• Title/Summary/Keyword: access to credit

Search Result 67, Processing Time 0.031 seconds

A Study on the Effects of Teacher Librarians' Media and Information Literacy Classes: Focused on the High School Credit System (사서교사의 미디어 정보 리터러시 수업 효과에 관한 연구 - 고교학점제를 중심으로 -)

  • Bong-Suk Kang;Juhyeon Park
    • Journal of the Korean Society for Library and Information Science
    • /
    • v.57 no.2
    • /
    • pp.179-198
    • /
    • 2023
  • The purpose of this study is to verify the role of teacher librarians by examining the cases of media and information literacy(MIL) classes in the joint curriculum of high school credit system research school. The classes were two 34th classes joint curriculum established by two teacher librarians at the high school credit system research school. Individual students set their own inquiry problems integrated with their careers or subjects, and teacher librarians guide the process of solving them based on the process of using MIL. The participants were 22 high school students in Daegu who filled out the questionnaire before and after completing the course. The effect of the classes was analyzed through a questionnaire consisting of 42 questions for the 3 factors of access, evaluation, and creation, which are the components of MIL announced by UNESCO. As a result, all 3 factors and 25 of the sub-42 survey items showed a statistically significant difference before and after class, It was investigated that literacy of students improved through MIL education of teacher librarians. Through this study, it will be possible to expand the awareness of the effect of the educational role of teacher librarians in the flow of future curriculum.

Demand and Awareness of Dental Hygienists for Academic Credit Bank System According to Different Regions (지역별 치과위생사의 학점은행제에 대한 인식 및 요구)

  • Yang, Seung-Kyeong;Kim, Eun-Hee
    • Journal of dental hygiene science
    • /
    • v.8 no.4
    • /
    • pp.313-322
    • /
    • 2008
  • The purpose of this study was to examine the awareness of dental hygienists in different regions about credit bank system and their needs for that. The subjects in this study were 312 dental hygienists in dental hospitals and clinics in Seoul, Gyeonggi province, metropolitan cities, Gangweon province and Gyeongsang province. After a survey was conducted in 2008, the collected data were analyzed with SPSS 11.5 program. The findings of the study were as follows: 1. In regard to perception of the credit bank system, 68.3 percent of the dental hygienists were cognizant of that. The dental hygienists from most of the geographic areas were aware of it, but all the forty three dental hygienists from Gangweon province who accounted for 13.8 percent didn't know about that. As for media by which they acquired information on that, many of the dental hygienists learned about it from their acquaintances (46.2%), but that was not the case for the dental hygienists from Seoul and Gyeonggi province. 2. As for expectations for the credit bank system, those from Gyeongsang province had the greatest expectations for that in six out of nine items, which included academic or job performance improvement, acquisition of credits, degree or certificates and access to new technology. 3. Concerning educational spending on the credit bank system, 18.9 percent and 8.7 percent from Seoul/Gyeonggi province and Gangweon province spent less than 30 thousand won, and 19.9 percent from the metropolitan cities spent 30 thousand to less than 50 thousand won. 4. As for the importance of the categories of their major in the credit bank system, those from Gangweon province attached the most importance to oral health education ($3.56{\pm}1.259$), and the dental hygienists from the metropolitan cities put the most stress on preventive treatment ($3.64{\pm}1.191$).

  • PDF

An Analysis of Information Literacy Instruction for College Students (정보활용 교양교육에 대한 수강생의 수용 양태에 관한 연구)

  • Choi Sanghee;Park Myung-Kyu
    • Journal of the Korean Society for Library and Information Science
    • /
    • v.39 no.3
    • /
    • pp.121-137
    • /
    • 2005
  • The objective of this study is to provide a basis for information literacy instruction in college education. For this purpose, assignments and surveys were distributed to the students in a 3 credit course that deals with the characteristics of information society and information literacy competency. Assignments and surveys were about identification of the information needed and access to the needed information, since that is the first step for the information seeking process. The results were analysed by qualitative methods.

