• Title/Summary/Keyword: Types of Loan

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A Study on the Present Stage of Research Support Services of Academic Library in Korea (국내 대학도서관 연구지원서비스의 현단계)

  • Lee, Yong-Jae;Lee, Ji-Wook
    • Journal of Korean Library and Information Science Society
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    • v.51 no.1
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    • pp.305-327
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    • 2020
  • This study aims to suggest the ways to reinforce academic library's research support services for professors and researchers in Korea. For this purpose, this study collected the development plans of academic libraries in Korea, and analysed the plans for supporting research activities, and also analysed each library's homepage. And this research classified the research support services of academic libraries into eight types for further analysis. The types are 'subject guide', 'academic information literacy', 'research analysis service', 'research consulting', 'research ethics education', 'thesis writing guide', 'bibliography management program', 'interlibrary loan·original text copy'. As a result, it is shown that the most libraries emphasized 'custom-tailored user education' and marked it on development plan. As subsequent plans, libraries provided the action plans of 'expansion of scholarly DB instruction on each subject', 'expansion of custom-tailored research support services', 'construction of research support service system' one after another. This study suggests 'activation of subject guide service', 'expansion of academic information literacy programs for supporting research', 'introduction of research performance analysis services', and 'support for establishment of research ethics' as ways to strengthen academic libraries' research support services.

A Recognition Analysis on Activation of Housing Reverse Mortgage Loans and Mortgage Loans (주택연금과 주택담보대출의 활성화 방안 인식분석)

  • Lee, Chan Ho;Shin, Yeong Mi
    • Journal of Digital Convergence
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    • v.12 no.7
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    • pp.197-203
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    • 2014
  • This study deals with a comparative analysis on reverse mortgage loans and mortgage loans in order to pave a path for activation of real estate financing. The fact-revealing analysis was conducted through surveys based on theoretical consideration and advanced researches, which has drawn a range of findings. As the results of this study, the important findings concerning the improvement on the activation of practical housing reverse mortgages are applicable to all real estate, diversifying the tax benefits, and deregulation of 1 house, etc. and findings concerning the improvement to activate mortgage loans are diversifying types of interest rates, diversifying types of repayment, tax benefits for less than 15 years maturity period, and granting benefits(low interest rates, higher loan limits) to low-income households, etc. This study has a significance for providing basic materials in order to accomplish advanced finance policies along with social welfare services as suggesting measures to improve and activate real estate financing through the findings out of the fact-revealing analysis conducted as above.

A Study on the Analysis and Improvement of Cultural Programs in Small Libraries: The Case of Seoul Metropolitan City (작은도서관 문화프로그램 활성화에 관한 연구 - 서울시를 중심으로 -)

  • Yang, Byeung-Hoon
    • Journal of the Korean Society for Library and Information Science
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    • v.46 no.1
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    • pp.289-309
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    • 2012
  • In an attempt to study the current status and ways to revitalize cultural programs in small libraries, this study surveyed 142 small libraries based in the Seoul. Two most important functions of both public and private small libraries were found to be the loan/return of materials and cultural programs; over 50% of small libraries are operating cultural programs. It was also found that institutions that did not operate the cultural programs were aware of the necessity. Both public and private small libraries were operating one to three cultural programs, and their types varied from cultural refinement to reading-related programs. There was a higher rate of answers stating that the person in charge of operating cultural programs for public small libraries were administrative personnels, while the chief librarian was the person in charge for private small libraries. The hardships both types of libraries encountered were found to be budget-related and on securing manpower.

