• 유통과학연구
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• 제11권7호
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• pp.39-45
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• 2013

Purpose - The paper aims at testing the moderating effect of individualism dimension of culture on consumer behavioural intention about bank services in Nigeria. Research design, data, and methodology - A survey was conducted with a sample of five hundred and fifty five bank customers drawn from various retails banks. Using Statistical Package for Social Sciences and Analysis of Moment Structure, combinations of descriptive and inferential statistics were performed. Invariance test and multiple-group analysis were conducted in order to assess the moderating effect. The invariance test was necessary to confirm the equivalence of constructs so that any difference detected thereafter could be related to moderating effect. Results - The results show that individualism has a significant moderating effect on the relationship between technical quality, perceived value and corporate image on the one hand, and behavioural intention on the other. However, individualism does not moderate the association between functional quality and behavioral intention. Conclusions - It is recommended that the bank policy makers should take necessary step to enhance the customer perception of technical quality, perceived value and corporate image with respect the retail bank services.

• Current Photovoltaic Research
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• 제2권3호
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• pp.140-145
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• 2014

The globally used PV qualification tests and reports the pass/fail only. Therefore, the reliability of new PV materials and parts can't be compared quantitatively with the reliability of the PV parts and materials in the market. Global PV materials and parts companies test and compare their materials, parts, and modules using the failure-to-test (FTT). However, it takes a long accelerated stress test (AST) until failure. It also needs to test the new and existing materials and parts. Therefore, it requires excessive equipment time and cost. In order to reduce the time and cost, a new reliability enhancement methodology has been developed. It tests the PV materials, parts, and modules in the global market and stores them in the PV reliability database. It reduces the time and cost of the comparison and enhancement of PV reliability. An example of the reliability enhancement of the PV encapsulant, EVA is presented.

• The Journal of Asian Finance, Economics and Business
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• 제6권3호
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• pp.9-18
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• 2019

The purpose of this study is to investigate the relation between conservative loan loss accounting practice of banks, defined as accounting behavior that increases loan loss allowances against expected credit losses, and bank lending. Furthermore, we specify the macroeconomic conditions reflecting debtors' borrowing environments and analyze how these conditions affect the relation between conservative loan loss allowances and bank lending. Although existing literature reports that accounting conservatism has a direct effect on non-financial firms' investment behavior, there is little evidence about an effect of conservatism on banks' lending behavior. By exploiting data showing the links between individual Japanese firms and their individual lenders to control both loan demand and supply, we estimate OLS regressions to test the relationships among conservative loan loss allowance, bank lending, and macroeconomic conditions using a unique dataset containing bank-firm-year observations between 2001 and 2013. We find banks that have conservative loan loss allowances tend to provide fewer loans to firms with financing needs when macroeconomic conditions are good and these conservative banks are likely to provide more loans to firms when macroeconomic conditions are bad. Our findings suggest that reflecting expected credit loss into loan loss allowances can mitigate the procyclical behavior of banks.

• 기술사
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• 제30권4호
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• pp.99-116
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• 1997

In order to obtain safe drinking water, free from surface contamination, a study to determine the potential for developing a bank-filtrate system in the Iryong and Yongsan, Nakdong River Basin, Korea was conducted. The main type of aquifer In the study area is alluvial, consisting mostly of sand and gravel. The hydraulic conductivity(k) of the Iryong and Yongsan test areas were 8.63${\times}$10$^-2$cm/s and 9.90${\times}$10$^-2$cm/s, respectively, indicating that these areas are satisfactory for bank filtrate production. Pilot plants(IRPL and YSPL) were set up In Iryong and Yongsan to monitor the change in the quality of bank-filtered water and to determine the effect pumping had on the surrounding hydrogeologic system. The pilot plants operated continuously for about two months and the data obtained were used to validate the groundwater flow model. Computer simulations were conducted to predict the effects of producing bank filtrate using MODFLOW. MODPATH was also linked with the flow model to analyze particle tracking. According to the results of the model simulations and the hydrogeologlc study, long-term pumping, the minimization of drawdown and the availability of uncontaminated sell and groundwater conditions for the catchment area were all Important factors for successful bank-titrate system development.

• The Journal of Asian Finance, Economics and Business
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• 제7권8호
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• pp.117-130
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• 2020

The purpose of this study is to provide benefits and ethically-rooted managerial implications based on theoretical underpinnings through an empirical study using correlation between wages, bank credit, government expenditure on economic growth, and employment via a case study in Indonesia. Besides that, managerial implications strive to provide benefits to the government regarding the importance of establishing effective and pro-development regulations to realize economic growth and employment through the efficient role of wages, bank credit, and government spending. This study uses secondary macroeconomic data from the period 2010-2019 with analysis using the correlation test with the Pearson correlation method. Out of eight hypotheses tested, two hypotheses do not have a significant correlation. The details of the statistical results obtained the following correlations: the correlation between bank credit and wages has a significant, but indirect (negative) correlation. However, the correlation between bank credit and economic growth has a direct and significant (positive) correlation. Government expenditure correlates positively with wages, but correlates negatively with bank credit. Wages are positively correlated with economic growth, but have no significant effect on employment. Finally, economic growth has a positive correlation with government expenditure, but does not have a significant correlation with employment.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.95-100
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• 2020