Livelihood sustainability of small-scale fishing households: an empirical analysis of U Minh wetland, Ca Mau province, Vietnam

  • Nguyen Thi Kim Quyen;Dang Thi Phuong;Vu Dang Ha Quyen
    • Fisheries and Aquatic Sciences
    • /
    • v.27 no.9
    • /
    • pp.552-564
    • /
    • 2024
  • This paper used the UK Agency for International Development sustainable livelihood framework to measure small-scale in-land fishing household's livelihood by sustainable livelihood capital index in the vulnerable context of aquatic natural resource depletion in the wetland forest of Ca Mau province, Vietnam. Findings indicated that fishing households' livelihood capital is unsustainable and inadequate. The result took note of the beneficial physical capital while underlining the human, natural, financial, and social capital's limitations in achieving livelihood sustainability. The limitations were found to be a low score of composite index of sustainable livelihood capital (less than an average score of 0.5) whereas the outstanding score of physical capital was found. Providing training in the adoption of new livelihood models, learning livelihood diversification, access to formal credit, and appropriate coverage of social safety-net programs might help mitigate the unsustainable livelihood of inland fishing households.

Comparative Profitability of Women Dominated Fish-based Livelihood Activities in Southwest, Nigeria

  • Mafimisebi, T.E.;Ikuemonisan, E.S.;Mafimisebi, O.E
    • The Journal of Economics, Marketing and Management
    • /
    • v.3 no.3
    • /
    • pp.7-23
    • /
    • 2015
  • Women are more disadvantaged than men in many fronts and this confines them to informal sector livelihood activities. Any attempt to improve women's economic status will require information on the organization, cost and returns to investment in the livelihood activities in which they predominate. This is the issue for this study which compared yield performance in artisanal fishing and fresh fish marketing. Primary data collected through multi-stage sampling method were analyzed using inferential statistics, budgeting and regression models. Empirical findings revealed that about 75.0% of fisher folks either had no formal education or acquired only primary school education while 50.0% of marketers had secondary school education. The budgeting model revealed fisher-folks' and marketers' annual net profit to be N2,882,626.00 and N640,227.00, respectively. Profit from fishing was significantly higher than that of fish marketing. At 53.2% for fishing and 40.3% for marketing, returns to investment was better in fishing. Regression model results showed the significant factors influencing returns to each livelihood strategy to include fishing ground, distance covered and years of experience. The major constraint faced by operators of both livelihoods groups was insufficient credit. Despite this, the livelihood strategies were shown to be profitable ventures which contributed to households' consumption expenditure. Organizing women informal sector operators into groups to enhance access to government support and formal credit are recommended for improving livelihood strategy performance.

Revisiting the Asian Financial Crisis: Is Building Political Ties with Emerging Political Elites Beneficial during a Crisis?

  • Kyung Hwan Yun;Chenguang Hu
    • Journal of Korea Trade
    • /
    • v.26 no.4
    • /
    • pp.63-82
    • /
    • 2022
  • Purpose - Drawing on relational institutional theory, we explored how demographic similarity between board members of a firm and newly emerged political elites led to firms' increased financial resource acquisition such as leverage ratio and decreased export intensity amidst the Asian financial crisis. We also studied how a firm's leverage ratio and export intensity can further affect firm profitability and financial credit rating. Design/methodology - We revisited and explored a unique, unprecedented crisis that affected most Korean firms: the Asian financial crisis that coincided with a governmental shift from a conservative to a liberal party. We collected demographic information from 432 listed Korean firms' board members and 43 political elites of the Blue House from 1998-2000 to create a demographic similarity measurement. We collected firms' financial information, built panel data, and used ordinary least squares regression to test our theory. Findings - Our results showed that demographic similarity between a firm's directors and newly emerged politicians had a positive association with a firm's leverage ratio but a negative association with a firm's export intensity. A firm's leverage ratio had a negative relationship with firm performance measured by firm profitability and financial credit rating. A firm's export intensity showed a positive effect on firm performance. Originality/value - We highlighted that during an economic crisis that coincided with a governmental shift and change of leading political actors, firms exerted efforts to survey the environment and build new external stakeholder relationships to cope with the changing landscape. We proposed that in an emerging market like Korea where low levels of trust and favoritism are prevalent across society, one of the relational institutional strategies that firms can employ is the selection of directors with similar demographic characteristics to political elites based on factors including birthplace and school affiliations. We examined the efforts of firms to build political networks with newly empowered political elites during a financial crisis, and the consequences of establishing such networks. We highlighted that during a financial crisis, the demographic similarity between a firm's board members and newly emerged politicians can provide firms with access to financial resources but can also result in poor management and reduced effort to enhance its international competitiveness.

