• The Journal of Asian Finance, Economics and Business
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• 제6권2호
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• pp.33-44
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• 2019

The Indonesian government launched a new people's business credit program as part of a package of economic policy and deregulation. The interest rate is set lower than the average of the current loan interest rates, especially when compared with rural bank interest rates. To capture the social spatial aspects, quota sampling is applied to ten areas that divided based on the social culture. Further, the method utilized in this research is logit models, which designed to analyse the determinants of asymmetric information particularly on the rural bank and small micro enterprises. The study was conducted in East Java as the province with the largest number of rural banks in Indonesia. Based on the estimation of asymmetric information model to the respondent of rural banks and small businesses, the result shows that adverse selection can be avoided by strengthening the information about prospective borrowers. Regarding moral hazard, rural banks and small businessmen argued that the imposition of the collateral to the debtor has an important role to avoid moral hazard. Rural bank respondents stated that the KUR program with low-interest rates has affected their business development. The results implied the need of broadening the collaboration schemes between this people's business credit program and rural banks.

• 산경연구논집
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• 제8권3호
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• pp.19-22
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• 2017

Purpose - To control exorbitant interest rates, implementation of an interest rate ceiling is a standard practice in microfinance. However, there are pros and cons of such market intervention. Hence, the aim of this short note is to highlight issues and challenges regarding the interest rate cap in microfinance, both from the perspective of clients and institutions. Research design, data, and methodology - While the nature of this short note is explanatory and descriptive, the research methodology used relevant data from the MixMarket and Microcredit Regulatory Authority (MRA) annual reports in Bangladesh. Results - We argue that an interest rate ceiling is detrimental both for the clients and microfinance institutions (MFIs). This market intervention substantially reduces the outreach of MFIs and clients are most likely to pay a higher price in the long-run. Additionally, an interest rate cap also puts severe pressure on new-born and high-cost MFIs to cope with the interest rate ceiling. Conclusions - Although market intervention may be necessary in the short-run, it should not be the ultimate solution to abate high interest in microfinance. Understanding the operational dynamics of MFIs, as well as promoting productivity, efficiency and competition could help to lower the interest rates.

• 지식경영연구
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• 제21권2호
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• pp.1-19
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• 2020

The purpose of this study is to suggest a practical way to measure and report corporate social performance as public interest in corporate social value pursuits increases. In particular, we will look for ways to measure and report on the financial and social performance of a company based on the concept of the Double Bottom Line (DBL), which has recently spread to big companies. For this purpose, this study analyzed the theoretical background and practical techniques related to measuring and reporting corporate social performance, and examined methods for measuring and reporting social performance in the existing financial performance measurement system. As a result, SROI was the most suitable method for measuring social performance of a company. It is recommended that social performance reporting follows the disclosure method of the accounting system, and the details of reporting suggest that using the standard of GRI Standard, an international standard related to sustainability reporting, is the most reasonable alternative to 'Double Bottom Line' performance reporting.

• 복식
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• 제51권5호
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• pp.77-94
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• 2001

• 대한간호학회지
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• 제7권1호
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• pp.80-87
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• 1977

The present study was undertaken to find the factors affecting academic achievement in a nursing school. 172 students were selected for this study and were divided into higher & lower 12 percent. Tools & measures used for this study were the interest test, personality test, test of self-concept, test of adjustment & school achievement. The major findings obtained from this study were as follows : 1. Factors affecting school achievement except intellectuality were thus : 1) Artistic interest, literary interest, scientific interest biological & scientific interest -physical affected the academic achievement . 2) Sociability, reasonability, depression & refractiveness affected the academic achievement. 3) Self criticism, total positive self-score, & personal self - score affected the academic achievement. 4) Adjustment to school, personal economics, health & value Morality affected the academic achievement. 2. Correlation between school achievement & interest, personality, self-concept or adjustment in the higher 81 lower group were thus; 1) There was a significant relationship between academic achievement & the following: artistic interest, scientific interest-biological, scientific interest-physical, out-door interest, refractiveness, sociability, responsibility, depression, self satis faction- score, personal self -score, social self - score, self behavior score, adjustment to school, health & values morality in the higher group. 2) There were no significant factors related with academic achievement in the lower group. 3. Difference or difference in relationship between higher & lower group in the interest, personality, self-concept & adjustment were as follows, : 1) There was a significant difference between higher & lower group in artistic -interest. literary interest, scientific interest-biological , out-door interest, sociability, depression, refractiveness, self criticism, total positive self score, personal self score, adjustment to school, personal economics, health & values morality. 2) There was a significant difference in relationships between higher & lower group in artistic interest, scientific interest, scientific 3) There was a significant difference in relationships between higher 8E lower group in artistic interest, scientific interest -biological, out -door interest , sociability, responsibility, refractiveness, depression, self identity score, self satisfaction score, adjustment to school, health, personality & value morality.

