• International Journal of Human Ecology
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• v.17 no.2
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• pp.31-42
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• 2016

We examine the self-control problems of U.S households and their effects on households' retirement preparedness based on the Behavioral Life-Cycle Hypothesis. Using the 2010 Survey of Consumer Finances dataset, the level of retirement adequacy was estimated with income replacement ratio (IRR), and only 42% of households were adequately prepared for retirement. Results from logistic regression analysis indicated that households with loan payment and saving self-control problems were less likely to be prepared adequately for retirement compared to those without such problems. Age, education, race/ethnicity, marital status, employment status, retirement plans, expected retirement age and risk tolerance were significantly related to retirement preparedness. This study provides financial educator and researchers with suggestions on how to help household make a better retirement plan.

• 한국정책학회보
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• v.23 no.3
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• pp.161-198
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• 2014

The various types of improper usages in the process of delivering social services have been increasingly paid to attention in South Korea. This study, relying on empirical data about the various improper behaviors, explore whether the audit activity can reduce the degree of the improper behavior. In order to estimate the impact of the audit, we use the DID(Difference in difference) method, comparing the experimental group with the audit treatment and the control group without it. We control for size(the number of Service personnel and user), types of social service (elderly, disabled, etc.), organizational forms(profit, non-profit), region(metropolitan areas, small-medium cities, rural areas), and the number times of audit (1, 2, and 3 number). Our empirical results show that the audit decreased the ratio of payment violation by about 4.02 percent, the number of violations from providers' improper payment by approximately 5.07 and the number of violations from users' improper payment by approximately 9.59. Further research is required to explore why and how the audit can decrease the improper usage in social service with rigorous theoretical models.

• Proceedings of the Korea Inteligent Information System Society Conference
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• 2001.06a
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• pp.243-252
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• 2001

Recently, as most companies recognize the importance of the customer relationship management, they strongly believe that they must know who their customers are. The job of a customer is very important information for us to understand the customer. However, since most customers are reluctant to reveal themselves, they do not let us know their jobs, and even provide false information about their jobs. The target domain of our research is mobile telecommunication. In this research, we developed a system that identifies the customer's job by utilizing the Call Detailed Record. From the Call Detailed Record, we extracted such variables as 'Average Monthly Payment'and 'Age of the Customer'and so forth. Moreover, we generated many summary variables and derived variables such as 'Number of Calls during Work Hours in Weekday', and 'Ratio of Calls from other Mobile Telephone'. Using artificial neural networks, we developed a two-step Job Identification System. In the first step, it identifies the four job classes then in the second step, it subdivides these four job classes into seven jobs. The accuracy of identifying the seven jobs was 69.1%.

• Proceedings of KOSOMES biannual meeting
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• 2003.05a
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• pp.159-165
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• 2003

To Recently, the buckling is easy to happen a thin plate and High Tensile Steel is used at the structure so that it is wide. Especially, the buckling is becoming important design criteria in the ship structure to use especially the High Tensile Steel. Consequently, it is important that we grasp the conduct after the buckling behaviour accurately at the stability of the body of ship structure. In this study, examined closely about conduct and secondary buckling after initial buckling of thin plate structure which receive compressive load according to various kinds aspect ratio under simply supported condition that make by buckling formula in each payment in advance nile to place which is representative construction of hull. Analysis method is F.E.M by ANSYS and complicated nonlinear behaviour to analyze such as secondary buckling.

• Proceedings of the Computational Structural Engineering Institute Conference
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• 2003.04a
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• pp.496-503
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• 2003

Recently, the buckling is easy to happen a thin plate and High Tensile Steel is used at the structure so that it is wide. Especially, the buckling is becoming important design criteria in the ship structure to use especially the High Tensile Steel. Consequently, it is important that we grasp the conduct after the buckling behaviour accurately at the stability of the body of ship structure. In this study, examined closely about conduct and secondary buckling after initial buckling of thin plate structure which receive compressive load according to various kinds aspect ratio under simply supported condition that make by buckling formula in each payment in advance rule to place which is representative construction of hull. Analysis method is F.E.M by ANSYS and complicated nonlinear behaviour to analyze such as secondary buckling.

• Proceedings of the Korea Association of Information Systems Conference
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• 2004.11a
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• pp.444-453
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• 2004

This research investigates the rising new role of mileage system as private e-money in a exploratory study. The key research questions are 'How does mileage system evolve with expansion of e-business and what are the cases for real experiences in 'money-like' mileage and their implications?' This research focuses on the proposition that mileage points created in commercial transactions as a royalty program are observed to serve a new role as payment tool. In an attempt to identify factors that determine mileage system as private money, we employ three factors: confidence, transaction cost, and monetary freedom. Also, this research proposes a direction for further research and follow-up studies to establish legal and institutional issues and the relevant architecture, all of which are essential elements to make the mileage points global money with a certain trade ratio in the near future.