A Study on IPA-based Competitiveness Enhancement Measures for Regular Freight Service (IPA분석을 이용한 정기화물운송업의 경쟁력 강화방안에 관한 연구)

  • Lee, Young-Jae;Park, Soo-Hong;Sun, Il-Suck
    • Journal of Distribution Science
    • /
    • v.13 no.1
    • /
    • pp.83-91
    • /
    • 2015
  • Purpose - Despite the structural irrationality of multi-level transportation and the oil price rise, the domestic freight transportation market continues to grow, mirroring the rise in e-commerce and resultant increase in courier services and freight volumes. Several studies on courier services have been conducted. However, few studies or statistics have been published regarding regular freight services although they have played a role in the freight service market. The present study identifies the characteristics of regular freight service users to seek competitiveness enhancement measures specific to regular freight services. Research design, data, and methodology - IPA is a comparative analysis of the relative importance of and satisfaction with each attribute simultaneously. This study used IPA because it facilitates the process of analyzing importance and performance, deriving implications and a visual understanding of results. To enhance the competitiveness of regular freight services, this study surveyed its current users regarding the importance of the regular freight service factors. A total of 200 copies of a questionnaire were circulated and 190 copies were returned. In addition to demographics, respondents answered questions about the importance of and satisfaction with services on a 5-point Likert scale. Excluding 3 inappropriate copies, 187 out of 190 copies were analyzed. PASW Statistics 18 was used for statistical analysis. A total of 20 question items were selected for the service factors presented in the questionnaire based on the 1st pilot survey and previous studies. Results - According to the IPA performed to compare the importance of and satisfaction with service factors, both importance and satisfaction are high in the 1st quadrant, which involves the economic advantage of using regular freight services, quick arrival at destinations, weight freight handling, and less time constraints on freight receipt/dispatch. This area requires continuous management. Satisfaction is higher than importance in the 2nd quadrant, which involves the adequacy of freight, cost savings over ordinary courier services, notification on freight arrival, and freight tracking information. This area requires intensive investment and management. Satisfaction is lower than importance in the 3rd quadrant, involving the credit card payment system, courier delivery service, distance to freight handling sites, easy access to freight handling sites, and prompt problem solving. This area requires further intensive management. Both importance and satisfaction are low in the 4th quadrant, involving the availability of collection service, storage space at freight handling sites, kindness of collection/delivery staff, kindness of outlet staff, and easy delivery checks. This area is a set of variables should be excluded from priority control targets. Conclusions - Based on the IPA, service factors that need priority controls because of high importance and low satisfaction include the credit card payment system, delivery service, distance to freight handling sites, easy access to freight handling sites, and prompt problem solving. The findings need to be applied to future marketing strategies for regular freight services and for developing competitiveness enhancement programs.