• 복식
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• 제51권5호
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• pp.135-145
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• 2001

In this study, investigation into the impact of sensation seeking tendency and clothing attitudes upon brand variety seeking will be made through the presentation of sensation seeking tendency as consumer's motivation of clothing behavior and clothing attitude as parameter. To give goals of this study. First, to help the understanding of consumers by elucidating consumer's psychological characteristics against sensation seeking tendency, clothing attitude and diverse brands seeking. Second, to offer standard for specifying market by presenting theoretical as well as empirical data. Third. to create successful marketing strategy according to consumer groups and moreover to increase sales efficiency. Research results are as follows : As a result of investigating on which factor among sensation seeking tendency affects on seeking various brands, change seeking tendency and aesthetic seeking impact upon seeking various kinds of brands. Change seeking is turned out to be the most influential factor. Fashion leadership, fashion innovativeness, attention concentration, social approval and clothing interest had an impact on diverse kinds of brand seeking: there was a positive relations with fashion leadership. attention concentration. clothing interest and fashion innovativeness, whereas a negative link with social approval. Three factors of sensation seeking tendency, two factors, that is change seeking and aesthetic seeking. have direct and indirect paths that lead to diverse brand seeking, via clothing attitude. that is to say, clothing interest. fashion leadership. social approval and attention concentration. On the other hand, thrill and risk seeking only had indirect path. Aesthetic seeking showed higher significance to indirect effect on diverse brand seeking which takes clothing attitude as a parameter, than that of direct effect. Brand variety seeking was under considerable effect of fashion leadership, clothing interest and attention concentration, in order.

• 한국도서관정보학회지
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• 제50권3호
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• pp.167-190
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• 2019

이 연구는 신체적, 정신적, 심리적으로 과도기적 단계에 있는 초등 고학년 아동을 대상으로 아들러의 개인심리학을 접목한 독서상담 프로그램을 개발하고 이 프로그램이 열등감, 사회적 관심, 생활양식에 미치는 영향을 파악하고자 하였다. 이를 위하여 경기도 S시 소재 K초등학교 4-5학년 아동 20명을 실험집단 10명, 통제집단 10명으로 구성하여 총 12회기에 걸쳐 독서상담프로그램을 적용하였다. 연구의 주요 결과를 요약하면 다음과 같다. 첫째, 개인심리학을 적용한 독서상담 프로그램을 적용한 실험집단은 열등감, 사회적 관심, 생활양식에 통계적으로 유의한 차이가 나타났다. 둘째, 개인심리학을 적용한 독서상담 프로그램의 실험집단은 주관적인 반응이 긍정적으로 나타났으며, 아동의 독서에 대한 흥미와 책에 대한 관심이 향상된 것으로 나타났다.

• 인터넷정보학회논문지
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• 제23권5호
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• pp.59-68
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• 2022

코로나 시대 실시간 라이브 스트리밍 방송과 비대면 수업이 확산되고 있음에 따라 온라인 스트리밍 수업에 대한 학문적 관심이 필요한 시점이다. 특히 이용자 측면에서 왜 온라인 스트리밍 수업을 이용하는지를 밝히는 것이 중요하다. 이에 본 연구는 온라인 스트리밍 수업의 특성으로 사회적 현존감, 흥미성, 이용 편리성, 상호작용성을 제안하고, 이들 특성이 학습 만족도에 어떠한 영향을 미치는지, 나아가 추천의도에 어떠한 영향을 미치는지를 검증하고자 하였다. 중국 대학생 338명을 대상으로 설문 조사를 실시한 결과 상호작용성, 사회적 현존감, 흥미성은 학습 만족도에 정적인 영향을 미치는 것으로 나타났지만, 이용 편리성의 영향력은 나타나지 않았다. 한편, 학습 만족도는 온라인 스트리밍 수업 추천의도에 긍정적인 영향을 미치는 것으로 확인되었다.

• Journal of Information Processing Systems
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• 제19권1호
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• pp.55-66
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• 2023

Community portraits can deeply explore the characteristics of community structures and describe the personalized knowledge needs of community users, which is of great practical significance for improving community recommendation services, as well as the accuracy of resource push. The current community portraits generally have the problems of weak perception of interest characteristics and low degree of integration of topic information. To resolve this problem, the reader community portrait method based on the thematic and timeliness characteristics of interest labels (UIT) is proposed. First, community opinion leaders are identified based on multi-feature calculations, and then the topic features of their texts are identified based on the LDA topic model. On this basis, a semantic mapping including "reader community-opinion leader-text content" was established. Second, the readers' interest similarity of the labels was dynamically updated, and two kinds of tag parameters were integrated, namely, the intensity of interest labels and the stability of interest labels. Finally, the similarity distance between the opinion leader and the topic of interest was calculated to obtain the dynamic interest set of the opinion leaders. Experimental analysis was conducted on real data from the Douban reading community. The experimental results show that the UIT has the highest average F value (0.551) compared to the state-of-the-art approaches, which indicates that the UIT has better performance in the smooth time dimension.

• 스마트미디어저널
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• 제10권2호
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• pp.92-99
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• 2021

스마트 공간은 주변 환경과 상호 작용하여 인간을 지원하는 기술이며, 내장된 동적 지능형 환경을 가지고 있다. 이 논문은 스마트 공간에서 사용자 맞춤 동적 지능형 환경을 제공하는 프레임워크를 제안한다. 사용자 맞춤 지능형 서비스를 제공하는 기존 연구에서는 사용자의 관심사를 명시적으로만 분석하고, 스마트 공간을 고려하지 않았다. 암시적 관심사 분석은 명시적 관심사 분석보다 사용자에게 흥미가 있을 수 있는 서비스의 제안이 가능하지만, 분석 시 명시적 관심사 분석보다 높은 성능을 요구한다. 그리고 스마트 공간은 공간의 정보들과 상호작용하여 유용한 정보를 얻을 수 있다. 연구에서 제안된 프레임워크는 스마트 공간에 적합하도록 근접 기반 사물 소셜 네트워크를 이용한다. 또한, 암시적 관심사 분석은 사물의 소셜 미디어 정보와 공간 정보를 이용하여 스마트 공간을 위한 지능형 정보를 제공한다. 그리고 스마트 공간 특성을 고려하여 정확도를 유지하면서 성능 저하를 막는 방법을 제안한다.