• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.451-458
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• 2021

The objective of this research is to analyze the effect of bad credit and liquidity on bank performance with the mediation of capital adequacy. Data were provided by banking institutions listed on the Indonesia Stock Exchange from the period of 2011-2019. The analysis technique was PLS-SEM supported by an application named WarpPLS 6.0. The results of the research show that the effect of bad credit and liquidity on bank performance is not significant. A high level of bad credit is associated with a low level of bank performance. Bank earnings decline along with low profitability. This relationship is not significant because banks can still cover some proportions of bad credit through capital availability. Capital adequacy as an intervening variable has mediated partially the effect of bad credit and liquidity on bank performance. Besides, capital adequacy has a strong effect on credit distribution. Agency theory says that the owner of the fund (the savers of saving account, current account, deposit account) is called principal while the bank as the trusted institution to manage the fund is called an agent. If customers fulfill their duty, then bad credit never happens.

• 중환자간호학회지
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• 제14권3호
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• pp.99-112
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• 2021

Purpose : This study aimed to comprehensively understand the work experience of the person in charge of the adequacy evaluation of small-and medium-sized hospitals and explore its meaning and essence in-depth. Methods : This was a descriptive qualitative study. The study participants were 10 nurses who understood the purpose of this study and participated voluntarily. Data collection was conducted via in-depth interviews in January 2021. The interviews were conducted 1-2 times per participant and lasted approximately 40-50 minutes per session. Data analysis was performed using a qualitative content analysis. Results : The work experience of the person in charge of the adequacy evaluation of small-and medium-sized hospitals included four themes: "difficulty in preparing for evaluation," "negative views on evaluation," "lack of a support system," and "positive improvements and changes due to an evaluation." Conclusion : Based on the above results, an education program and support system should be developed to strengthen the competence of nurses in charge of the adequacy evaluation of small- and medium-sized hospitals.

• 가정과삶의질연구
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• 제16권3호
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• pp.79-94
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• 1998

The purpose of this study was to investigate the variables which affect the coping styles for stress which was produced by family resource management in housewives. The subjects of this study were 565 married women who lived in apartment in Taegu. A questionnaire was used as survey method. The data was analyzed by means of factor analysis, t-test ANOVA Scheffe test coefficient and multiple regression analysis. The main findings were as follows; First the coping styles for stress were found to be significantly different according to the objective resources. Second perceived adequacy resource is positively correlated with the active coping style. Third locus of control is negatively correlated with the passive coping style and the evasive coping style, Forth in the coping styles for stress the active coping style was affected by locus of control perceived adequacy resource income employment of housewives and the evasive coping style was affected by locus of control.

• 한국철도학회:학술대회논문집
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• 한국철도학회 2006년도 추계학술대회 특별세미나 특별세션
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• pp.113-122
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• 2006

To investigate the adequacy of maglev train system to future urban transport environments, first we derived minimum necessity requirements of the new-transit system by analyzing the issues in the urban transit management and new needs of transportation customers. Then the conformity of Maglev train to the requirements was examined. With respect to this adequacy analysis, policy directions and agenda of the making practical use of urban transit Maglev system' is proposed.

• The Journal of Asian Finance, Economics and Business
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• 제7권12호
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• pp.909-917
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• 2020

The research aims to analyze the firm-specific and macroeconomic factors that affect insurance company's financial performance. The research explores the variables that influence the financial performance of the United Arab Emirates (UAE)' insurance companies. The analysis for determining financial performance considers the following variables: the firm's age, retention ratio, capital adequacy, underwriting risk/loss ratio, financial-leverage, reinsurance dependency, and macro-economic factors such as GDP per capita, inflation rate considered as independent factors. The return-on-asset (ROA) is the key measuring indicator; it is regarded as the dependent variable for financial performance measures. The research focuses on secondary information obtained from insurance companies' financial statements. The researcher targeted 18 insurance companies listed on the UAE stock exchanges for study purposes. The research examines the overall factors that influence the financial performance of an insurance company. For analysis of data, software package of social sciences (SPSS version 20) is used. The studies used correlation and multiple linear regression analysis to determine financial performance and their effects. The analysis suggests that there are important and constructive relationships between the size, capital adequacy, and reinsurance dependency, while loss ratio, retention ratio, and financial leverage indicate a major negative relationship. And there's no link between GDP per capita and inflation.