The Effect of Equity Crowdfunding on Job Creation (주식형 크라우드 펀딩이 고용창출에 미치는 효과)

  • Chun, Hesuk
    • The Journal of the Korea Contents Association
    • /
    • v.15 no.12
    • /
    • pp.541-549
    • /
    • 2015
  • Research about U.S. and European countries demonstrated that startups and young firms account for nearly all net job creation. If we want to bring down unemployment and to increase economic growth rate, we need to create new companies and to make them to grow. Credit availability is one of the most important factors for entrepreneurs as they attempt to start or expand a business. For young firms, access to credit for business growth can mean the difference between survival and failure. Equity crowdfunding is an innovative means of raising capital for businesses. Crowdfunding campaigns can give new business access to a large pool of investors. This brings huge benefits for marketing and increase provability of success of business and ROI, so it leads follow-on investment from Venture Capital and Angel investors. In Korea, the survival rate of startups and average growth rate of survivors is far lower than those of the U.S or other countries due to lack of funds for startup or early business growth. Equity crowdfunding can be a new funding source for venture or startups. It can increase startup and survival rate, in addition to the growth rate of survivors, resulting in decreased unemployment rate. In Korea, Equity crowdfunding will be available from 2016. Further study is needed to determine whether the impact of crowdfunding in Korea on job creation will be similar to its impact in the U.S.

A Study on Determinants of the Number of Banking Relationships in Korea: Firm-specific Determinants and Effects of Business Cycle (우리나라 기업의 거래은행 수 결정요인에 관한 연구: 경기변동의 영향을 포함하여)

  • Hwang, Soo-Young;Lee, Jung-Jin
    • Management & Information Systems Review
    • /
    • v.36 no.4
    • /
    • pp.53-80
    • /
    • 2017
  • The purpose of this study is to examine the determinants of the number of bank relationships in Korea. Firm-specific determinants considered here include leverage, size, age, return on asset, investment grade, tangibility, liquidity, R&D expenditure. We estimate the effects of these variables, and compare the results with those from previous studies performed for other economies. Concerning the effects of business cycle, we find that the business cycle is an important factor in determining the number of bank relationships. The number of bank relationships varies over the business cycle, and we notice a counter-cyclical behavior, which means the number decreases during economic expansions and increases during contractions. This result can be interpreted as a result of firms' diversification of borrowings into multiple banks in order to reduce the liquidity risk during the recession. In the subsets, however, the number of bank relationships for large firms is stable regardless of the business cycle. Unlisted firms, non-chaebol, and low credit quality firms which have relatively limited access to alternative sources of financing show counter-cyclical behavior. Finally, such phenomena is not observed in the non-competitive credit market, while they show a counter-cyclical behavior in the competitive credit market.

  • PDF

Determinant Factors of Rice Farmers' Selection of Adaptation Methods to Climate Change in Eastern Rwanda (동부 르완다 쌀 농업인의 기후변화에 대한 적응 방법 결정 요인)

  • Butera, Tonny;Kim, Tae-Kyun;Choi, Se-Hyun
    • Korean Journal of Organic Agriculture
    • /
    • v.30 no.2
    • /
    • pp.241-253
    • /
    • 2022
  • The negative impact of climate change on the agricultural sector is rapidly increasing, and it is urgent to prepare policies at the government level to mitigate it. In the case of Rwanda's agricultural sector, which lacks the government's budget and farmers' capital, efficient and effective policy implementation is of paramount importance. To this end, rather than establishing related policies in the public sector from the top down, it is necessary to establish a bottom-up customized policy that is reflected in policy establishment by identifying the characteristics and behaviors of farmers who actually participate in adaptation activities. In this study, the effects of farmers' characteristics and farmers' perception status/adaptation status to climate change on the selection of adaptation methods for climate change were analyzed. 357 rice farmers randomly selected from Eastern Rwanda were surveyed to explore the information related to farmers' perception to climate change and adaptation methods as well as basic information of the farm. Research shows that the probability of selecting a variety of adaptation methods rather than not responding to climate change increases the younger the age, the higher the education level, and the easier access to climate information and credit. As a policy proposals, it is judged that public support such as strengthening agricultural technology support services, including more detailed guidance for elderly and low-educated farmers, and improving access to farm loan services by agricultural financial institutions is needed. In addition, it is necessary to adjust the planting time and cultivation method, provide timely information related to climate change, and provide crop variety improvement services to farmers.