A Case Study of the Deferred Exposure by Real Estate Finance Types: Focusing on the Distortion of Loan and the Overestimation of Value (부동산금융 유형별 익스포저 이연 사례 연구: Loan의 왜곡과 Value의 과대평가 문제를 중심으로)

  • Jeong, Dae-Seok;Hwangbo, Chang
    • The Journal of the Korea Contents Association
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    • v.20 no.6
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    • pp.38-50
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    • 2020
  • The purpose of this study is to identify the risks to financial institutions in terms of expanding potential risks due to the deferral of exposure, by identifying the structures in which real estate finance and financial institutions affect real estate prices at low interest rates. To this end, real estate financing is categorized according to the method of financing and the type of value measurement from a risk management perspective and analyzed for each case. As a result of analysis, in the case of profitable real estate, the rate of real estate is increased by directly decreasing the cap rate and directly affecting the fair value calculation method. In the case of non-profitable real estate, the real estate price is increased by expanding the leverage width of investors or financial institutions. Through the analysis of this case, the continuous increase in real estate prices over the past 10 years has the potential to prevent financial institutions from losing under the circumstances such as the growth of real estate finance due to the advancement of the financial market and the continued low interest rate trend that has continued for 10 years. It is judged that the deferred delay is part of the cause, which leads to an increase in the risk to financial institutions.

Big Data Analysis for Public Libraries Utilizing Big Data Platform: A Case Study of Daejeon Hanbat Library (도서관 빅데이터 플랫폼을 활용한 공공도서관 빅데이터 분석 연구: 대전한밭도서관을 중심으로)

  • On, Jeongmee;Park, Sung Hee
    • Journal of the Korean Society for information Management
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    • v.37 no.3
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    • pp.25-50
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    • 2020
  • Since big data platform services for the public library began January 1, 2016, libraries have used big data to improve their work performance. This paper aims to examine the use cases of library big data and attempts to draw improvement plan to improve the effectiveness of library big data. For this purpose, first, we examine big data used while utilizing the library big data platform, the usage pattern of big data and services/policies drawn by big data analysis. Next, the limitations and advantages of the library big data platform are examined by comparing the data analysis of the integrated library management system (ILUS) currently used in public libraries and data analysis through the library big data platform. As a result of case analysis, big data usage patterns were found program planning and execution, collection, collection, and other types, and services/policies were summarized as customizing bookshelf themes for the book curation and reading promotion program, increasing collection utilization, and building a collection based on special topics. and disclosure of loan status data. As a result of the comparative analysis, ILUS is specialized in statistical analysis of library collection unit, and the big data platform enables selective and flexible analysis according to various attributes (age, gender, region, time of loan, etc.) reducing analysis time. Finally, the limitations revealed in case analysis and comparative analysis are summarized and suggestions for improvement are presented.

The Types and Characteristics of Educational Programs in Major Natural History Museums of the World (세계 주요 자연사 박물관의 교육 프로그램의 유형 및 특징)

  • Lee, Sun-Kyung;Choi, Ji-Eun;Shin, Myeong-Kyeong;Kim, Chan-Jong;Lee, Sun-Kyung;Im, Jin-Young;Byun, Ho-Seung;Lee, Chang-Zin
    • Journal of The Korean Association For Science Education
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    • v.24 no.2
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    • pp.357-374
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    • 2004
  • This paper described the types and characteristics of educational programs in major natural history museums of the world. Data were collected from the websites, annual reports, and written materials of the Natural History Museum at London, Australian Museum at Sydney, Field Museum of Natural History at Chicago, Smithsonian Museum at Washington D.C, Royal Tyrrell Museum at Canada and American Museum of Natural History at New York. As the result of this study, we presented ten types of educational programs, which were moveable museums, workshops, lecture/courses, festival/events, discovery activities, scientific exploration/research projects, field trips, youth curators/internship, loan materials and camp/tours. We also described the examples equivalent to each program type. The characteristics of educational programs provided by museums as informal learning settings were analyzed in terms of their themes, participation levels, connection with exhibition, relation to curriculum, and learning activity levels. Information in this paper will assist science teachers, museum educators and curators: (1) to design and implement various types and contents of educational programs; (2) to use characteristics of educational programs to assess and develop them; (3) to make important contributions to science education that involves the introduction of various scientific aspects and collections to the public, and the use of programs for science learning and teaching coherent to existing curricula.

