• The Journal of Asian Finance, Economics and Business
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• v.7 no.5
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• pp.119-130
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• 2020

The study seeks to evaluate the impacts of three types of credit - formal, semi-formal, and informal credits - on the well-being of households in Vietnam's rural areas. Based on data from the Vietnam Household Living Standard Surveys in 2014 and 2016, the research uses the instrumental variable fixed-effect models to estimate the effects of three kinds of credit on household's per capita income and expenditure. There are some significant findings. First, in rural areas, formal credit is the most popular source with stable and cheap borrowing costs. Informal credit is a complement to formal credit to meet urgent needs. Funding agriculture activities is the most commonly cited purpose of borrowing, followed by purchasing assets. The highest misuse rate belongs to the group of loans for agriculture production. Second, the results show that credit helps smoothen consumption rather than generate income for rural households. Three types of credit have insignificant or negative effects on household's per capita income. Formal loans significantly improve total expenditure and spending on healthcare and education. Informal and semi-formal credits show a little influence on consumption. Informal loans have a significantly positive effect on healthcare expenditure. In contrast, having semi-formal loans tends to decrease spending on foods.

• Journal of Elementary Mathematics Education in Korea
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• v.20 no.1
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• pp.131-148
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• 2016

Mathematical formal justification may be seen as a bridge towards the proof. By requiring the mathematically gifted students to prove the generalized patterned task rather than the implementation of deductive justification, may present challenges for the students. So the research questions are as follow: (1) What are the difficulties the mathematically gifted elementary students may encounter when formal justification were to be shifted into a generalized form from the given patterned challenges? (2) How should the teacher guide the mathematically gifted elementary students' process of transition to formal justification? The conclusions are as follow: (1) In order to implement a formal justification, the recognition of and attitude to justifying took an imperative role. (2) The students will be able to recall previously learned deductive experiment and the procedural steps of that experiment, if the mathematically gifted students possess adequate amount of attitude previously mentioned as the 'mathematical attitude to justify'. In addition, we developed the process of questioning to guide the elementary gifted students to formal justification.

• Journal of the Korean Home Economics Association
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• v.26 no.1
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• pp.123-136
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• 1988

This study attempts to shed some lights on an effect of consumer education by using the formal education as a proxy variable and measuring the effect of the formal education on consumer behavior. This study utilizes economic theories and develops a theory to analyze the effect. Within the conceptual framework employed in this study, it is hypothesized that education raises productivity in the nonmarket sector and thereby affects consumer behavior in the same manner as money income affects behavior. the data are taken from the self-administered questionnaires among 553 housewives in July 1987. the procedure used is to fit separate engel curves for the expenditures on various goods by the weighted regression technique. The empirical results support the hpothesis. Therefore, this study shows positive effects of education on the productivity of household production functions. This result implies that consumer education would enhance efficiency in consumer behavior significantly.

• Bulletin of the Korean Mathematical Society
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• v.38 no.4
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• pp.623-633
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• 2001

In this note we study the prime radicals of formal power series rings, and the shapes of them under the condition that the prime radical is nilpotent. Furthermore we observe the condition structurally, adding related examples to the situations that occur naturally in the process.

• Journal of Fisheries and Marine Sciences Education
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• v.20 no.3
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• pp.462-472
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• 2008

Education is a field that has tried to make use of the advantages of computers since they were introduced to the world. Intelligent Tutoring System and multimedia have become methods of teaching students of Computer Science, Education, Psychology, and Cognitive Science. Until now, they have been designed and produced only on the basis of a very specific domain and format. However, in the education field, most learners ask for integrated service that is practical, realizable, and sensitive to technological change. Therefore, in this study, we would like to present the technological and formal integration model as an ITS model which acknowledges changes in the fields of technology and education. As a technological integration model, the integration model of traditional Symbolic Artificial Intelligence and Artificial Neural Networks was presented. As a formal integration model, three integration models were presented according to (a) the process of learning diagnosis (b) learners' action behaviors (c) intelligence service respectively.

• World Technopolis Review
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• v.4 no.4
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• pp.222-237
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• 2015

Business plan competitions and related education are common activities to regions that are, or desire to be, important innovative and start-up regions. The literature is contradictory regarding the value of formal business plans (FBPs) toward venture planning, capital acquisition, and education. This study analyzes the relevant literature and sample of 35 FBPs to assess these contradictions. We propose the theoretical constructs of "myth and ceremony" to explain the loose coupling of FBPs to real business environments, an observation consistent with theory that suggests organizations perpetuate the myths of their institutional environment to maintain their legitimacy. We offer Action Business Planning as an alternative to more accurately address the realities of venture creation and survival, and for education.

