• Title/Summary/Keyword: interest development

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An empirical study on the influence of product portfolio and interest rate on the lapse rate in the life insurance industry (생명보험산업에서 상품 판매비중과 금리가 해약률에 미치는 영향에 관한 연구)

  • Jung, Se-Chang;Ouh, Seung-Cheol;Kang, Jung-Chul
    • Journal of the Korean Data and Information Science Society
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    • v.22 no.1
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    • pp.73-80
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    • 2011
  • The purpose of this study is to analyse the influence of product portfolio and interest rate on the lapse ratio. This issue is very important because of the recent introduction of IFRS and CFP. The fixed-effect model and the random-effect model are estimated with using panel data and the Hausman test is employed in order to select a model. The results of this study is summarized as follows. Firstly, the random effect model is selected. According to the model, the lapse rate increases as the portfolio of savings plan, sickness, and death increases and the interest rate is high. Secondly, health insurance and variable insurance product show a negative relationship with the lapse rate.

Development and Application of Swatch Materials for Clothing and Textiles Education in Middle School (중학교 가정과 교육 의복재료 단원을 위한 실물 교육자료 개발 및 적용)

  • Kim, Ji-Sun;Hong, Kyung-Hwa
    • Journal of Korean Home Economics Education Association
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    • v.26 no.1
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    • pp.55-68
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    • 2014
  • The study aims to develop teaching and learning media to raise up learners' interests and understanding during clothing class by providing a clothing swatch materials and its guide for applying to the unit of clothing in technology and home economics subject in middle school. To do so, clothing swatch materials, study sheet and guide were developed, applied and then analyzed for their effects. In this study, in order to figure out effects of class using clothing swatch materials on learning interest, learning necessity, learning understanding and academic achievements, the experiment was conducted for comparing and analyzing the learning interest, learning acceptance attitude and academic achievement between experiment group with using clothing swatch materials and control group without using the materials. The results of the study are as follows: First, the experiment group using clothing swatch materials shows higher learning interest than the control group without materials. Second, the experiment group showed higher learning acceptance attitude than the control group. Third, the experiment group achieved higher academic accomplishments than the control group.

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An Analysis of Candidates' Library-field Promise in the Local Election (지방선거 후보자들의 도서관분야 공약 분석)

  • Kim, Sun-Ae
    • Journal of the Korean BIBLIA Society for library and Information Science
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    • v.22 no.1
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    • pp.155-170
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    • 2011
  • The purpose of this study was to analyze whether the promises of library field were, what the promises of candidates were, and whether the content of the promises showed the dissimilar tendency or discrepancy. The starting point of this study was that the library-related issues should be raised in the local election in order that library-related problems in the local area were considered as the policy. The standpoint of this research was based on the notion the library-related problems could be settled if the candidates have an interest in the library field. The range of this research was limited in the election conducted in June 2. 2010. Candidates' promises were collected through a questionnaire, categorized and analyzed by subject. According to the result of analysis, the most candidates had interest in establishing of library infrastructure, on the other hand they had no interest in collection development, library policy, allocation of budget, and job creation for librarian.

Implementation of Internet of Things Maker Kit Based on MQTT Protocol (MQTT 프로토콜 기반의 사물인터넷 메이커 키트 구현)

  • Kwon, Dong-hyeon;Lim, Ji-yong;Heo, Sung-uk;Kim, Gwan-Hyung;Oh, Am-suk
    • Journal of the Korea Institute of Information and Communication Engineering
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    • v.21 no.11
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    • pp.2145-2152
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    • 2017
  • As the ubiquitous paradigm that allows users to access the Internet anytime and anywhere is expanding, the expectation and interest of the Internet is increasing. As interest in the Internet has increased, interest in open source hardware has also increased. As a result, the maker, who is a creator who actually uses the digital production tools to create a product that he thought, is emerging as a new trend. As these makers shared how to make products, the 'maker movement', an open source manufacturing movement, spread. In the case of the domestic market, the government's policy support is also stimulating the maker movement. However, compared to developed countries, there is not enough awareness and environment of maker culture, and only open platform hardware and software are used without special education / development equipment or kit for maker.

