• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.929-938
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• 2020

This study analyzes the effect of quality of services provided to the students' in relation to their satisfaction and loyalty. Respondents in this study were seventh semester students of Universitas Muslim Nusantara Al-Washliyah, the total number of students was 312. Data analysis techniques in this study used was SEM (Structural Equation Modeling) using the SmartPLS program. The results showed that students' satisfaction significantly mediated the correlation between academics and students' loyalty, between non-academic and students' loyalty, between reputation and students' loyalty, and between campus access and students' loyalty; on the other hand, students' satisfaction was not significant in mediating the correlation between program issues and students' loyalty. The findings suggest that it is necessary to improve the quality of lecturers to improve students' academic abilities and communication skills. As far as non-academic aspects are concerned, conducting training and development efforts and increasing awareness programs for administrative staff is important. For the reputation aspect, to carry out several marketing campaigns which predict to have an effect upon students in building positive perceptions of campus has to be executed as well. Meanwhile for access aspect, it should be made certain that every student can have direct access to staff employees, and it is necessary to improve dimensions which can increase students' satisfaction so that students are convinced of their choice of campus and then they are likely to recommend their chosen university and spread positive things about their institutions.

• The Journal of Asian Finance, Economics and Business
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• 제9권9호
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• pp.291-298
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• 2022

The most crucial elements of SME growth and development are performance and innovation. In actuality, SMEs find it challenging to enhance their performance and innovation due to limited access to resources. Collaboration with other SMEs in the form of local communities can be an alternative solution to gaining access to external resources. Unfortunately, not many studies have explored the role of the local SME community in the development of innovation and performance of SMEs. This study tries to fill this gap by examining the role of local communities in expanding SMEs' access to resources, in their efforts to improve innovation and performance. Data was collected using an online questionnaire distributed to food and beverage SMEs in Malang Regency. As many as 150 questionnaires were received and considered valid for statistical data analysis using the WarpPLS program. The results show that the SME community plays an important role in improving the innovation and performance of food and beverage SMEs. It is also found that innovation can be a good mediator of community relations with the performance of SMEs. Furthermore, it is also confirmed that the SME community moderates the relationship between innovation and the performance of food and beverage SMEs.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.1143-1152
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• 2021

The study aims to assess the impact of factors on the access to financial services by Vietnamese farmers. The number of respondents in this study is 402 household heads participating in six diverse agricultural value chains in Vietnam. The explanatory variables of the Multinomial Logit model estimates variables at the individual characteristics while the Mixed Logit model can combine the two types of variables together to estimate the effects simultaneously. On the other hand, the Ordinal Logit model is used to evaluate the determinants of the increase in the quantity of financial services used by individuals. The estimation results show that male-headed households have more access to financial services than females. Younger farmers are more likely to use formal financial services than the elderly. Financial literacy, land ownership, and shocks in agricultural production all have a positive impact on the probability of dealing with banks. In addition, the degree of linkage and credibility of the value chain have a significant positive impact on the accessibility of financial services to farmers. The findings of this study suggest that limiting gender inequality, focusing on youth marketing and developing agricultural value chains will have a positive impact on farmers' access to financial services.

• The Journal of Asian Finance, Economics and Business
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• 제10권2호
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• pp.41-48
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• 2023

This study aims to evaluate patients' satisfaction with healthcare services in Hawtat Bani Tamim Governorate during the spread of coronavirus. The importance of this study stems from the fact that Covid-19 is challenging countries all over the world. The study adopted a questionnaire for collecting the data. The sample size reached 231 members. The study applied descriptive statistics and inferential statistical methods to obtain the result of the study. The analysis of the data revealed that most of the participants are satisfied with the healthcare services in hospitals and health centers during the Corona pandemic, Health precautions and distancing measures were applied appropriately, Vaccination against corona was available in health centers and easy to access, and rapid response of health care service providers to patients' requests. The participant's opinions showed that the application of Mawid is a suitable method to access healthcare services during Corona, the application is more efficient in providing the required healthcare services and facilitating their access to healthcare services. In addition, patient satisfaction with the "My health" application provided fast and convenient services during the Corona pandemic and provided medical consultations easily.

• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.481-489
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• 2020

The study examines the role of facilitating conditions and user habits in the use of technology in Online Learning Platform (OLP) in Indonesia. The adoption of online learning, persistence, and learning results in online platforms is essential for ensuring that education technology is implemented and gets as much value as possible. People who use technology and systems will embrace new technologies even more. This quantitative study is based on a survey of 254 respondents, who were active users of the technology, and considers the facilitating conditions and user habits variables. Two research hypotheses were tested using the Partial Least Square-Structural Equation Modeling method. Cronbach's Alpha, path coefficient, AVE, R-square, T-test were applied. The results showed that the factors significantly influence the Online Learning Platform technology behavioral intention. This impact is primarily associated with the availability of the resources required to use OLP technology. The availability of these resources includes supporting infrastructures such as widespread Internet access, easy access to mobile devices, and file sizes that affect access speed. The findings of this study suggest that it is necessary to introduce and increase the availability of resources for using OLP technology, and familiarize people with the technology features.