Nifty Bank Index has started trading in futures and options (F&O) segment from 13^th June 2005 in National Stock Exchange. The purpose of the study is to enhance the literature by examining expiration effect on the price volatility and price reversal of Underlying Index in India. Historical data used for the current study primarily comprise of daily close prices of Nifty Bank which is the only equity sectoral index in India which is traded in derivatives market and its Future contract value is derived from the underlying CNX Bank Index during the period 1^st January 2010 till 31^st March 2020. To check stationarity of the data, Augmented Dicky Fuller test was used. The study employed ARMA- EGARCH model for analysing the data. The empirical results revealed that there is no effect on the mean returns of underlying Index and EGARCH (1,1) model furthermore shows there is existence of leverage effect in the Bank Index i.e., negative shocks causes more fluctuations in the Index than positive news of similar magnitude. The outcome of the study specifies that there is no effect on volatility on the underlying sectoral index due to expiration days and also observed no price reversal effect once the expiration days are over.

• The Journal of Asian Finance, Economics and Business
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• 제6권2호
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• pp.189-201
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• 2019

The purpose of this study is to identify elements of job crafting impacts on work engagement and individual work performance in Vietnamese commercial banks. The research data, collected from 226 bank officers, uses the quantitative research tools as: Cronbach's Alpha Analysis, Explanatory Factor Analysis, Confirmatory Factor Analysis as well as Structural Equation Modeling. The results of the hypothesis test show that only two hypotheses (H2, H3) are accepted: the impact of cognitive crafting on work engagement of bank officers (H2) and the impact of work engagement on individual work performance (H3). However, three remaining relationships (H1, H4, H5) are not accepted in the study: the impact of relational crafting on work engagement of bank officers (H1), the impact of relational crafting on individual work performance of bank officers (H4) and the impact of cognitive crafting on individual work performance of bank officers (H5). The study results indicate that cognition on job crafting leaves positive impacts on work engagement, leading to individual work performance enhancement. On the other hand, the relational crafting element implies contribution on neither collective nor individual working performances. Furthermore, no direct effect of cognition on job crafting to individual performance has been identified.

• 한국정보시스템학회지:정보시스템연구
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• 제28권1호
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• pp.17-39
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• 2019

Purpose The purpose of the present study is to analyze the factors influencing the intention to use direct bank continuously from the perspective of service rather than technology. Hygiene factors including economic benefits, privacy, and unverified risks, and convenience of service as a motivator were considered as user's satisfaction. A research model integrating the relationships among user's satisfaction, its determinants, social influence, and continuous intention to use direct banks was proposed. Design/methodology/approach Structural equation modelling for validating the research model was employed. 253 valid data were collected from users of direct bank service in South Korea and China, and used to test six hypotheses. Findings User's satisfaction and social influence were determinants of continuous use intention of direct bank. Convenience of service as a motivator has a significant influence on service satisfaction, while economic benefits, privacy, and unverified risks as hygiene factors have no significant influence on the continuous intention. Managers of direct banks need to implement service differentiation strategies to gain customers' loyalty. Also they seek to find the determinants of social influence. The present study confirmed that there is a big difference between Korea and China in terms of factors affecting the continuous intention to use direct bank.

• KDI Journal of Economic Policy
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• 제38권1호
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• pp.53-70
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• 2016

This paper examines market concentration and its effect on competition in the Chinese commercial banking market. This study also investigates how changes in competition have affected the financial stability of Chinese commercial banks. To test the competitive conditions, we obtained the H statistic of the Panzar-Rosse model from a revenue function equation. The degree of financial stability is estimated by the Z-score formula. The Chinese banking industry has become an increasingly less concentrated market with an increased number of banks. Along with a decreased market concentration, competition in the Chinese banking industry has improved moderately. However, its market structure is still far from a competitive market. An individual bank's ability to earn higher markup or charge a higher net interest margin contributes to its financial soundness, although a higher degree of market concentration may have negative effect on the financial stability of the entire banking system.

• 한국농공학회논문집
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• 제46권5호
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• pp.99-106
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• 2004

Although fly ash has possesses viable engineering properties, an overwhelming majority of fly ash from coal combustion is still placed in storage or disposal sites. This study was undertaken to investigate the physical and mechanical properties of clay-fly ash mixture and to furnish engineering data when fly ash utilized as engineering materials. This paper includes geotechnical properties of fly ash, clay-fly ash mixtures and results of compaction test, unconfined strength test, direct shear test, leaching test and stability analysis of clay-fly ash bank slope. If proper amount of fly ash was put in clay, the clay-fly ash mixture has an increase of unconfined strength and stability of bank slope.