction.

• Journal of Dental Anesthesia and Pain Medicine
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• v.22 no.6
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• pp.405-417
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• 2022

Oral lichen planus (OLP) is a chronic inflammatory immune-mediated condition that has been identified as a potentially malignant oral disorder. Various therapies have been proposed for its management as alternative to corticosteroids. However, no definitive treatment has been identified that can result in complete remission or minimal recurrence. Hyaluronic acid has recently been used as an alternative therapy for the management of OLP. This study aimed to systematically review the effectiveness of Hyaluronic acid in the management of symptomatic OLP. Online electronic databases and manual searches were performed for randomized controlled trials (RCTs) published in English between January 2010 and April 2022. RCTs were identified that compared the efficacy of hyaluronic acid and other interventional therapies at baseline and during follow-up. The Cochrane Risk of Bias tool was used to assess the quality of the included studies. Visual analog scale (VAS) scores, Thongprasom sign scores, lesion size, degree of erythema, clinical severity, and disease severity were assessed both quantitatively and qualitatively. Seven studies were analyzed. Five studies reported a high risk of bias while the remaining two studies reported an unclear risk of bias. The overall quantitative assessment of size, symptoms, degree of erythema, and sign score in OLP lesions treated with HA was not statistically significant compared to that in the control group (P > 0.05). In addition, subgroup analysis comparing HA with placebo or corticosteroids did not yield statistically significant (P > 0.05) results. Qualitatively, both HA and tacrolimus resulted in an effective reduction in signs and symptoms. Clinical/disease severity index/scores were inconsistent. A high degree of heterogeneity was observed among the included studies. None of the included studies reported the side effects of HA. These findings suggest that corticosteroids, tacrolimus, placebo, and HA could be equally effective in OLP management. The clinical/disease severity index or score reduction cannot be determined with certainty. Thus, OLP can be treated with HA as an alternative therapy. Owing to limited clinical trials on HA, high heterogeneity, and high risk of bias in the included studies, definitive conclusions cannot be derived.

• The Journal of the Korea Contents Association
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• v.10 no.10
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• pp.378-388
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• 2010

This study examines Korean tourists visiting China as to their perceived familiarity, and its impacts on the degree of preference toward China as a tourism destination, perceived risk, and the preferred tourist activities. A survey was conducted to the Korean tourists departing to China at the In-Cheon international airport, which results in collecting 305 usable questionnaires. The results show that the perceived familiarity toward China positively affects the degree of preference to China as a tourism destination. As to the impacts of familarity on the perceived risks, the results reveal that the degree of familarity is negatively associated with several risk perceptions. Lastly, the degree of perceived familiarity is positively related to the one type of preferred tourist activity, visiting nature historical sites. The results of this study support the role of familiarity as a significant factor in understanding other tourist perceptions.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.839-850
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• 2021

Risk-adjusted return is believed to be one of the optimal parameters to determine an optimum portfolio. A risk-adjusted return is a calculation of the profit or potential profit from an investment that takes into account the degree of risk that must be accepted to achieve it. This paper presents a new procedure in portfolio selection and utilizes these results to optimize the risk level of risk-adjusted Islamic stock portfolios. It deals with the weekly close price of active issuers listed on Jakarta Islamic Index Indonesia for a certain time interval. Overall, this paper highlights portfolio selection, which includes determining the number of stocks, grouping the issuers via technical analysis, and selecting the best risk-adjusted return of portfolios. The nominated portfolio is modeled using Quadratic Programming (QP). The result of this study shows that the portfolio built using the lowest Value at Risk (VaR) outperforms the market proxy on a risk-adjusted basis of M-squared and was chosen as the best portfolio that can be optimized using QP with a minimum risk of 2.86%. The portfolio with the lowest beta, on the other hand, will produce a minimum risk that is nearly 60% lower than the optimal risk-adjusted return portfolio. The results of QP are well verified by a heuristic optimizer of fmincon.

