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Financing Risk in Indonesian Islamic Rural Banks: Do Financing Products Matter?

  • WIDARJONO, Agus;ANTO, M.B. Hendrie;FAKHRUNNAS, Faaza
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.9
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    • pp.305-314
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    • 2020
  • This paper investigates the impact of profit and loss sharing (PLS) contracts on non-performing financing of Islamic rural banks as Islamic small banks focus on small and medium enterprises at province level across country. Our study employs panel data, consisting of 142 Islamic rural banks and using quarterly data from 2013Q1 to 2018Q4, and splits them based on the bank's size and geographical area. Both static and dynamic panel regressions are then applied. The results obviously indicate that a high proportion of profit and loss sharing contracts leads to high financing risk. The large Islamic banks encounter a higher non-performing financing stemming from profit and loss contracts compared to small Islamic banks. Profit and loss contracts also produce higher financing risk for Islamic banks outside Java, as those areas are less developed areas than Java itself. A more efficient Islamic bank is less financing risk. Income diversification lessens the impaired financing and, more particularly, large Islamic banks and Islamic banks located in Java much benefit by diversifying income and financing to lower financing risk. Our study suggests that Islamic rural banks may consider the optimal level of profit and loss sharing contracts to minimize financing risk.

Workplace Violence, Stress, and Turnover Intention among Perioperative Nurses (수술실 간호사의 폭력경험과 스트레스 및 이직의도)

  • Roh, Youn Ho;Yoo, Yang Sook
    • Korean Journal of Adult Nursing
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    • v.24 no.5
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    • pp.489-498
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    • 2012
  • Purpose: The purpose of the study was to identify reports of workplace violence, stress and turnover intention among perioperative nurses. Methods: The data were collected using questionnaire from 162 perioperative. Results: All of the nurses in the study reported incidents of violence within six months of the study. Doctors and specifically operating surgeons were cited as perpetrating workplace violence. The stated source of the violence was failure or shortage of surgical equipment or instrument and fall out of surgeon's preference. Subjects reported (87.7%) workplace abuse from nurses and most often from senior nurses. Nurse abuse was in the form of verbal abuse. Fatigue and stress stemming from heavy workload were cited as the source of the workplace violence. The subjects reported stress levels of 7.39 out of a possible ten points from workplace violence. A little more than thirty five percent of the subjects reported having intentions to leave because of workplace violence. These nurses reported higher level of stress and experienced more workplace violence from nurses and doctors as compared to those nurses who reported no turnover intention. Conclusion: The results of this study indicate that a third of the employed nurses reported wanting to leave their positions due to workplace violence. Workplace violence is a serious problem for nurses whether it is from physicians or from other nurses.

Determinants Impacting on Dependency of Mobile Instant Messenger, Barrier of Living, and Intention to take Digital Break: The Moderating Effect of Perceived Risk (모바일 인스턴트 메신저 의존, 생활 장애 및 디지털휴식의도에 영향을 미치는 요인: 지각된 위험의 조절효과에 관한 연구)

  • Park, Hyunsun;Kim, Sanghyun
    • The Journal of Information Systems
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    • v.23 no.3
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    • pp.25-46
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    • 2014
  • As the use of smartphone has rapidly spread into the current society, the mobile instant messenger applications such as Kakaotalk, Tiktok, and Line have become an indispensable part of our daily lives. While, the mobile instant messenger has brought us many positive changes, social problems stemming from the dependency on the mobile instant messenger has been occurred. The dependency of the mobile instant messenger can negatively affect daily lives and lead to stress or addiction. Therefore, it is very important to examine how we can prevent such dependency and addiction. In this respect, the purpose of this study is to investigate determinants impacting on the mobile instant messenger dependency, barrier of living, and intention to digital break. The statistical analysis of survey results shows that enjoyment, identity, relationship commitment, critical mass and ease of use are significantly related to mobile instant messenger dependency, while media richness is not significantly related. Mobile instant messenger dependency have a positive effect on barrier of living, which then has a positive effect on digital break. Lastly, the moderating effect of perceived risk is significant. This research suggests theoretical and business implications to prevent mobile instant messenger dependency.

