• The Journal of Asian Finance, Economics and Business
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• v.9 no.7
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• pp.81-91
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• 2022

The aim of this paper was to analyze the determinants of the extent of individual credit rationing at Can Tho Military Commercial Joint Stock Bank (MB). The data was collected from 150 customers according to the systematic random sampling method listed in the bank. This study employed quantitative analysis methods, and Tobit regression model, to test the proposed hypotheses. The results showed that the average loan amount of an individual customer was 1,181.3 million VND, the average credit limit was 48.6%, and the average interest rate was 10.9% per year. Most of the individual customers borrowed money to buy properties. In addition, the analysis results also indicated that individual borrowers still faced some difficulties in accessing bank credit, such as cumbersome procedures, long waiting times, insufficient collateral assets, and loan documents. The results of the Tobit model pointed out that there were five factors affecting the degree of credit rationing to individual customers at the bank, including (1) Collateral, (2) Income, (3) Credit history, (4) Loan purpose, (5) Relationship between borrower and bank. Based on the empirical findings, the possible solutions for the bank and individual borrowers to improve credit efficiency for individual customers at commercial banks are obtained.

• Journal of Korea Port Economic Association
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• v.28 no.3
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• pp.73-89
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• 2012

As the environment surrounding ports is rapidly changing and ports competition in Southeast Asia has become more severe to secure cargo volumes, ports strive to enhance their competitiveness by improving the efficiency of operations. The operational efficiency of ports, plays a crucial role to improve a nation's. This study aims to analyze the efficiency of container port and its determinants during over five year(2006 to 2010) period using DEA-O and Tobit regression respectively. The results show that firstly, Gamman is the most efficient container terminal, followed by New Gamman container terminal and Hutchison Busan container terminal. Secondly, it is notable that the efficiency of Busan Newport is dramatically increasing, and finally, the yard productivity of the container port is only influencing determinant of all.

• Journal of Preventive Medicine and Public Health
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• v.46 no.1
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• pp.28-38
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• 2013

Objectives: This study aimed to collect information that will help enhance the social networks and improve the quality of life among elderly people by observing the relationship between their social network and health-related quality of life (HRQoL) and by analyzing social network factors affecting HRQoL. Methods: This study was based on the 2008 Community Health Survey in Yeoncheon County. Three hundred elders were included in the study population. We compared the revised Lubben Social Network Scale (LSNS-R) score and Euro quality of life-5 dimensions health status index by demographic characteristics and chronic disease prevalence. We analyzed the data using multiple regression and tobit regression by setting the HRQoL as the dependent variable and social network and other characteristics as the independent variables. We analyzed social network factors by using factor analysis. Results: The LSNS-R score differed significantly according to age and existence of a spouse. According to the results from the hierarchical multiple regression analysis, the LSNS-R explained 0.10 of the variance and LSNS-R friends factor explained 0.10 of the variance. The tobit regression indicated that the contribution of the LSNS-R family size factor to the regression coefficient of the independent variable that affected the HRQoL was $B_T$=2.96, that of the LSNS-R family frequency factor was $B_T$=3.60, and that of LSNS-R friends factor was $B_T$=5.41. Conclusions: Social networks among elderly people had a significant effect on HRQoL and their networks of friends had a relatively higher effect than those of family members.

• Journal of Information Technology Services
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• v.16 no.4
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• pp.15-31
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• 2017

This study analyzes 45 Korea IT service companies from 2012 to 2016 using DEA analysis. Large enterprises, medium enterprises and small and medium enterprises (SMEs). CCR model and BCC model were used for efficiency analysis. Among the various analytical objects, the decision objects which yield the maximum output with minimum input are compared with other analysis objects. The relative inefficiency was measured through this, and Technical Efficiency (TE), Pure Technology Efficiency (PTE), Scale Efficiency (SE), scale profit, reference frequency were analyzed. Also, we analyzed the Technology Gap Ratio (TGR), which is the distance between production function and Meta-Frontier for each firm, using Meta-Frontier analysis. Finally, the Tobit model is used to analyze the sources of efficiency and inefficiency. The inputs are assets, capital, and employees, and the output factor is sales. The analysis shows that large firms are achieving technological achievements more efficiently than small and medium enterprises. As a result, medium-sized enterprises and SMEs can improve efficiency overall through efficient operation of workforce and appropriate combination of inputs such as assets and capital. Also, as a result of the influence factor analysis, it was found that the ratio of the managed asset ratio and the management cost ratio were significant factors influencing the efficiency of the IT service companies. This study suggests the efficiency analysis using DEA for many Korea IT service companies. Inefficient parts of each company are classified according to size and technology. Also, we identify the most efficient companies and analyze the causes of those companies whose profits are lower than their size.

• The Journal of the Korea Contents Association
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• v.19 no.2
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• pp.349-367
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• 2019

This paper empirically analyzed the factors of operational efficiency after the quasi-public bus operating system in Busan Metropolitan City. DEA analysis result, for CRS the annual efficiency in 2010 of bus routes that can be transferred to subway lines 1 was the highest. The annual efficiency of bus routes that can be transferred to subway lines 2 shows the largest annual average of 0.923 in 2016 under the CRS average gradually improved over the year. Annual efficiency of subway lines No. 3 and transferable bus routes gradually improved from 2009 to 2015, but declined again in 2016. Among 536 routes for four years on 134 routes per year, 205 routes were found to be inefficient. In order to increase efficiency of the 205 routes, it is suggested that the number of routes should be reduced. In addition, the analysis results on DEA using the Tobit calibration, the most significant factors affecting the operational efficiency index were the time taken, followed by the number of passengers and the number of passengers transferred.