• Korean Medical Education Review
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• v.19 no.3
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• pp.149-151
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• 2017

The educational goal of premedical education is to provide the desired college-level training in liberal arts as well as sciences, and to equip students with a basis for future medical studies. The purpose of this study was to introduce a premedical curriculum at Chonnam National University Medical School and to provide baseline data for developing an improved premedical curriculum. The reformed premedical curriculum has been followed since 2017. Formal premedical curriculum consists of basic education and character education through liberal arts study and major courses related to medical education. In addition to the formal premedical curriculum, students are supported through various programs that help develop interpersonal and intrapersonal competences.

• Journal of The Korean Association For Science Education
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• v.11 no.2
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• pp.23-30
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• 1991

The purpose of this study is to investigate the interrelationships on integrated science process skills and Piagetian cognitive modes for high school students according to the different cognitive reasoning levels. About 509 high school students were randomly selected for the samples of this study. They were identified as concrete, transitional and formal operational stage with the scores of GALT(Group Assessment of Logical Thinking) developed by Roadrangka, Yeaney and Padilla(1982), and TIPS II(Test of Integrated Process Skills) developed by Burns, Wise and Okey(1983). The result of this study were showed that about 11.8% of the samples were in the concrete operational stage and about 24.4% of the samples were in the transitional stage, while about 63.8% of them were in the formal operational stage. It was also found that the achivement scores of the science process skills increase in accordance with the cognitive reasoning levels. The value of the correlation coefficient between science process skills and cognitive reasoning abilities was 0.49, which was significant at the 0.05 level. This finding seems to support previous research that the student's cognitive reasoning abilities appeared to have influenced student's scores of the science process skills No differences to the logical reasoning ability between male and female students according to each cognitive level were found except formal operational stage.

• Journal of The Korean Association For Science Education
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• v.9 no.1
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• pp.19-37
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• 1989

The purpose of this study was to investigate the development of logical thinking and scientific reasoning pattern of Korean high school students. To carry out this study subjects were selected about 2,000 Junior high school students, and about 4,100 senior high school students throughout the nation. They were identified as concrete, transitional or formal operational stage with the use of TOLT(the Test of Logical Thinking) by Tobin and Capie(1980), and TOSR(the Test of Scientific Reasoning) by W.A Farmer(1986). This study turned out that more than 76% of Junior high school students were classified as the concrete operational stage and about 44% of senior high school students were classified as the formal operational stage, while about 26% of them were still in the concrete operational level. This study showed that the main factor of the intellectual development of students is learning by the gradual advancement of their grades and especially entrance into the senior high school rather than by the physical growth. This study also showed that there are the take-off stage of the development of logical thinking between fourteen and fifteen years of their ages. Less than 25% of junior high school students were in the formal operational stages which are capable of control of variables, probabilistic, correlation and combinational logic in problem-solving situation, while 33-54% of senior high school students were in the formal operational levels. 38% of junior high school students were in the formal operational stage which is capable of proportional logic, while about 55% of senior high school students were in the formal operational stage. Less than 20% of senior high school students were classified as group of highly capable of scientific reasoning, while more than 23% of them were classified as group of poor capability. It also turned out that there are differences or no differences between male and female students of each school in problem-solving situation regarding each logic approach. These differences were proved to be fluctuating depending on the situations and their grades. The other results of this study is similar to those of other researches such as Tomlinson-Keasey 1972, Coleman 1973, Lawson 1973, Lawson and Renner 1974, Neimark 1975, Han 1982, and Kim 1989.

• Hwankyungkyoyuk
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• v.16 no.2
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• pp.29-38
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• 2003

The main purpose of this study is to search a new perspective of environmental education through investigating of alternative education. Environmental education is introduced by needs of society for an effective way of solving environmental problems. But it also has a meaningfulness which is internal need of education for proposing and fostering ecological human corresponds with crisis of modernism. In spite of excessive rhetoric, vision of formal environmental education is very negative. Formal environmental education is restricted to optional course. So, its potential isn't fulfil. Education is both part of the problem and the solution. Education is proclaimed at high level as the key to a more sustainable society and yet it daily plays a part in reproducing an unsustainable society. If environmental education is to fulfil its potential as an agent of environmental problem solution, it becomes both part of the ideal and the practice of education. In this point, alternative education is a model of what environmental education ought to be. Environmental education and alternative education have a common ground in end of education and critical position to the modern education system.