• Journal of the Korean Society of Costume
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• v.42
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• pp.43-58
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• 1999

The purpose of this study was to investigate the effect of perceived risk and product express-ive self-image on the consumer's adoption of casua hanbok. A questionnaire was developed and data colle-cted from 269 women in Pusan. Data were analyzed to investigate the relation-ship among purchase intention perceived risk and product epressive self-image. Marketing implication about risk reduction was discussed. The results of this study were as follows. 1. Consumer's perceived risk on adoption o casual hanbok classified into four factors They were the risk on the confirmation of advantage of casual hanbok the risk on the negative viewpoint of others the risk on the complexity of dressing and care and the risk on the shortcoming of casual hanbok. It was explained that casual hanbok is innovative product. 2. According to the level of adoption of casual hanbok. consumers were categorized into three groups i.e. adopter potential adopter rejector. They differed in the degree of risk perception age and subjective knowledge redlated to casual hanbok. 3. Consumer's subjective knowledge age and two types of risk has predicting power to the purchase intention. Consumer's subjective knowledge was the best predicted factor and risk perception was negatively related to purchase intention. 4. The significant differences among the categ-orized consumer group was founded in the ideal self image and product expressive self-image 5. The gap of perception between ideal self-image and product expressive self-image was significantly different in each categorized consumer groups.

• Journal of Technology Innovation
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• v.14 no.3
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• pp.183-208
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• 2006

Mobile banking is one of the most representative services applied to the mobile technology. However, there are few recent studies about the user acceptance of mobile banking, and prior studies only have been related to the positive effects of the service acceptances such as e-commerce and Internet banking service. The purpose of this research is to grasp the particular risk essentials in mobile banking which customers perceive, and the risk degree of user recognition which affect customer intention to adopt mobile banking through the exploratory research. The perceived risk is segmented into the performance risk, financial risk, time risk, social risk (or psychological risk), and privacy risk based on Cunningham's research (1967) and other recent studies. In the Unified Theory of Acceptance and Use of Technology (UTAUT), we have attempted to determine how different perceived risks have influence on the mobile banking adoption intentions of both the mobile banking users and potential users. The results indicate that performance expectancy, effort expectancy, and social influence have positive influences on the intention to use mobile banking service while perceived risk has a negative influence on the intention to use and performance expectancy.

• Korean Journal of Human Ecology
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• v.1 no.1
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• pp.126-142
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• 1998

The purpose of this study was to investigate the relationship between perceived risk and purchasing behavior of clothing gift among adult women. Data were collected from 258 adult women reside in Kwangiu who have ever been to purchase clothing gift during recent six months using a qusetionaire. Frequency Analysis, Factor Analysis, Correlation Analysis, T-test were carried out in the collected data. The findings were as follows; 1. The types of risks that respondents perceived when they purchased clothing gift were identified as practical-economic risk, the social-psychological risk, the fashionable risk and the time-refunding risk. 2. The higher the self-satisfaction motivation was, the higher the social-psychological risk and the higher the practical motivation was, the higher the practical-economic risk (P<.001). 3. The degree of the perceived risks of the Low Planning Group was higher than that of the High Planning Group (P＜.001). 4. When the respondents perceived social-psychological risk high, they considered brand, fashionability, and store type as more important selective criteria and when the practical-economic risk perceived high, practicality, store service were conidered more important (P＜.05). 5. When respondents perceived social-psychological and fashionable risk high, they used both personal information and non-personal information high (P<.01). (Korean J Human Ecology 1(1) : 126∼142, 1998)

• Information Systems Review
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• v.19 no.4
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• pp.87-110
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• 2017

Analyzing and finding the risk factors in information technology (IT) projects have been discussed because risk management is an important issue in IT project management. This study obtained the risk factor checklists with priorities, analyzed the causal relationship of risk factors, and determined their influences on IT project management. However, only few studies systematically classified IT project risk factors in terms of risk exposure. These studies considered both the probability of occurrence and the degree of risk simultaneously. The present study determined 53 IT project risk factors on the basis of literature and expert group discussions. Additionally, this study presented clustering analysis based on the data of 140 project managers. The IT project risk factor classification framework was divided into four areas (HIHF, HILF, LIHF, and LILF). The present results can be used to help IT project managers establish effective risk management strategies and reduce IT project failures. This study also provides academic implication because it considers both the probability of occurrence and the degree of influence of risk factors.