Human Activity Recognition in Smart Homes Based on a Difference of Convex Programming Problem

  • Ghasemi, Vahid;Pouyan, Ali A.;Sharifi, Mohsen
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.11 no.1
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    • pp.321-344
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    • 2017
  • Smart homes are the new generation of homes where pervasive computing is employed to make the lives of the residents more convenient. Human activity recognition (HAR) is a fundamental task in these environments. Since critical decisions will be made based on HAR results, accurate recognition of human activities with low uncertainty is of crucial importance. In this paper, a novel HAR method based on a difference of convex programming (DCP) problem is represented, which manages to handle uncertainty. For this purpose, given an input sensor data stream, a primary belief in each activity is calculated for the sensor events. Since the primary beliefs are calculated based on some abstractions, they naturally bear an amount of uncertainty. To mitigate the effect of the uncertainty, a DCP problem is defined and solved to yield secondary beliefs. In this procedure, the uncertainty stemming from a sensor event is alleviated by its neighboring sensor events in the input stream. The final activity inference is based on the secondary beliefs. The proposed method is evaluated using a well-known and publicly available dataset. It is compared to four HAR schemes, which are based on temporal probabilistic graphical models, and a convex optimization-based HAR procedure, as benchmarks. The proposed method outperforms the benchmarks, having an acceptable accuracy of 82.61%, and an average F-measure of 82.3%.

Knowledge-based Herbal Database for the Treatment of Atopic Dermatitis (아토피피부염 치료를 위한 지식기반의 생약 데이터베이스)

  • Shin, Jee-Young;Bae, Hyun-Su;Hong, Mu-Chang;Shin, Min-Kyu;Kim, Yang-Seok
    • Journal of Physiology & Pathology in Korean Medicine
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    • v.24 no.6
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    • pp.1129-1133
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    • 2010
  • The treatment of Atopic dermatitis and its untapped herbal elements are recognized as possible solutions to incurable diseases stemming from overdosage of chemical drugs. Synthesizing clinical results from the Oriental medicine with scientific results from the field of Molecular biology is in the mainstream. The main goal of this research is, by objectifying the methodology of abstracting information into a compendium, to establish knowledge-based database on natural materials mingling every single related information from both Oriental and Western medicine. The constructed system, ATODERM, is the first database system about the medical herb for the treatment of Atopic Dermatitis which bearing the integrated information on Oriental medicine and Western medicine. The construction of this database renders new ways of treatment and prescriptions for researchers in the field of the Oriental medicine. Using the database that has been intensively accumulated, the possibility of creating the plausible cure for the disease can be anticipated.

Application of Probabilistic Health Risk Analysis in Life Cycle Assessment -Part I : A General Framework for Uncertainty and Variability Analysis of Health Risk in Life Cycle Assessment (전과정평가에 있어 확률론적 건강영향분석기법 적용 -Part I : 전과정평가에 있어 확률론적 위해도 분석기법 적용방안에 관한 연구)

  • Choi, Kwang-Soo;Park, Jae-Sung
    • Journal of Environmental Impact Assessment
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    • v.9 no.3
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    • pp.185-202
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    • 2000
  • Uncertainty and variability in Life Cycle Assessment(LCA) have been significant key issues in LCA methodology with techniques in other research area such as social and political science. Variability is understood as stemming from inherent variations in the real world, while uncertainty comes from inaccurate measurements, lack of data, model assumptions, etc. Related articles in this issues were reviewed for classification, distinguish and elaboration of probabilistic/stochastic health risk analysis application in LCA. Concept of focal zone, streamlining technique, scenario modelling and Monte Carlo/Latin Hypercube risk analysis were applied to the uncertainty/variability analysis of health risk in LCA. These results show that this general framework of multi-disciplinary methodology between probabilistic health risk assessment and LCA was of benefit to decision making process by suppling information about input/output data sensitivity, health effect priority and health risk distribution. There should be further research needs for case study using this methodology.

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A System Theory Approach to Social Support for Multi-cultural Families with a Focus on Formal Support Systems (다문화가족의 사회적 지지에 대한 체계론적 접근 - 공적 지원체계를 중심으로 -)

  • Hong, Sung-Hee
    • Journal of Family Resource Management and Policy Review
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    • v.19 no.1
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    • pp.23-47
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    • 2015
  • The purpose of this study was to investigate social workers' personal experiences providing social support to multi-cultural family in a multi-cultural family center. The data were collected through in-depth interviews with 14 social workers at the multi-cultural family center, and were analyzed using a phenomenological research method. The major findings were as follows : The social workers' personal experiences with and understanding of social support were classified as 4 categories : 'source of emotional support to the multi-cultural family', 'diverse and systematic educational support', 'excessive demands on material support', and 'daily life support and connection with community network'. The social workers recognized emotional and educational support as essential factors in providing social support to multi-cultural family. However, the social workers' perceptions of material support derived from negative personal experiences stemming from excessive demands and misunderstanding for material support. These results showed that social workers at the multi-cultural family center provided multi-cultural families with social support and that they interacted with community support system and multi-cultural families to increase their satisfaction.