• Industry Promotion Research
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• v.9 no.1
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• pp.259-273
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• 2024

In this study, 31 provincial-level administrative regions in China from 2011 to 2021 were taken as the research objects, and the super-SBM model was used to measure the regional eco-efficiency with capital, labor, land and resource input as input variables, GDP and green coverage as the desirable outputs, and wastewater, waste gas and solid waste emissions as the undesired outputs. Tobit regression was used to analyze the effects of external environmental factors on eco-efficiency. The results showed that the average level of eco-efficiency in China was low, and the eco-efficiency in the eastern region was higher than that in other regions, and there were great differences in the western, northeast and central regions.

• Korean Journal of Agricultural Science
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• v.45 no.3
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• pp.533-545
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• 2018

The aims of this study were to examine whether there are consumer segments that have a propensity to be deal prone in purchasing processed foods and to identify those characteristics of consumers that reflect their deal proneness. Thus, raw data from the Korea Consumer Attitude Survey was analyzed by frequency, factor analysis, and Tobit regression. The major findings are as follows. Individual deal proneness are different according to regional and socio-economic characteristics, and the lifestyle of the consumers also affects deal proneness. Socio-economic variables that have significant impacts on deal proneness for processed foods are residential areas, preferred lifestyle types, sex, age, educational background of the household head and type of store mostly used. With regard to lifestyle, it was found that consumers with a lifestyle that includes convenience, brand pursuit, and convenience are more likely to have a higher degree of deal proneness for processed foods. From the results based on different food groups, it was found that deal proneness for different food groups is affected by the areas, types of sales promotion, and socio-economic characteristics of the consumers. This result suggests that the differences in the consumption of processed foods and deal proneness are indicative for the need to use marketing strategies that consider the characteristics of consumers.

• Health Policy and Management
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• v.6 no.2
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• pp.58-90
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• 1996

This study provides an empirical analysis of location competition for demand maximization by central place theory among physicians in nonmetropolitan areas of Korea. The results show that the primary care physicians distribute themselves evenly from urban communities to rural communities. The subspecialists, however, cluster together in major cities rather than decentralize themselves in rural counties. This study establishes the three statistical models : Primary care physicians, subspecialist physicians, and total physicians. Two models of primary care physicians and total physicians have a strong significance in multiple regression analysis (p=-.0001). The primary care model explains approximately 45% of the variation and the total physicians model explains approximately 70% of the variation in physician/1,000 population ratios across national counties. The subspecialist physicians model analysze the tobit regreassion because of the left consored and truncated values(57 cases = 0). In all three models, analysis of the coefficiencts for physician centralization degrees in the 0- to 5- and 5- to 10-km rings around the core county reveals each a positive and negative association betwee these degrees and the physician/1,000 population ratios in the core county. Also, the results provide moderate evidence that the relationship between clinic physicians and community hospitals is competitive, and the relationship between clinic physicians and pharmaceutists is synergistic. This suggests that public policy makers and local self-governing bodies must take an active role to ensure procider availability and the regional health planning in all nonmetropolitan areas of Korea.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.41 no.3
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• pp.1-10
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• 2018

The purpose of this study is to improve effectiveness of Korea's Official Development Assistance (ODA) provided to developing countries. To do this, we analyze the efficiency of ODA provided to 38 recipient countries by Korea through data envelope analysis method. The effects of four factors including population, GDP, economic decline and poverty, and external intervention on efficiency are also investigated by utilizing tobit regression analysis. As a result of the DEA efficiency analysis, it is found that the average efficiency score of the total is about 59%. By region, the average efficiency score of Asia, Africa, Central and South America, and the East and CIS (Commonwealth of Independent States) are about 42%, 68%, 70%, and 74%, respectively. It indicates that the Asian countries are inefficient compared to countries of the other regions. It is also found that factors of population, GDP, economic decline and poverty, and external intervention have statistically significant effects on efficiency at 0.01 significance level. In the case of the population, the higher the population of the recipient country, the more negative (-) effect is on the efficiency. The other factors such as GDP, economic decline and poverty, and external intervention have positive effects on the efficiency.

• Journal of Korea Society of Digital Industry and Information Management
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• v.17 no.4
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• pp.161-175
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• 2021

This study analyzed the efficiency and influence factors according to the main research institute type of R&D Program for the local community problem-solving. This study applied data envelopment analysis (DEA) method and Tobit regression analysis by using 20 institutions that participated in R&D Program. The results are summarized as follows. First, Analysis results according to the research institute type of R&D project, Efficient DMUs showed more regional innovation institutions than social economy enterprises. But regional innovation institutions were the lowest in the CCR and BCC model. However, efficiency dose not differ between regional innovation institutions and social economy enterprises. Second, as a result of the analysis relation between efficiency and allocation characteristics of R&D input, the participation of regional innovation organizations as participating organizations has a negative effect on efficiency. It was found that the higher the proportion of government subsidies and the higher the employment rate of the vulnerable, which is a social achievement, the positive effect on efficiency. The implication of this study is that the participation of social economy enterprises as the main R&D institution and government R&D support can provide social economy enterprises with opportunities to accumulate R&D capabilities and experience successful commercialization.