• The Journal of Asian Finance, Economics and Business
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• 제9권1호
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• pp.43-51
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• 2022

Platform lending or online lending, sometimes called peer-to-peer (P2P) lending, arose due to the digital revolution to meet people's requirements for simple fund borrowing. It quickly became an alternative to other traditional lending techniques, for example, loans banks. Along with the growth of P2P lending, several academics have investigated how information technology is used in financial services, emphasizing extended application methods. This study proposes an enhanced technology acceptance model (TAM) that investigates how consumers embrace P2P lending platforms by using quality of service and perceived risk as drivers of trust, relative advantage and compatibility as drivers of perceived usefulness. For the purpose of this study, we created a questionnaire, distributed it to clients of P2P lending platforms and fintech services in general in cities in Java, Indonesia. We received 290 replies to our questionnaire. The data was analyzed to test the hypotheses using structural equation modeling (SEM). The findings show that consumers' trust, relative advantage, perceived usefulness, and perceived ease of use in P2P lending platforms substantially affect their views toward adoption. The research's findings are useful for fine-tuning platform marketing strategies and putting strategic goals into action.

• 인간행동과 음악연구
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• 제2권1호
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• pp.1-15
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• 2005

음악치료 연구에 있어 치료 세팅 내 적용 가능한 임상전략기법들을 개발한 연구는 다른 음악치료 관련 주제들에 비해 부족한 실정이다. 음악 감상을 이용한 부적 정서 조절은 계속 해서 연구되어 온 분야이기도 하나 실질적으로 임상 대상에게 적용되어 지지 않았다. 본 연구는 음악 감상을 이용한 음악치료기법인 동시에 부적 정서를 경감시키는 정서 조절 기제의 한 방안으로서 음악회상기법(Music Recall Technique)을 고안하고, 이것의 치료적 중재 과정과 효용성을 보는 데에 그 목적을 두었다. 더 나아가 음악치료사의 부재 시나 음악치료세션 외, 그리고 물리적 음악이 부재한 상황에서 대상자가 이 기법을 스스로 활용할 수 있는지를 보았다. 본 연구의 음악회상기법은 대상자의 강도 높은 부적 정서에 음악적 공감(musical empathy)을 부여하기 위하여 현대 음악(contemporary music) 중심의 높은 자극성 음악이 사용되었다. 또한 부적 정서의 경감 및 조절을 위하여 자극성-진정성 음악을 이용한 음악회상기법이 중점적으로 적용되었고, 자극성-진정성-격양성 음악을 이용한 음악회상기법은 부가적으로 적용되었다. 음악회상기법에는 이미 지각되어 있는 기존의 음악을 현재에 그대로 재현하여 회상하는 '음악회상(Music Recall, MR)'과 기존 음악을 변형 또는 조합하거나 기존 음악이 아닌 새로운 음악을 대상자가 스스로 생각하여 머리 속에서 현재화시키는 '창조적 음악회상(Creative Music Recall, CMR)'이 있다. 본 연구에서는 음악회상을 중심으로 하되 창조적 음악회상을 부가적으로 적용하였다. 연구는 단일 사례 연구로, 신경성 식욕부진증 환자의 불안, 분노, 우울의 부적 정서에 대한 부적 상황 목록을 작성하여 이에 대한 부적 정서를 회기 시간 내에 경감시켜나가고, 회기 시간 외 음악회상기법을 통해 실생활에 대한 실제 부적 정서를 경감시켜나갔다. 총 10회에 거쳐 음악회상기법이 적용되었고, 음악회상기록지를 제작하여 자극성-진정성, 또는 격양성 음악회상 내 부적 정서 변화 과정을 회기 시간 내와 회기 시간 외에 자기보고 하도록 하였다. 부적 상황에 관여된 부적 정서를 회기 시간 내와 전체회기에 대해 VAS 사전사후 검사를 통해 측정하고, 상태-특성 불안척도, 상태-특성 분노 표현 척도, 무망감 우울증 검사지를 통해 일반적인 부적 정서에 대한 사전사후 검사를 실시하였다. 연구 결과, 자극성-진정성 음악회상 과정 내 불안, 분노, 우울의 부적 정서가 모두 감소하였다. 불안, 분노, 우울 모두 자극성 음악회상에서 가장 많은 감소를 보였으며, 특히, 자극성 음악회상의 초-중반부에 가장 많은 감소를 보였다. 부적 상황에 대한 부적 정서의 VAS 측정에서도 회기 시간 내와 전체회기를 통한 사전사후 결과에서 모두 부적 정서가 감소하였다. 상태-특성 불안척도, 상태-특성 분노 표현 척도, 무망감 우울증 검사지의 검사 결과에서도 모두 부적 정서가 감소하였다. 본 연구는 강한 자극의 정도를 갖는 현대 음악 중심의 자극성 음악이 분노, 불안, 우울과 같은 부적 정서의 감소에 효과적으로 작용가능하며, 자극성 음악회상의 초-중반부가 부적 정서의 경감을 위해 중요한 자극 변수로 작용함을 시사한다. 결론적으로, 본 연구에서 고안된 음악회상기법은 부적 정서의 경감 및 정서 조절에 효과적인 하나의 대응 방안이 될 수 있다.