A study of College Students smoking behavior and smoking related characteristics in one region (일지역 대학생들의 흡연행태와 흡연관련 특성)

  • Kim, Sung-Woo
    • The Journal of Korean Society for School & Community Health Education
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    • v.13 no.2
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    • pp.59-76
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    • 2012
  • Objectives: This study Development of a healthy college life, and effective for smoking cessation programs for education is to utilize as a basis for. Methods: The study employs frequency analysis, cross-analysis and correlation analysis through SPSS Win 17.0 on 296 (84.6% of total participants) from the entire participants of 350. The significance test is delivered with ${\chi}^2$-test. Results: 1) The participants consist of 47.7% (147) males and 52.3% (161) females. 78.2% (241) has experience of smoking cessation program at high school. 61.7% (190) has parents who are smoking. 40.9% (126) answers that they are currently smoking while 59.1% (182) answers that they are not. 2) When asked about their perception on quitting smoking, 81.2% (250) says that non-smokers are distressed by others' smoking. 74.0% (228) has unpleasant experience with cigarette smoke. 3) The analysis of the relation between smoking cessation program at high school and smoking shows that 63.8% of the ones who have experience of the program are non-smokers while 68.7% of those with no experience of the program are smokers. 4) Among those who have tried to quit smoking, 73.9% have experience of smoking cessation program at high school. 31.8% of these participants also reveal their interest in the cessation program. 5) In the analysis of the correlation between smoking habits, the experience of smoking cessation program at high school is closely related to non-smoking while current smoking habit is highly related to the strong interest in participation of cessation program. Also, the more interest they have in participating, the stronger needs they feel for smoking prevention program at college. Conclusion: Therefore, the last phase of education-related courses at the University of educated and credits granted through open non-smoking pledge, non-smoking club, non-smoking camps, training programs, such as smoking in non-smoking education and programs for students interested in openness and participation must be done will.

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Study of the influential factors of repurchase intention and word-of-mouth intention of men in their 20's and 30's in social commerce - Focused on social commerce characteristics and consumers' personal characteristics - (소셜커머스에서 20~30대 남성의 재구매 의도와 구전 의도에 영향을 미치는 요인 연구 - 소셜커머스 특성과 소비자 개인 특성을 중심으로 -)

  • Shin, Su-Yun
    • The Research Journal of the Costume Culture
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    • v.25 no.1
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    • pp.1-15
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    • 2017
  • Social commerce is a kind of internet shopping mall in which consumers purchase the products with other consumers through mutual interactions including the development of SNS(social network service). Social commerce has expanded rapidly as a mainstream online shopping mall over the past five years driving consumers to purchase more fashion products providing the cheaper prices than open market internet shopping mall. The purpose of this study is to identify the important parameters of social commerce characteristics and consumer characteristics that affect repurchase intention and word-of-mouth intention. A 221 survey questionnaire was distributed to men in their 20's and 30's who live in Seoul metropolitan area. The data were analyzed utilizing Cronbach's ${\alpha}$, factor analysis, and regression analysis using the SPSS 18.0 program. The results revealed, first, that in terms of social commerce characteristics, three variables(website reputation, interactivity, and product scarcity) influenced repurchase intention. Among them, website reputation identified as the most important factor influencing repurchase intention and word-of-mouth intention. Second, with regard to consumer characteristics, interest and a tendency toward impulse buying affected the repurchase intention, and interest and internet shopping experience have influenced the word-of-mouth intention. Among three variables interest in social commerce identified as the key factor affecting both repurchase intention and word-of-mouth intention. The results of the study provide the practical implications and suggest the business strategies to enhance social commerce in the future by identifying the key social commerce characteristics and consumer characteristics that influence male consumers' buying behaviors.

A Mobile Tour Guide System using Wearable See-through Device and Hand-held Device based on Shared Touring Context (여행자 상황 정보 기반 안경형 웨어러블 디바이스 및 핸드헬드 디바이스 투어 가이드 시스템)

  • Kim, Doyeon;Seo, Daeil;Yoo, Byounghyun;Ko, Heedong
    • Journal of the HCI Society of Korea
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    • v.11 no.1
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    • pp.29-38
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    • 2016
  • Mobile tour guide applications help tourists to search for and visit their surrounding POIs(Points of Interest) of their locations and to obtain their guide information. With the development of wearable devices like smart watches and wearable glasses, people using multiple mobile devices are increasing; a tourist may use a hand-held device, a wearable device or both to obtain tour information. However, most mobile tour guides using mobile devices provide the tour information with little consideration of their hand-held and wearable characteristics. In particular, a tourist with multiple mobile devices who search for the tour information from multiple mobile devices must input their intention separately to each device. To alleviate these problems, we propose a mobile tour guide system with the following features: one is to reduce redundant user input by sharing the touring context between hand-held and wearable devices; the other is to present tour information according to capabilities and usage pattern of the devices. The proposed system guides tourists by complementing disadvantage of the devices and also minimizes user interaction between applications and tourists.

