• Title/Summary/Keyword: loan

Search Result 646, Processing Time 0.023 seconds

An Analysis of College Tuition and Student Aid Policies in the USA (미국 대학의 등록금 정책과 학자금 정책 분석)

  • Ko, Jang Wan
    • Korean Journal of Comparative Education
    • /
    • v.26 no.3
    • /
    • pp.133-160
    • /
    • 2016
  • The purposes of this study were to examine the college tuition and student aid policies in the USA and to provide implications to Korean higher education. To accomplish these purposes, college tuition policies and student financial aid policies by federal and state governments in the United States were analyzed. Regarding tuition policies, the federal government has tried to minimize the impact of recent tuition increases by using methods like establishing various college affordability acts and government regulations. As a result, the federal government established a new law and was able to publicize a list of higher education institutions charging higher tuition levels and increasing tuition and fees at a higher rate. State governments also have introduced and implemented tuition policies such as tuition caps and linking tuition increase to student financial aid. Regarding student financial aid policies, Obama administration has emphasized grant programs which, unlike loan programs, have no further burden placed upon students. These efforts certainly produced desired results. Related policy implications from this study were provided for tackling tuition issues in Korean higher education.

Evaluation of Dynamic Characteristics for a Submerged Body with Large Angle of Attack Motion via CFD Analysis

  • Jeon, Myungjun;Mai, Thi Loan;Yoon, Hyeon Kyu;Ryu, Jaekwan;Lee, Wonhee;Ku, Pyungmo
    • Journal of Ocean Engineering and Technology
    • /
    • v.35 no.5
    • /
    • pp.313-326
    • /
    • 2021
  • A submerged body with varied control inputs can execute large drift angles and large angles of attack, as well as basic control such as straight movement and turning. The objective of this study is to analyze the dynamic characteristics of a submerged body comprising six thrusters and six control planes, which is capable of a large drift angle and angle of attack motion. Virtual captive model tests via were analyzed via computational fluid dynamics (CFD) to determine the dynamic characteristics of the submerged body. A test matrix of virtual captive model tests specialized for large-angle motion was established. Based on this test matrix, virtual captive model tests were performed with a drift angle and angle of attack of approximately 30° and 90°, respectively. The characteristics of the hydrodynamic force acting on the horizontal and vertical surfaces of the submerged body were analyzed under the large-angle motion condition, and a model representing this hydrodynamic force was established. In addition, maneuvering simulation was performed to evaluate the standard maneuverability and dynamic characteristics of large-angle motion. Considering the shape characteristics of the submerged body, we attempt to verify the feasibility of the analysis results by analyzing the characteristics of the hydrodynamic force when the large-angle motion occurred.

Calculation of Jaws-only IMRT (JO-IMRT) dose distributions based on the AAPM TG-119 test cases using Monte Carlo simulation and Prowess Panther treatment planning system

  • Luong, Thi Oanh;Duong, Thanh Tai;Truong, Thi Hong Loan;Chow, James CL
    • Nuclear Engineering and Technology
    • /
    • v.53 no.12
    • /
    • pp.4098-4105
    • /
    • 2021
  • The aim of this study is to calculate the JO-IMRT dose distributions based on the AAPM TG-119 using Monte Carlo (MC) simulation and Prowess Panther treatment planning system (TPS) (Panther, Prowess Inc., Chico, CA). JO-IMRT dose distributions of AAPM TG-119 were calculated by the TPS and were recalculated by MC simulation. The DVHs and 3D gamma index using global methods implemented in the PTW-VeriSoft with 3%/3 mm were used for evaluation. JO-IMRT dose distributions calculated by TPS and MC were matched the TG-119 goals. The gamma index passing rates with 3%/3 mm were 98.7% for multi-target, 96.0% for mock prostate, 95.4% for mock head-and-neck, and 96.6% for C-shape. The dose in the planning target volumes (PTV) for TPS was larger than that for the MC. The relative dose differences in D99 between TPS and MC for multi-target are 1.52%, 0.17% and 1.40%, for the center, superior and inferior, respectively. The differences in D95 are 0.16% for C-shape; and 0.06% for mock prostate. Mock head-and-neck difference is 0.40% in D99. In contrast, the organ curve for TPS tended to be smaller than MC values. JO-IMRT dose distributions for the AAPM TG-119 calculated by the TPS agreed well with the MC.

