• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.99-108
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• 2021

As expansion of interest income business faces several limitations, non-interest revenue can play a vital role in increasing the net profit margin and the productivity of the assets to sustain the growth rate. This study aims to analyze the Effect level (partial or total) of a bank's size on the relationship between non-interest revenue and the sustainable growth rate of Jordanian commercial banks. Baron and Kenny's methodology (1986) was adopted to test and analyze the effect of non-interest revenue: including the bank's size, on the sustainable growth rate during the period from 2008-2019. Data collection was done for thirteen commercial banks which constituted 100% of the study population. Testing four hypotheses by using Amos program and a regression model to diagnose the partial and total effect of size. Findings indicate that there is a nonlinear relationship between Non-IR and SGR due to the total effect of bank size on the sustainable growth rate. The results of this study is expected to enable the banks to diversify their revenue to support financial performance towards healthy growth without facing additional financial problems. This study adopted a different methodology from the prior efforts, by using the mediation effect role to verify the effect of non-interest revenue.

• Journal of Arbitration Studies
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• v.31 no.1
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• pp.55-81
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• 2021

Awarding interest in international arbitration remains one of the most challenging areas for tribunals and parties given the myriad of issues that arise. This article seeks to provide an overview of how international arbitral tribunals grant delay interest. It reviews the various issues that international arbitral tribunals face concerning pre-award and post-award interest, determining the appropriate interest rate, surrounding simple or compound interest, and the complex issue of choice of law. A comparative context is provided by surveying the laws of major jurisdictions from both the common law and civil law and the regulations of leading arbitral institutions. It concludes with a review of the law, jurisprudence, and practice in Korea related to delay interest and how Korean tribunals under the KCAB Domestic and International Rules have determined delay interest in recent years.

• Korean Journal of Human Ecology
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• v.17 no.5
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• pp.951-962
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• 2008

The purpose of this study was to analyze the co-relation with the types of lifestyle and interest of cosmetic surgery. The data were collected from 500 womens in Ulsan area. Frequencies, Cronbach's alpha, K-means Cluster analysis, T-test, one-way ANOVA and MCA were conducted by SPSS win 12.0k program. The results from this study were as follows: First, the types of women's lifestyles in Ulsan were divided with 4 groups such as the active leader, the display of originality, the loss of enthusiasm, and the prudent housekeeper. Second, interest of cosmetic surgery shows the difference in age and married or not. Interest of young single women was highest. Third, the display of originality group was highest in interest of cosmetic surgery among 4 groups. And the next was the active leader group. fourth, influences to the interest of cosmetic surgery was decreased both in age and lifestyle groups after excluding all the other variation factors. However, the interest was high in the 20th aged women and the display of originality group.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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• pp.591-599
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• 2020

This study examines how the health of the banks in ASEAN-3 countries namely Indonesia, Malaysia and Thailand respond to the change in exchange rates and foreign interest rates in four large economies. The transmissions of the two external factors through domestic factors in each ASEAN-3 countries eventually affects Non-Performing Loan (NPL) of commercial banks. This study uses the monthly time series data and the renowned Structural Vector Autoregressive (VAR) model comprising five variables, namely exchange rate, foreign interest rate, domestic interest rate, money supply, and non-performing loan (NPL). The results indicate that there are different effects between ASEAN-3 countries, which can be classified as short-run effect and long-run effect. In the long run effect, external factors have a dominant role in determining NPL in ASEAN-3 countries. Yuan has the biggest effect on Malaysia's NPL, while Indonesia is more affected by European interest rates rather than the fluctuation of the US currency and China's interest rates. Among ASEAN-3 countries, Malaysia is the one that is the most vulnerable to external factors. While Thailand's NPL is affected dominantly by domestic factors. This study shows that the Fed Funds Rate (US official interest rate) is not always the dominant factor affecting the health of domestic banks in ASEAN-3.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.43 no.3
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• pp.1-9
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• 2020

Interest rate spreads indicate the conditions of the economy and serve as an indicator of the recession. The purpose of this study is to predict Korea's interest rate spreads using US data with long-term continuity. To this end, 27 US economic data were used, and the entire data was reduced to 5 dimensions through principal component analysis to build a dataset necessary for prediction. In the prediction model of this study, three RNN models (BasicRNN, LSTM, and GRU) predict the US interest rate spread and use the predicted results in the SVR ensemble model to predict the Korean interest rate spread. The SVR ensemble model predicted Korea's interest rate spread as RMSE 0.0658, which showed more accurate predictive power than the general ensemble model predicted as RMSE 0.0905, and showed excellent performance in terms of tendency to respond to fluctuations. In addition, improved prediction performance was confirmed through period division according to policy changes. This study presented a new way to predict interest rates and yielded better results. We predict that if you use refined data that represents the global economic situation through follow-up studies, you will be able to show higher interest rate predictions and predict economic conditions in Korea as well as other countries.

• Journal of Christian Education in Korea
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• v.72
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• pp.165-182
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• 2022

The purpose of this study is to explore the effect of cognitive Presence on Flow according to the level of interest among the most important factors that have an effect on academic achievement. This study targeted 162 people who took the teaching course of B University. For the study, data were collected through a survey on the level of interest, cognitive Presence, and Flow. In order to verify how cognitive presence affects flow according to the level of interest, multiple regression analysis was performed by dividing the collected data into low and high groups based on the average of the level of interest. As a result, the level of learning management of cognitive presence was .071 in the high level of interest, and the level of learning management was .143 in the low group of interest level. As a result of this, the effect of the level of learning management of cognitive presence on flow according to the level of interest was confirmed. Through the results of this study, a instructional design strategy that can be flow was suggested through supporting cognitive presence according to the level of interest.