• 한국산업보건학회지
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• 제21권3호
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• pp.168-176
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• 2011

Objectives: Hundreds of thousands of call center workers are wearing an acoustic device for their businesses, such as telemarketing and customer counseling, and the number of the workers are increasing sharply. Because call center workers always talk to dozens of customers over the headset, they would be placed under the state of a higher risk with their hearing ability. The purpose of this study is to investigate factors that affect the hearing thresholds for the call center workers. Methods: This study investigated hearing losses of 101 workers of 5 call centers in Korea by executing puretone audiometry and self-administered questionnaires. A cross table analysis was processed to compare gender differences between male and female. Male and female hearing thresholds were compared with the Students' t-test, and one-way ANOVA was conducted to observe the difference between non-occupational and occupational characteristics in 2, 3, 4, 6, and 8 kHz hearing thresholds for the female workers. Additionally, multiple regression analysis was conducted to find the factors that affect the 4 kHz hearing thresholds. Results and Conclusions: Male hearing thresholds were higher than those of female except for 8 kHz. In the group having an ear related disease, hearing threshold of male left ear was highly affected rather than that of female in 4 kHz. There were significant differences in the variables of alcohol drinking (2 kHz) and headset volume (8 kHz) in both ears. While this study does not show any significant factors that affect the hearing thresholds in the occupational characteristics, the gender and the previous ear related diseases, non-occupational characteristics, were found as the factors in 4 kHz. It is suggested that the more detailed survey be performed to identify the occupational factors that affect the hearing thresholds in the call center workers based on the result derived from this study.

• 한국안전학회지
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• 제23권2호
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• pp.65-71
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• 2008

As the interest in traffic safety has been increasing recently, social movement is being made to reduce the number of traffic accidents and the view on improving the mobility of the existing roads is being converted into on establishing traffic safety as a priority. The increase of traffic accidents related to an intersection in a state that traffic accidents are decreasing overall may suggests the necessity to investigate the specific causes. In addition, we have to consider them when establishing the measures against traffic accidents in a intersection by investigating and analyzing the influences and factors that may affect traffic accidents. To induce the accident severity model, we collected the factors that affect accidents and then applied the Poisson Regression Model among nonlinear regression analysis by verifying the distribution of variables. As a result of the analysis, it turned out that the volume of traffic on main roads, the right turn ratio on sub-roads, the number of ways out on sub-roads, the number of exclusive roads for a left turn, the signals for a right turn on main roads, and an intersect angle were the factors that affect the accident severity.

• 보건교육건강증진학회지
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• 제18권1호
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• pp.17-33
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• 2001

The purpose of this study was to identify the major factors affecting performance in health promoting lifestyles in continuous ambulatory peritoneal dialysis(CAPO) patients. The subjects for this study were 98 CAPO patients living in Pusan city. The data for this study were collected from October 15th, 1999 to January 15th, 2000 by structured questionaries. Statistical analysis was done using SPSS softwares. The results were as follows: 1. The average score of performance in the health promoting lifestyles was 2.34. The variable with the highest degree of performance was self-actualization and nutrition, whereas the one with the lowest degree was exercise. 2. In the subscale of the health promoting lifestyles, especially educational level, marital state and CAPO period, there was significant differences between demographic variables and performance in the health promoting lifestyles. 3. The activity-related affect, situational influences, self-efficacy, and perceived barriers in the behavior-specific cognitions and affect have a significant correlation with performance in the health promoting lifestyles. 4. The most important variable that affects the performance in the health promoting lifestyles was situational influences, and the self-efficacy, perceived barriers, every monthly treatment cost, duration of chronic renal failure followed in order, activity-related affect. Those six variables accounted for 38.3% among the variables in health promoting lifestyles.