The Modern Chinese Literature and Philosophy of Nietzsche: Focusing Acceptance of the Nietzsche's Philosophy on Guo Mo Ruo and Mao Dun (중국신문학과 니체철학 - 곽말약(郭沫若)과 모순(茅盾)의 니체사상 수용을 중심으로)

  • Ko, Hae-kyung
    • Cross-Cultural Studies
    • /
    • v.33
    • /
    • pp.241-262
    • /
    • 2013
  • Nietzsche in the early 20th century, many Western thought came to China pushed the time, who want to reform the Chinese young intellectuals was a great welcome. Around 5.4 times writers representing China Journalism Guo Mo ruo Mao Dun and social needs of the times according to the spirit, according to their ideology, no tubes and four optional understand Nietzsche. Was acceptable, in the process, Nietzsche was transformed hem into various forms. In this paper, two Guo Mo ruo Mao Dun accept Nietzsche as Nietzsche socreated their own awards and also looked at these similarities and difference. Nietzsche Guo Mo ruo the remnants of the old feudal ideas and traditions were to break down and accept only select perspective. Nietzsche's self-discovery and individual liberty, and against the reality and accept the terms of loan 5.4 seconds, an ideal Nietzsche award was created. However Guo Mo ruo particular aspect of the acceptance of Nietzsche, whereas Nietzsche regarded as an extreme pessimist history, and his extreme caution and idealistic form of individualism was often criticized. Mao Dun the core ideas of Nietzsche 'Superman' and 'will power' noted. 5.4 All time view of life, a new morality must re-evaluate the need for a practical, based on the old tradition of Nietzsche completely against the spirit of rebellion was to have especially appreciated. But this was different Mao Dun Nietzsche and moral beliefs. What is the old morality Nietzsche corrupt, bourgeois morality and ethics, and was negative for democracy and freedom, Mao Dun dark realities facing the old Chinese feudal and traditional idea ofrevolution as a democrat were negative for. Guo Mo ruo Mao Dun optional for Nietzsche's acceptance was 5.4 times that contemporary needs can be met.

Toy Library Rental and Return Systems Based on Web (웹을 기반으로 한 장난감 도서관 대여 및 반납 시스템)

  • Kim, Eunkyeong;Bok, Kyoungsoo;Yoo, Jaesoo
    • The Journal of the Korea Contents Association
    • /
    • v.19 no.8
    • /
    • pp.172-183
    • /
    • 2019
  • Modern society has a tendency to raise fewer children. As a result, parents became more interested in their children's creative ways of thinking and began to look for new ways of teaching. The child care support center expects a positive effect by lending various toys and books to improve the physical, emotional and social characteristics of children and to help reduce household burden on parents. In this paper, we design and implement a rental return system to effectively utilize a toy library operated by the child care support center. The proposed system makes it easy for any user to search for items in any branch operated by the Child Care Support Center and to manage loan return records. The administrator can manage data such as loans, returns, and past due from the rental return processing system, and effectively operate the child care support center through statistics of data generated. Children are expected to be given a variety of entertainment cultures and cultural benefits to their families to ease the burden of parenting.

Disease-Related Vocubulary and its translingual practice in Late 19th to Early 20th century (19세기 말 20세기 초 질병 어휘와 언어횡단적 실천)

  • Lee, Eunryoung
    • Journal of Sasang Constitutional Medicine
    • /
    • v.31 no.1
    • /
    • pp.65-78
    • /
    • 2019
  • Objectives This study aims to investigate how the Korean disease-related vocabulary is established or changed when it is translated into French or English. Through this, we examine changes in the meaning of diseases and the ecosystem of disease-related vocabulary in transition period of $19^{th}$ to $20^{th}$ century. Methods Korean disease-related vocabulary are extracted from a total of 148,000 Korean headwords included in our corpus of three bilingual dictionaries. Among them, the scope of analyisis is limited to group of vocabularies that include a high frequency words, disease(病) and symptom(症). Results The first type of change is the emergence of a neologism. In this case, coexistence of existing vocabulary and new words is observed. The second change is the appearance of loan words written in Hangul. The third is the case where the interpretation of meaning is changed while maintaining the word form. Finally, the fourth change is that the orthographic variants are displayed while maintaining the meaning of the existing vocabulary. Discussion Disease-related vocabulary increased greatly between 1897 and 1931. The increasing factor of vocabulary was the emergence of coined words, compound words and the influx of foreign words. The Korean language and the Western language made a new lexical form in order to introduce a new unknown concept to the Korean. We could also confirm that the way in which English word expanded its semantic field by modifying the way of representing the meaning of Korean Disease-related vocabulary.