A Study on the Characteristics of Integrated Search Services in Public Libraries in Korea: Focusing on the Integrated Libraries of Local Autonomous Entities of Seoul City (우리나라 공공도서관의 통합검색 서비스 특성에 관한 연구: 서울시 자치구 통합도서관을 중심으로)

  • Soo-Sang Lee
    • Journal of the Korean Society for information Management
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    • v.40 no.3
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    • pp.1-23
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    • 2023
  • The purpose of this study is to analyze the characteristics of the integrated search services for integrated libraries operated by local governments in Korea. The target of analysis was integrated libraries operated by 25 local governments in Seoul, and the analysis elements were selected from service functions in 12 areas related to integrated search. The results of the study are as follows. First, the integrated library is an association of public libraries and small libraries in autonomous districts and provides integrated search services. The provided integrated search service function, types of bibliographic information, and facets are not diverse. Second, the records in the search results were mostly item types, not title types. Third, enrichment information supplementing book information consists of book introductions, related information, book-related keywords, and loan-related information. Fourth, integrated search shows the form of integrated OPAC based on integrated catalog DB rather than discovery-type search. It concentrates on providing an integrated search for catalog DBs distributed in public libraries or small libraries in the autonomous district. Fifth, most integrated libraries provide similar service types. Based on these results, improvement plans were proposed for domestic public libraries to expect discovery-type integrated search services.

Financial Fraud Detection using Text Mining Analysis against Municipal Cybercriminality (지자체 사이버 공간 안전을 위한 금융사기 탐지 텍스트 마이닝 방법)

  • Choi, Sukjae;Lee, Jungwon;Kwon, Ohbyung
    • Journal of Intelligence and Information Systems
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    • v.23 no.3
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    • pp.119-138
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    • 2017
  • Recently, SNS has become an important channel for marketing as well as personal communication. However, cybercrime has also evolved with the development of information and communication technology, and illegal advertising is distributed to SNS in large quantity. As a result, personal information is lost and even monetary damages occur more frequently. In this study, we propose a method to analyze which sentences and documents, which have been sent to the SNS, are related to financial fraud. First of all, as a conceptual framework, we developed a matrix of conceptual characteristics of cybercriminality on SNS and emergency management. We also suggested emergency management process which consists of Pre-Cybercriminality (e.g. risk identification) and Post-Cybercriminality steps. Among those we focused on risk identification in this paper. The main process consists of data collection, preprocessing and analysis. First, we selected two words 'daechul(loan)' and 'sachae(private loan)' as seed words and collected data with this word from SNS such as twitter. The collected data are given to the two researchers to decide whether they are related to the cybercriminality, particularly financial fraud, or not. Then we selected some of them as keywords if the vocabularies are related to the nominals and symbols. With the selected keywords, we searched and collected data from web materials such as twitter, news, blog, and more than 820,000 articles collected. The collected articles were refined through preprocessing and made into learning data. The preprocessing process is divided into performing morphological analysis step, removing stop words step, and selecting valid part-of-speech step. In the morphological analysis step, a complex sentence is transformed into some morpheme units to enable mechanical analysis. In the removing stop words step, non-lexical elements such as numbers, punctuation marks, and double spaces are removed from the text. In the step of selecting valid part-of-speech, only two kinds of nouns and symbols are considered. Since nouns could refer to things, the intent of message is expressed better than the other part-of-speech. Moreover, the more illegal the text is, the more frequently symbols are used. The selected data is given 'legal' or 'illegal'. To make the selected data as learning data through the preprocessing process, it is necessary to classify whether each data is legitimate or not. The processed data is then converted into Corpus type and Document-Term Matrix. Finally, the two types of 'legal' and 'illegal' files were mixed and randomly divided into learning data set and test data set. In this study, we set the learning data as 70% and the test data as 30%. SVM was used as the discrimination algorithm. Since SVM requires gamma and cost values as the main parameters, we set gamma as 0.5 and cost as 10, based on the optimal value function. The cost is set higher than general cases. To show the feasibility of the idea proposed in this paper, we compared the proposed method with MLE (Maximum Likelihood Estimation), Term Frequency, and Collective Intelligence method. Overall accuracy and was used as the metric. As a result, the overall accuracy of the proposed method was 92.41% of illegal loan advertisement and 77.75% of illegal visit sales, which is apparently superior to that of the Term Frequency, MLE, etc. Hence, the result suggests that the proposed method is valid and usable practically. In this paper, we propose a framework for crisis management caused by abnormalities of unstructured data sources such as SNS. We hope this study will contribute to the academia by identifying what to consider when applying the SVM-like discrimination algorithm to text analysis. Moreover, the study will also contribute to the practitioners in the field of brand management and opinion mining.