• Journal of Korean Elementary Science Education
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• v.33 no.4
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• pp.646-654
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• 2014

The aim of this study was to investigate the patterns of the elementary school students' interests to animals and plants based on affinity toward animals and plants, and curiosity about animals and plants by using a cluster analysis. In addition, the differences of the big five personality traits by the identified clusters was examined. A total number of 411 elementary school students participated in the study. The students were clustered into four distinct interest groups with respect to the level of interests to animals and plants. Cluster 1 'Developed Interest to Organisms group' showed high levels in the interest to both animals and plants. Cluster 2 'Developed Interest to Animals group' showed high interest to animals and relatively low interest to plants whereas cluster 3 'Developed Interest to Plants group' showed high interest to plants and relatively low interest to animals. Lastly, cluster 4 were identified as 'Lack of Interest to Organisms group' by showing low levels of interest to both animals and plants. The four identified groups also showed different distributions of students according to gender and school year. These results support gender difference in the interest to animals and plants and suggest the decreased and specialized interest with school year. The Big Five personality traits excluding neuroticism were positively related with the interest to organisms and the identified groups showed significant differences in the traits. These findings indicate that agreeableness, conscientiousness, extraversion, and openness can be significant predictors of the interests to animals and plants.

• The Korean Journal of Community Living Science
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• v.28 no.4
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• pp.599-611
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• 2017

The purpose of this study is to investigate the effect of increased debt on the incidence of domestic violence over the two-year interval 2014-2016. To investigate Korean low-income households with economic hardships, we analyzed the 9th and the 11th waves of the Korea Welfare Panel Study, which is jointly sponsored by the Korea Institute for Health and Social Affairs and the Institute of Social welfare, Seoul National University. The study analysis was based on data from 2,786 households with less than 60% of median income. The main study findings are as follows. First, increases in economic hardships incur domestic violence for low-income households, while increases in low-interest debt decrease the incidence of the domestic violence when controlling for economic hardships. All other things being equal, economic hardship works as a stressor and low-interest debt works as an alleviator influencing domestic violence. Second, when low-income households are experiencing economic hardships, low-interest debt fails to work as an alleviator. Under this circumstance, high-interest debt actually acts as a stressor influencing domestic violence. Thus, we can speculate that use of debt under economic hardships will occur domestic violence for low-income households. This study differs from previous studies in that it examines the effect of increase in debt on the incidence of the domestic violence across different types of debt: low interest, high interest, and credit card. We can conclude that debt can function as a stressor or an alleviator for low-income households, depending on the interest rate and the households' financial situation.

• Journal of the Korean Society of Industry Convergence
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• v.26 no.2_2
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• pp.349-358
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• 2023

This study aimed to identify factors influencing awareness and interest in male nail care and nail art among people in their 20s and 30s, using a survey that included 390 men and women. The survey consisted of sub-factors, including awareness of appearance management, interest in nails, perception of male nail care and nail art, behavioral factors in nail care, and image factors in nail care. The results showed that the overall average interest in male nail care and nail art was 3.76, which fell between "average" and "yes". Women showed higher interest in male nail care than men did. While there was no statistically significant difference in the average value, interest in male nail care and nail art was higher among those in their 30s than those in their 20s. Unmarried individuals showed more interest in male nail care than married ones, and higher levels of education were associated with higher interest. In terms of occupation, service workers showed the highest interest in male nail care and nail art. In conclusion, the findings suggest the need for marketing research that caters to the development of services and programs targeting the male nail industry. The study also highlights the importance of segmenting and differentiating marketing strategies that target male and female customers with a high interest in male nail care and nail art. Based on these findings, this study aims to provide direction for the male nail care industry and serve as a basis for the development of customized programs. Additionally, it aims to provide basic data to aid in the development of the nail industry in Gyeongnam.

• Journal of the Korean Society of Clothing and Textiles
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• v.34 no.10
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• pp.1647-1657
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• 2010

This study examines underwear purchase behaviors and the attitude of male consumers based on the degree of interest in appearance. Data research was conducted on 296 males in their 20s and 30s located in Seoul & Gyeonggi province. The SPSS 17.0 software program was used to conduct data analyses such as descriptive statistics, frequency analysis, factor analysis, cluster analysis, t-test, and $\chi^2$-test. The results of this study are as follows: The degree of interest in appearance was identified with four factors; outfit management, confidence of figure, interest in clothing, weight control, and disinterest in appearance. Customers were segmented into two subdivisions: high and low interest in appearance. The factors derived from the factor analysis of underwear purchase motive included aesthetic, impulsiveness, and practicality. The purchase behavior of the group with high interest in appearance was highly motivated by aesthetics and impulsiveness. The factors derived from the factor analysis of underwear attitude included fashionability, comfortableness, and quality. Customers were segmented into the following three subdivisions: pursuit of comfortableness, pursuit of diversity, and normal. The type of high interest in appearance regarded fashionability and quality highly. Finally, the degree of interest in appearance showed significant relevance in purchase motive and underwear attitude for underwear.