A Study on the Provision of Preferential Services for Excellent Users to Promote the Use of Public Libraries (공공도서관 이용 증진을 위한 우수 이용자 우대서비스 제공에 관한 연구)

  • Nam, Jae Woo;Choi, Won Tae
    • Journal of the Korean Society for Library and Information Science
    • /
    • v.55 no.1
    • /
    • pp.305-321
    • /
    • 2021
  • VIP marketing strategy is mainly applied to commercial companies. This study proposed a plan to provide preferential services to excellent users of public libraries by referring to VIP marketing strategies. For this purpose, we surveyed 210 university students in their 20s and measured their Reliability, Empathy, overall usefulness for preferential service. As a result, 'Issue special membership card', 'provide exclusive lounge', 'additional book loan' services had common effects on three measurement items. Through these research results, this practical study can be used as a reference when public libraries implement preferential services in the future.

Design Research of Blockchain, Machine Learning for the management of financing fund (융자성 기금관리를 위한 블록체인, 머신러닝 설계 연구)

  • Oh, Rag-seong;Park, Dea-woo
    • Journal of the Korea Institute of Information and Communication Engineering
    • /
    • v.23 no.10
    • /
    • pp.1201-1208
    • /
    • 2019
  • The government has operated financing fund under the National Finance Act for the smooth conduct of national policy. But, It is exposed to problems such as the possibility of abuse of fund and the lack of after-loan management. In this paper, It uses fintech such as the blockchain and machine learning to solve these problems. The fund operation procedure is designed as a consortium blockchain, and it suggests the application of PBFT negotiation algorithm and the smart contract. In case of the fund management, it suggests utilizing multilayer artificial neural network model of machine learning and a module of result interpretation. The introduction of this research approach will improve the transparency and efficiency of the financing fund, ensure the credibility and also contribute to the improvement of the fund management and the establishment of the fund policy.

A Study on the Need to Introduce Super-Long-Term Mortgage to Expand Freedom of Housing Choice (주거선택 자유 확대를 위한 초장기 모기지 도입 필요성에 관한 연구)

  • Hong, Sung-Hyun;Hong, Hee-Jeong
    • Journal of Digital Convergence
    • /
    • v.19 no.2
    • /
    • pp.13-19
    • /
    • 2021
  • The purpose of this study is to find a reasonable solution that is compatible with the government's policy on calming the overheated housing market and the needs of prospective home buyers. For this purpose, this study analyzed the current state of the housing market and looked at the root cause of the people's desire to purchase housing. And this study suggested the need to introduce a super-long-term mortgage system that can help people choose whether to own or rent a house in accordance with individual preferences. The super-long-term mortgage system would be useful in that the majority of people who currently use mortgages prefer long-term loan products and that it could provide a chance to "get their own homes" by easing the monthly repayment burden for those who want to have homes. If the system is introduced in the future, it is necessary to make efforts for stable operation such as risk-hedge. In particular, the government should apply a limited application to end-users so that they can curb rising housing prices and contribute to stabilizing housing prices.

Critical Factors of Subcontractor Evaluation and Selection: A Case Study in Vietnam

  • VO, Khoa Dang;PHAM, Cuong Phu;PHAN, Phuong Thanh;VU, Ngoc Bich;DUONG, My Tien Ha;LE, Loan Phuc;NGUYEN, Quyen Le Hoang Thuy To
    • The Journal of Asian Finance, Economics and Business
    • /
    • v.8 no.3
    • /
    • pp.297-305
    • /
    • 2021
  • A contractor or a main contractor is a company with full capacity to construct all project's works for the owner. A subcontractor is an organization that works with the main contractor to execute and complete work packages for the project. Selecting an effective subcontractor will help the efficiency and success of any projects in the construction industry. Therefore, this study identified subcontractor evaluation factors in Vietnam by collecting questionnaire survey data from engineers and staffs in the construction industry project environment. An exploratory factor analysis (EFA) was then performed to identify the critical factors when evaluating and selecting the subcontractor in construction projects. Moreover, when considering the impact level in terms of the average value, the research results showed that the most critical concern was the subcontractor's reputation. Furthermore, the top five factors affecting the sub-contractor evaluation and selection are (i) reputation, (ii) price, (iii) construction techniques, (iv) ability to implement projects according to commitments, and (v) subcontractor competence (the team of workers, technician staff, engineers with full capacity according to regulations). These research results provide an overall perspective that will help main contractors develop suitable subcontractors' evaluation and selection factors in their projects in the construction industry.