Real time crack detection using mountable comparative vacuum monitoring sensors

  • Roach, D.
    • Smart Structures and Systems
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    • v.5 no.4
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    • pp.317-328
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    • 2009
  • Current maintenance operations and integrity checks on a wide array of structures require personnel entry into normally-inaccessible or hazardous areas to perform necessary nondestructive inspections. To gain access for these inspections, structure must be disassembled and removed or personnel must be transported to remote locations. The use of in-situ sensors, coupled with remote interrogation, can be employed to overcome a myriad of inspection impediments stemming from accessibility limitations, complex geometries, the location and depth of hidden damage, and the isolated location of the structure. Furthermore, prevention of unexpected flaw growth and structural failure could be improved if on-board health monitoring systems were used to more regularly assess structural integrity. A research program has been completed to develop and validate Comparative Vacuum Monitoring (CVM) Sensors for surface crack detection. Statistical methods using one-sided tolerance intervals were employed to derive Probability of Detection (POD) levels for a wide array of application scenarios. Multi-year field tests were also conducted to study the deployment and long-term operation of CVM sensors on aircraft. This paper presents the quantitative crack detection capabilities of the CVM sensor, its performance in actual flight environments, and the prospects for structural health monitoring applications on aircraft and other civil structures.

Experimental investigation of flow characteristics around four square-cylinder arrays at subcritical Reynolds numbers

  • Liu, Mingyue;Xiao, Longfei;Yang, Lijun
    • International Journal of Naval Architecture and Ocean Engineering
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    • v.7 no.5
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    • pp.906-919
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    • 2015
  • The Deep Draft Semi-Submersible (DDS) concepts are known for their favourable vertical motion performance. However, the DDS may experience critical Vortex-Induced Motion (VIM) stemming from the fluctuating forces on the columns. In order to investigate the current-induced excitation forces of VIM, an experimental study of flow characteristics around four square-section cylinders in a square configuration is presented. A number of column spacing ratios and array attack angles were considered to investigate the parametric influences. The results comprise flow patterns, drag and lift forces, as well as Strouhal numbers. It is shown that both the drag and lift forces acting on the cylinders are slightly different between the various L/D values, and the fluctuating forces peak at L/D = 4.14. The lift force of downstream cylinders reaches its maximum at around ${\alpha}=15^{\circ}$. Furthermore, the flow around circular-section-cylinder arrays is also discussed in comparison with that of square cylinders.

MNE's Ability to Mitigate the FX Exposure: Subsidiary Network and Pass-through Ability

  • Cho, Hyejin
    • East Asian Journal of Business Economics (EAJBE)
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    • v.6 no.4
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    • pp.1-12
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    • 2018
  • Purpose - This paper tests the effect of the structure of manufacturing and marketing subsidiary network on FX exposure of Korean MNEs. Furthermore, the moderating effect of pass-through ability on the relationship between the subsidiary network and FX exposure is explored. Research design and methodology - This study utilizes a sample of 309 Korean MNEs constructed from database offered by KOTRA and KIS-VALUE. Results - As operational flexibility arising from having operations in multiple locations provides an option for firms to tackle FX exposure, greater breadth of manufacturing subsidiary network reduces FX exposure, and greater depth increases FX exposure. However, both the breadth and depth of marketing subsidiary network decrease FX exposure due to the firm's higher level of market presence and knowledge to devise an appropriate marketing strategy that can buffer adverse exchange rate movement. Such an effect is intensified when MNE's have FX exposure pass-through ability stemming from differentiated good. Conclusions - Empirical findings suggest that types and structure of Korean MNEs' foreign subsidiary network are closely related to the level of FX exposure they are experiencing. Also, they can utilize marketing subsidiary network more efficiently when having a higher R&D intensity.