• The Korean Journal of Ceramics
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• 제1권1호
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• pp.29-34
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• 1995

Theoretical predictions were made for thermodynamically stable phases which formed when alkali(sodium and Potassium) vapors reacted with the 90% $Al_2O_3$-10% $Cr_2O_3$ refractory under coal gasifying atmosphere using the computer program of SOLGASMIX-PV. The calculation results showed that the stable compounds that formed were $X_2O$.$Al_2O_3$ and $X_2O$.$llAl_2O_3$(X=$Na^+$ or $K^+$), depending upon the alkali concentration. The presence of sulfur in gasifying atmospheres did not appear to affect the species of alkali reaction products. Alkali attack at high temperatures is likely to cause serious degradation at the hot face of the refractory, indicating that the alkali concentration is an important factor to affect the degradation of the refroctory.

• 대한가정학회지
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• 제47권9호
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• pp.83-90
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• 2009

The purpose of this study was to investigate advertising avoidance of the Internet fashion advertising. Three hundred and thirty college students living in Seoul and its suburb participated in this study. For data analysis, descriptive statistics, reliability, and Structure Equation Modeling were used. The results were as follows. First, an ‘informativeness’ and ‘entertainment’ of advertisement affected negatively on fashion advertising avoidance. Second, ‘the perceived intrusiveness’ of advertisement did not affect significantly on fashion advertising avoidance. Third, ‘the clutter’ of advertisement did affect positively on advertising avoidance. Based on these results, this study would provide Internet fashion marketers more efficient Internet fashion advertising strategies.

• 대한전기학회논문지
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• 제43권2호
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• pp.251-258
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• 1994

To apply the Power MOSFET to the high powerd circuits, the parallel operation of the Power MOSFET must be considered because of their low power rating. This means, in practical applications, design methods for the parallel operations are required. However, it is very difficult to investigate the problem of parallel operations by directly changing the internal parameters of the MOSFET. Thus, in this paper, the effects of internal parameters for the parallel operation are investigated using SPICE program which is often used and known that the program is very reliable. The investigation results show that while the gate resistance and gate capacitances are the parameters which affect to the dynamic switching operations, the drain and source resistances are the parameters which affect to the steady-state current unbalances. Through this investigation, the design methods for the parallel operation of the MOSFET are suggested, which, in turn, contributes to the practical use of Power MOSFETs.

• 한국전산유체공학회:학술대회논문집
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• 한국전산유체공학회 2003년도 The Fifth Asian Computational Fluid Dynamics Conference
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• pp.207-208
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• 2003

Increasing interest in indoor air quality (IAQ) control has been found because of its serious effect on human health. To evaluate IAQ, thermal comfort in terms of temperature and velocity distributions of indoor air has to be analyzed in detail. Choice of location for installation of air-conditioner in a building will affect the performance of cooling effect and thermal comfort on the occupants, which in turn will affect the indoor air quality (IAQ) of the building. In this paper, we present a discussion on the proper location of the air-conditioner in order to obtain good thermal comfort for occupant of a typical bedroom in Macao. A set of carefully designed numerical experiments is run with the Computational Fluid Dynamics (CFD) software FLOVENT 3.2 [1]. Reynolds averaged Navier-Stokes equations are solved with finite volume technique and turbulence effects upon the mean flow characteristics is modeled with the k - & model. Assumption of steady state environment is made and only convective and conductive heat transfer from the occupant and air-conditioner are being concerned.

• 의학교육논단
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• 제13권2호
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• pp.25-37
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• 2011

Purpose: Core competencies for becoming a good physician have been the focus of recent discussion. Understanding students' state of mind should be included in this analysis. Thus, the purpose of this study was to review recent research papers on subjective well-being in medical education and propose some suggestions. Methods: A selective search was conducted of the literature that has been published since 2000 in the Medline, Riss4U, ERIC, and KoreaMed databases using the search terms "happiness", "subjective well-being", "satisfaction", and "stress". Thirty seven studies were included in this review. Each was categorized according to 3 subjects (satisfaction, positive affect, negative affect). Results: Most studies showed relatively high levels of distress in medical students, which was related to academic worries. Although medical students were under a great deal of distress, they regarded help-seeking behavior for their distress as weakness or something negative. Conclusion: To decrease medical students' distress and sustain their well-being, there should be a change in students' awareness through curriculum, teaching methods, and coping strategies in medical education.