• The Journal of Information Systems
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• v.13 no.2
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• pp.119-134
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• 2004

This research investigates the rising new role of mileage system as private e-money in a exploratory study. The key research questions are "How does mileage system evolve with expansion of e-business and what are the cases for real experiences in 'money-like' mileage and their implications?" This research focuses on the proposition that mileage points created in commercial transactions as a royalty program are observed to serve a new role as payment tool. In an attempt to identify factors that determine mileage system as private money, we employ three factors: confidence, transaction cost, and monetary freedom. Also, this research proposes a direction for further research and follow-up studies to establish legal and institutional issues and the relevant architecture, all of which are essential elements to make the mileage points global money with a certain trade ratio in the near future.

• Proceedings of the Korean Society for Noise and Vibration Engineering Conference
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• 2003.05a
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• pp.732-737
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• 2003

Recently, the buckling is easy to happen a thin plate and High Tensile Steel is used at the structure so that it is wide. Especially, the buckling is becoming important design criteria in the ship structure to use especially the High Tensile Steel. Consequently, it is important that we grasp the conduct after the buckling behaviour accurately at the stability of the body of ship structure. In this study, examined closely about conduct and secondary buckling after initial buckling of thin plate structure which receive compressive load according to various kinds aspect ratio under simply supported condition that make by buckling formula in each payment in advance rule to place which is representative construction of hull. Analysis method is F.E.M by ANSYS and complicated nonlinear behaviour to analyze such as secondary buckling.

• Korea Journal of Hospital Management
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• v.8 no.1
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• pp.64-80
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• 2003

The separation policy of prescription and drug dispensing which has been implemented since the 1st of July, 2000, has brought about great changes in patients flow within the healthcare delivery system. The changes in the patients flow, in turn, resulted in the change in the distribution of financial resources among the participating entities in the healthcare delivery system: pharmacies, clinics, small hospitals, general hospitals, and teaching hospitals. The purpose of this study is to shed some light in the change in the financial performance of teaching hospitals under the separation policy that has created environmental changes such as the decrease in the number of out patients visits, the increase in the capital expenditures, the rapid increase in labor costs and so on. For the purpose, this study has compared and analyzed the balance sheets, the income statements and other operational data of three teaching hospitals located in D area. The data include two periods: before(year 1999) and after(year 2001) the implementation of the separation policy. The analysis was conducted with an emphasis on the changes in the financial ratios such as liquidity, turnover ratio, performance ratio. and capitalization ratio. The results show that the financial performances of the hospitals under study were weaker than before the implementation of the separation policy, and that, while the operating expenses have increased remarkably, there was no tendency to corresponding increase in revenue. And the result of analysis of other operational indicators also show that the performance of the hospitals is getting worse. Based on the results, this study has suggested the directions of the healthcare policies. This study suggests to improve the current model of separation of prescription and drug dispensing, to grant subsidies for the training of residents in teaching hospitals, and to lower the rate of patients' out of porket payment in teaching hospitals.

• Journal of Distribution Science
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• v.21 no.6
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• pp.107-117
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• 2023

Purpose: To know the existence of tax services, it is seen as a redistribution of income to ensure the implementation of national development and social welfare carried out by the state to the community and determine the effect of the quality of tax services, tax audits and tax collection against either simultaneously or partially against the tax ratio in the area of the Primary Tax Service Office of West Makassar. Research Design Data and Methodology: The tax revenue rate is too low based on the Revenue Statistics in Asian and Pacific report, released by the OECD at the end of July 2017. Tax revenue growth is also difficult to increase because of typical inelastic tax revenues. Consequently, tax growth cannot exceed GDP growth. The government boosted the tax ratio by minimizing tax payment irregularities and optimizing tax data utilization as well as distribution income for national social welfare. Transforming all sectors in the real economy so that it is affordable to tax, diversification of taxation is directed towards new sources of economic growth. The data analysis method used is multiple linear regression. Results: The results showed that the quality of tax services and tax audits were dominant in determining tax ratios, whereas Tax collection offers a significant but lower value.Conclusion: The existence of tax services, it is seen as a redistribution of income to ensure the implementation of national development and social welfare carried out by the state to the community.Quality and service in taxation services to create and maintain trust and cooperation relationships between tax officials and taxpayers.