• 대한치과의사협회지
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• 제58권2호
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• pp.68-82
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• 2020

Running title: Adequacy of dentist supply Objectives: The proper provision of dentists is very important for delivering the dental care that people need. The purpose of this study is to evaluate the adequacy of dentist supply and to predict the proper supply of dentists in Korea for the next 10 years. Methods and materials: Using the data from 2004 to 2017 in the Statictics Korea, the dental needs were measured as days of admission and the annual total dental care hours in 2020, 2023, 2026 and 2030 were predticted using regression analysis. The dental care productivity (average in-office hours) of dentists was analyzed using regression analysis including age, gender, education level and region as a confounder. The annual care hours were predicted according to seven scenarios based on the percentage of women among dentists, post-dentist education levels, the percentage of dentists in the metropolitan area, aging and retirement age. Results: The needed dentist based on the data in the Statictics Korea will be 27, 288 ~ 27, 311 in 2020, 28,104 ~ 28,1785 in 2023, 28,977 ~ 29,124 in 2026, and 30,174 ~ 30,413 in 2030. On the other hand, the number of dentists in Korea will be 26,945 in 2020, 28,813 in 2023, 30,682 in 2026 and 33,173 in 2030. The adequacy index of dentist supply will be -0.01 in 2020 to +0.10 in 2030. Conclusions: Our data showed that dentists will be adequately supplied in Korea for the next 10 years. Overall, the ratio between dentist versus 1,000 Koreans will be increased from 0.5 in 2019 to 0.7 in 2020, which will meet the mean of OECD countries.

• 한국실내디자인학회논문집
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• 제17권3호
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• pp.15-22
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• 2008

The purpose of this study is to propose evaluation factors for elementary school facility in terms of educational adequacy. The focal point of this study is to clarify the proper measure of educational facility evaluation in the light of specific characteristics of facility. In order to improve the level of educational adequacy, more information is needed regarding school facility design and various factors which affect to the design. This is important works because such information is essential in implementing facility design to meet the needs of the new educational policy. To get the goal, first, it is attempted to analyse the meaning of design information which deeply affect on the school facility design. The design information is classified into three main aspects, such as human aspect, social aspect and physical aspect. The design information regarding the physical space verses human psychology and behavior belongs to category of human aspect. Pedagogic ideology which varies depend upon the time and regions is classified into the category of social aspect. The Physical aspect means efficient equipment performance of space to support educational activities effectively. Secondly, as for the educational adequacy evaluation concern, it is attempted to select more items which usually has been neglected by the existing evaluation criteria which mainly emphasized functional performances only. With the premise of the above, in this paper, it is attempted to propose proper evaluation factors in terms of educational adequacy for school facilities. As the research methods, researching of literature on this subject, field trip, interview, site analysis, and survey is used.

• 근관절건강학회지
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• 제28권1호
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• pp.18-29
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• 2021

Purpose: This study examined the knowledge and education needs of nurses in charge of adequacy evaluation in small and medium-sized hospitals. Methods: Study participants included 198 nurses in charge of adequacy evaluation in small and medium-sized hospitals. Data were collected from November 19 to 28, 2020 through an online survey. The data were analyzed by independent t-test and one way ANOVA analysis using the SPSS. Results: The knowledge score for the adequacy evaluation of small and medium-sized hospitals was 11.61±4.10 (total of 20 points), and the educational demand was 3.87±0.88 points on a 5-point scale. Regarding the necessity of education for adequacy evaluation of small and medium-sized hospitals, 80.3% of the participants claimed education as being necessary. "Online video lectures" were the most preferred (22.7%) education method, and "2 times" was the most frequent education (47.0%); "1 hour" was the usual duration of class (48.5%). Conclusion: It is necessary to develop and apply an educational program reflecting the measure of educational needs to improve the knowledge level of nurses in charge of adequacy evaluation in small and medium-sized hospitals.