Estimating the Tax Revenue Function of the Personal Incomes (개인소득세수함수(個人所得稅收函數) 추정(推定))

  • Roh, Kee-sung
    • KDI Journal of Economic Policy
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    • v.12 no.4
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    • pp.71-95
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    • 1990
  • The purpose of this paper is to estimate the revenue function of the personal income tax of Korea. Unlike the traditional approach employing the data adjustment, this paper explicitly includes the explanatory variables of the tax rate or schedule in the revenue function and further estimates the functions by income sources such as labor, interest, global, and dividend incomes. One of the main findings is the GNP elasticity of the combined personal income tax is around 1.2 when evaluated on the basis of the estimates of the GNP elasticities of tax revenue from respective income sources, which is somewhat smaller than those in the previous studies. Another interesting result is that the GNP and interest rate elasticities of the interest income, are found around one and .15 respectively, as expected. Also, the estimate of the tax-free income coefficient is significantly negative in the labor income tax revenue function.

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The Effect of Appearance Management on Body Image and Psychological Well-Being (외모관리행동에 따른 신체이미지 및 심리적 안녕감)

  • Hwang, Jin-Sook;Kim, Yun-Hee
    • Journal of the Korean Society of Costume
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    • v.56 no.3 s.102
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    • pp.143-155
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    • 2006
  • This study aims to examine the difference of body image and psychological well-being of men and women according to appearance management. The subjects of the study were 673 college students who lived in Seoul and metropolitan areas. Statistical analyses used in the study were factor analysis, Cronbach's a, cluster analysis, ANOVA, Duncan test and $\chi^2-test$. The results of this study were as follows; 1. The body image was categorized into the three factors of personal interest innce, anxiety about weight and physical attraction. Appearance management was categorized into the appearance management through clothing, strict diet therapy and daily appearance management. The psychological well-being was classified as seven factors which include the life goal, self-acceptance, positive personal relations, self-regulation, personal development, environment control and responsibility. 2. The appearance management was classified by 4 groups as below: Daily appearance management group, strict diet therapy group, appearance management through clothing group and no interest in appearance group. 3. There were significant differences among the four groups regarding body image, psychological well-being and life satisfaction. First, appearance management through clothing group had more interest in appearance than other groups. In the case of weight awareness, strict diet therapy group and the appearance management through clothing group intended to have more concerns over their weight. The strict diet therapy group seemed to have an overall lower level of psychological well-being than other groups. Lastly, the appearance management through clothing group had a higher level of life satisfaction.

An Analysis of Effects and Attitude-Interest of Small Group Cooperative Learning on Some Areas in Elementary School Mathematics (수학과 영역별 소집단 협동 학습의 효과 및 태도ㆍ흥미도 분석)

  • Kwon Kun-Hwa;Park Jong-Seo
    • Journal of Elementary Mathematics Education in Korea
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    • v.6 no.1
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    • pp.41-58
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    • 2002
  • This study examines effects of small group cooperative learning on areas of mathematics such as number and calculation, figure, and measurement, and changes of attitude-interest in math in elementary schools. Seventy eight second graders from Jinhae City were divided into the experimental group and the control group. The experimental group was subdivided into small groups of four students who belonged in different levels of math performance. The subdivision was renewed whenever each area was covered. An examination paper which had been developed by Ministry of Education & Human Resources Development and Kyeongsangnamdo Office of Education was given to the subjects. Also, a questionnaire was developed and given to the participants. The results show that, in general, the small group cooperative learning had good effects on the students' ability to solve math problems and, in articular, greater effects on the ability of low-level students. It is revealed that the interaction between the students in small groups affected their attitudes toward and interest in mathematics in a positive way, but did not make perceivable changes in self-confidence of the young Learners.

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