Survey for zoonotic liver and intestinal trematode metacercariae in cultured and wild fish in An Giang Province, Vietnam

  • Thu Nguyen Diem;Dalsgaard Anders;Loan Ly Thi Thanh;Murrell K. Darwin
    • Parasites, Hosts and Diseases
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    • v.45 no.1 s.141
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    • pp.45-54
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    • 2007
  • Although Vietnam has a high risk of fish borne zoonotic trematode(FZT) infections for humans, little information exists on the epidemiology of these infections in the country's fish. Because of the importance of cultured cat-fish and snakehead production in An Giang province, a major production area in the Mekong Delta of Vietnam, a survey for FZTs was carried out in randomly selected fish farms between June 2005 and March 2006. For comparison, wild fish from the same area were also surveyed. A total of 852 cultured fish from 4 districts were collected and examined by pepsin digestion to determine their FZT infection status. In Tra catfish, the prevalence of all types of metacercariae was 2.6%, of which the prevalence of Haplorchis pumilio was 0.7%. The overall prevalence of metacercariae in wild fish was 30.6%, of which 10.3% harbored zoonotic species: H. pumilio(2.8%) and Procerovum sp.(5.6%). The prevalence of Opisthorchis metacercariae, which were diagnosed as O. viverrini, was 1.9%. No metacercariae were found in cultured snake head fish, although wild-caught snakehead fish had a FZT prevalence of 10.3%: 5.1% were O. viverrini; 2.6% H. pumilio; and 2.6% were Procerovum sp. These are the first reports of H. pumilio, Procerovum sp., and O. viverrini metacercariae in Vietnamese fish. These results indicate that consumption of improperly prepared fish represents a significant risk of acquiring FZTs in this south Vietnam region.

The Prevalence of Retirement Planning Among Women in Malaysia - A Conceptual Article

  • DAUKIN, Mellisa;MOHD ISA, Mohd Yaziz;MOHAMED, Zulkifflee
    • Journal of Wellbeing Management and Applied Psychology
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    • v.5 no.4
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    • pp.1-9
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    • 2022
  • Purpose: Many people recognize the fact that women are basically poor at financial and retirement planning. A small number of scholars have explored the factors and situations that influence the level of awareness of pre-retirement women and men with regards to planning for their retirement years. In most developing countries, including Malaysia, there are more men in the younger segment of the population and more women in the older segment, since women tend to live longer than men due to having jobs of relatively lower risk, their behaviors, and activities. Research design, data and methodology: Given that it is hard to predict whether they will be healthy in old age, women may require additional resources to obtain the care and assistance that they need. The transition from career life into retirement is a long process for people to go through. Some may be able to prepare for the next stage of life, and some may not be able to prepare due to personal reasons. Planning for future retirement is important because it will affect the quality of a woman's life after a certain age. Results: Without proper planning, women may face financial instability, depression, and poor psychological well-being. However, many women are unaware of their financial status or do not know their family's financial status, such as tracking the main income, budget, and expenses, financial commitments and have no proper record of assets owned, loans owed, or updated loan balances. Conclusions: The findings of this research have led to the conclusion that pre-retiree women are likely to regard their retirement savings as sufficient without realizing that they should have at least several types of savings instead of just one, and the grave consequences of not having any savings at all for their retirement years.