• 경영정보학연구
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• 제25권4호
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• pp.161-181
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• 2023

코로나19 이후 소비생활 환경의 비대면화가 급격히 앞당겨지면서, 변화하는 비대면 금융생활서비스는 소비자의 일상에 큰 영향을 미치고 있다. 이처럼 필수재화가 된 디지털 기기·서비스를 이용하지 못하는 국민은 일상생활뿐 만 아니라 사회·경제 전반에서 소외되는 '디지털 사각지대'에 내쳐질 위험이 높아지고 있다. 이에 본 연구에서는 지각된 통제력 요인인 인지 통제력, 행동 통제력, 결정통제력이 디지털 금융서비스 이용의도에 미치는 영향을 분석하였다. 본 연구를 위해 디지털금융을 알고 있으면서 이용의도가 있는 133명의 고객을 대상으로 설문조사를 실시하였다. 연구결과 인지 통제력, 행동 통제력, 결정 통제력은 디지털 금융서비스 이용의도에 유의적인 영향을 미치는 것으로 나타났다. 또한 프라이버시 염려에 대한 조절효과는 결정 통제력이 디지털 금융서비스 이용의도에 미치는 영향에서 유의하게 나타났다. 이러한 결과를 바탕으로 디지털 금융서비스 기업이 고객의 지각된 통제력을 관리할 수 있는지에 대한 시사점을 제시하였다.

• The Journal of Asian Finance, Economics and Business
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• 제3권4호
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• pp.17-24
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• 2016

The purpose of this paper is to understand the underlying dynamics for the share market bubbles in China during the most recent decade. By using the behavioral finance theory and the Shanghai Composite index prices during the periods from 2005 to 2008 and from 2014 to 2015 as the study samples, we find that the large volatilities in the Chinese share market are closely related to information blockage, which impedes share prices to timely respond to economic conditions as well as external shocks and increases (decreases) the demand of shares when the supply is difficult to adjust. Although the Chinese government has introduced a series of programs designed to increase more reliable information to the public, the share market still tends to confront issues of information asymmetry. The potential reason is that the reforms did not change the long-stand situation in China, where individuals or groups related to government bureaucracy who play a dominant role in the society are given priority to gain access and obtain information that benefits. By identifying the main reasons for the large volatilities in the market, policy makers are given advice as to which areas they may need to focus on to improve future market performance.

• 한국정보통신학회논문지
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• 제26권2호
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• pp.265-270
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• 2022

4차 산업혁명 시대가 도래하면서 보안의 패러다임도 바뀌고 있다. 클라우드 컴퓨팅과 코로나바이러스로 인해 원격근무가 활발해지면서 업무 환경이 변화하고 동시에 공격기법들도 지능화·고도화되는 현 상황에서기업에서는 새로운 보안 모델을 도입해 현재 보안시스템을 더 강화해야 한다. 제로 트러스트 보안은 모든 것을 의심하고 신뢰하지 않는다는 핵심 개념을 기반으로 모든 네트워크를 감시하고 접근 요청자에 대한 엄격한 인증과 최소한의 접근 권한을 허용함으로써 보안성을 높인다. 또한, 접근제어 강화를 위한 제로 트러스트 기반 보안시스템을 위해 식별 주체 및 데이터에 대한 NAC와 EDR 활용과 MFA를 통한 엄격한 신원 인증에 대해 설명 한다. 본 논문은 기존 보안시스템의 한계점을 극복하는 제로 트러스트 보안시스템을 소개하고, 접근제어를 강화하는 방안을 제안한다.

• The Journal of Asian Finance, Economics and Business
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• 제9권9호
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• pp.191-203
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• 2022

The ecosystem for digital payments in India has expanded quickly during the last decade. A synthesis of technical advancements and progressive governmental laws and regulations has fuelled this expansion. Particularly, the UPI system has assisted India in transitioning from a nation heavily reliant on cash for daily transactions to one with fewer cash transactions. The study attempted to determine how Financial Inclusion (FI) through a socio-techno-ecosystem impacts digital payment systems. FI involves ensuring financial services, products, and an adequate amount of credit without discrimination against the weaker section of society. The study has established that FI impacts the UPI. The finance infrastructure thus helps to develop an ecosystem where financial access and the awareness level help people to transit to new channels of payment. We have used secondary data of 27 banks for sixteen quarters and four years, i.e., for the financial years 2016-17 to 2019-20. It is observed from the current study that the offsite_ATM plays a significant role in the value creation of the UPI. Our study implies that it will help retailers, individuals, and business houses to use UPI platforms for swift payments without hassle. Also helpful for industries that are still not digitally disrupted and industry-specific UPI transactions.

• The Journal of Asian Finance, Economics and Business
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• 제9권6호
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• pp.325-329
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• 2022

Enterprises play an increasingly important role in economic development in each country. Effective businesses will make the economies of countries also become efficient and develop. Enterprises play a role in creating jobs, improving labor productivity, and connecting foreign trade and import-export activities. The study aims to evaluate the factors affecting the profitability of small and medium enterprises in Hanoi by using a study of 210 enterprises in the area as well as advanced econometric regression analysis. The research results show that firm size and human capital have no impact on business performance. However, older firms are likely to have higher firm performance, and conversely, younger firms have lower firm performance. The research also confirms that the growth of businesses often has higher firm performance than low-growth ones. Furthermore, a firm with greater value is also more likely to stimulate business performance than lower its value, and this effect is the largest among the analyzed factors. Finally, the study also has some recommendations for the Vietnamese government to develop small and medium enterprises. Specifically, the government needs to create an open mechanism for the start-up movement and create a favorable financial mechanism for small and medium-sized enterprises to be able to access.