• 문화기술의 융합
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• 제7권1호
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• pp.511-517
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• 2021

본 연구는 자본적정성 요구가 우리나라 은행의 수익성에 미치는 영향을 DOLS 모형을 이용하여 분석하였다. 분석 결과, BIS 자본비율이 시중은행과 지방은행에 미치는 영향이 상이하였다. 자본적정성 요구가 시중은행보다는 지방은행에 더 크고 유의한 부정적 영향을 미치는 것으로 나타났다. 그리고 거시경제변수보다는 은행특성변수들이 은행의 수익성에 더 유의한 영향을 미치는 것으로 나타났다. 또한 BIS 자본비율이 상승하면 시중은행과 지방은행의 수익성이 감소하며, 대손충당금 비율이 높은 은행일수록 이러한 관계가 강화되는 것으로 나타났다. 일반적으로 시중은행의 경우에는 지방은행에 비해 상대적으로 규모도 크고 자본도 상대적으로 충실한 편이이서 자본적정성 요구가 크게 영향을 미치지 않은 것으로 추정된다. 그러나 지방은행의 경우에는 BIS 자본비율 충족을 위해서는 보다 안전한 자산을 선택할 필요가 있으며, 이러한 안전의 자산의 선택 비중이 증가함에 따라 수익성에 상대적으로 더 큰 부정적 영향을 미치는 것으로 보여 진다. 따라서 금융당국은 이러한 점을 고려하여 은행의 자본금 규제 정책을 시행하여야 할 것이다.

• 한국노년학
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• 제29권1호
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• pp.215-230
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• 2009

본 연구의 목적은 은퇴자들이 은퇴 후 삶을 영위하기 위해 필요한 은퇴자금의 충분성을 분석하고 그에 영향을 주는 요인을 확인하는 것이다. 은퇴자금 충분성을 평가하기 위해 은퇴소요자금의 산정을 통한 객관적 측면과 은퇴자 스스로 인식한 주관적 인지 측면으로 구분하였다. 또한 두 가지 측면으로 분석된 은퇴자금 충분성의 결정에 영향을 미치는 요인을 각각 규명하였다. 본 연구는 한국투자자교육재단에서 50세 이상 은퇴자들을 대상으로 2007년 실시한 은퇴자조사의 자료를 토대로 분석을 실시하였다. 그 결과 우리나라의 은퇴자들은 재정적으로 충분히 준비되지 못한 상태에 있다는 점이 확인되었다. 객관적 충분성 분석 결과에 따르면, 거주주택을 제외한 모든 자산을 은퇴자산으로 사용할 경우 23.2%의 은퇴자만이 현재의 지출을 지속적으로 감당할 수 있을 것으로 나타났다. 또한 조사대상자의 25.7%가 본인의 은퇴자금이 은퇴 후 생활을 영위하는데 있어서 충분할 것이라고 인지하고 있었다. 은퇴자금의 객관적 충분성과 주관적 충분성의 일치 정도를 비교해보면 전체의 약 1/4에 해당하는 23.8%의 은퇴자가 자신의 은퇴자금 충분성 분석결과와는 다르게 인지하고 있는 것으로 나타났다. 또한 12.9%의 은퇴자들은 은퇴자금이 충분하지 않을 것으로 추정되었으나, 자신의 은퇴자금이 충분한 것으로 평가하고 있었다. 은퇴자금의 충분성에 영향을 주는 요인을 분석한 결과 가계소득이나 자가 소유 여부 등과 같은 재정 변수는 긍정적으로 유의하게 나타났으며, 은퇴 준비 여부 또한 중요한 변수임이 확인되었다. 연구 결과들을 토대로 은퇴자들과 예비 은퇴자 가계를 위한 은퇴대비 방안과 정책적 시사점을 논의하였다.