• Asia-Pacific Journal of Business
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• v.11 no.3
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• pp.63-77
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• 2020

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

• Tunnel and Underground Space
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• v.2 no.1
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• pp.116-122
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• 1992

A comprehensive, nonsteady state, computer simulation program for the environmental conditions in advancing tunnels (the HEADSIM simulation program) is constructed and successfully validated with heat balance amongst all heat sources, and with mass conservation amongst various airflows including the leakage air from ducts, under timedependent variations of inlet air conditions. which include sudden, diurnal and seasonal changes. Heat conduction in the wall strata and face strata is simulated with most complicated boundary conditions using the finite difference method, and the climatic conditions in roadway sections which contain air ducts, booster fan, spray cooler, compressed air pipes, cold water pipes, return water pipes, machinery and broken rock are simulated taking into account the variations of face operation and the heat storage mechanism in the strata. The limitations of simulation time steps and roadway section lengths are defined according to the stability criteria satisfying the principles of thermodynamics. Variations of heat transfer coefficients, which are newly set, and those of wetness factors are taken into account according to the variations of other parameters and the stepwise advance of the face. Newly-derived formulae are used for computing the air duct leakage and the pressure inside of the duct. A new concept of an 'imaginary duct' is introduced to simulate the climatic conditions in tunnels during holiday periods, which directly affect conditions on subsequent working days under the consideration of natural convection. A subsidiary program (the WALLSIM simulation program) is made to compute the dimensionless tunnel surface temperatures and to compare the results with those from analytical approaches, and to demonstrate the stability, convergence and accuracy of the strata heat conduction simulation, adopting the finite difference method. The WALLSIM also has wide applications, including those for the computation of age coefficients.

• Journal of the Korean earth science society
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• v.35 no.7
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• pp.537-542
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• 2014

The Gravity Recovery and Climate Experiment (GRACE) has observed the Earth's mass redistribution mainly caused by the variations of groundwater, ice sheet, and sea level since its launch in April 2002. The global gravity model estimated by the GRACE observation is corrected by barometric pressure, and thus represents the change of Earth mass on the Earth's surface and below Earth's surface excluding air mass. However, the total air mass varies due to the water exchange between the Earth's surface and the atmosphere. As a result, the nominal GRACE gravity model should include the Earth's gravity spectrum associated with the total air mass variations, degree 0 and order 0 coefficients of spherical harmonics ($C_{00}$). Because the water vapor content varies mainly on a seasonal time scale, a change of $C_{00}$ (${\delta}C_{00}$) is particularly important to seasonal variations of sea level, and mass balance between northern and southern hemisphere. This result implies that ${\delta}C_{00}$ coefficients should be accounted for the examination of continental scale mass change possibly associated with the climate variations.

• Asian-Australasian Journal of Animal Sciences
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• v.26 no.1
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• pp.97-107
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• 2013

The aim of this study was to establish relationships between chemical and physical parameters of wheat with performance and digestibilities of feed components in broiler chickens fed on wheat-based diets. Ninety-four wheat samples were selected for inclusion in four bird trials. Birds were housed in individual wire metabolism cages from 7 to 28 d and offered water and feed ad libitum. Dry matter intake (DMI), liveweight gain (LWG) and gain:feed were measured weekly. A balance collection was carried out from 14 to 21 d for determination of apparent metabolizable energy (AME), ME:gain, dry matter retention, oil and neutral detergent fibre (NDF) digestibility. At 28 d the birds were humanely killed, the contents of the jejunum removed for determination of in vivo viscosity and the contents of the ileum removed for determination of ileal dry matter, starch and protein digestibility. When wheat parameters were correlated with bird performance data, it was found that specific weight was not significantly (p>0.05) related to bird performance. Bird DMI, LWG and gain:feed were best correlated (p<0.05) with the rate of starch digestion, although the coefficients of correlation (r) were still low (0.246 to 0.523). A negative relationship (p<0.01) between AME and total (r = -0.432) and soluble (r = -0.304) non starch polysaccharide (NSP) was observed in this study. Thousand grain weight (TG) was positively correlated with DMI (r = 0.299), LWG (r = 0.343) and gain:feed (r = 0.371). When establishing multiple regression relationships, correlation coefficients greater than 0.8 were achieved for DMI, LWG, gain:feed and ileal crude protein digestibility. However, the economics involved in determining the parameters involved in the regressions make the process impractical.

• Transactions of the Korean Society of Mechanical Engineers A
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• v.24 no.12
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• pp.2989-2994
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• 2000

A mechanical face seal is a tribo-element intended to control leakage of working fluid at the interface of a rotating shaft and its housing. Leakage of working fluid decreases drastically as the clearance between mating seal faces gets smaller. But the very small clearance may result in an increased reduction of seal life because of high wear and heat generation. Therefore, in the design of mechanical face seals a compromise between low leakage and acceptable seal life is important, ant it present a difficult and practical design problem. A fluid film or sealing dam geometry of the seal clearance affects seal lubrication performance very much, and thereby is optimization is one of the main design consideration. in this study the Reynolds equation for the sealing dam of mechanical face seals is numerically analyzed, using the Galerkin finite element method, which is readily applied to various seal geometries, to give lubrication performances, such as opening force, restoring moment, leakage, and axial and angular stiffness coefficients. Then, to improve the seal performance an optimization is performed, considering various design variables simultaneously. For the tested case the optimization ha successfully resulted in the optimal design values of outer and inner seal radii, coning, seal clearance, and balance radius while satisfying all the operation subjected constraints and design variable side-constraints, and improvements of axial and angular stiffness coefficients by 16.8% and 2.4% respectively and reduction of leakage by 38.4% have been achieved.

• Health Policy and Management
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• v.18 no.2
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• pp.19-38
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• 2008

Financial ratios are key indicators of an organization's financial and business conditions. Among various financial indicators, profitability, financial structure, financial activity and liquidity ratios are frequently used and analyzed. Using the structural equation modeling(SEM) technique, this study examines the structural causal relationships among key financial indicators. Data for this study are taken from complete financial statements from 142 hospitals that passed the standardization audit undertaken by the Korean Hospital Association from 1998 to 2001 for the purpose of accrediting teaching hospitals. In order to improve comparability, ratio values are standardized using the Blom's normal distribution. The final model of the SEM has four latent constructs: financial activity(total asset turnover, fixed asset turnover), liquidity(current ratio, quick ratio, collection period), financial structure(total debt to equity, long-term debt to equity, fixed assets to fund balance), and profitability(return on assets, normal profit to total assets, operating margin to gross revenue, normal profit to gross revenue). While examining several model fit indices(Chi-square (df) = 178.661 (40), likelihood ratio=4.467, RMR=.11, GFI=.849, RMSEA=.157), the final SEM we employed shows a relatively good fit. After examining the path coefficient of the constructs, the financial structure of the hospital affects the hospital's profitability in a statistically significant way. A hospital which utilizes its liabilities, more specifically fixed liabilities, and makes a stable investment decision for fixed assets was found to have a higher profitability than other hospitals. Then, the standard path coefficients were examined to directly compare the influence of variables. It was found that there were no statistically significant path coefficients among constructs. When it comes to variables, however, statistically significant relationships were found. between. financial activity and. fixed. asset turnover, and between profitability and normal profit to gross revenue. These results show that the observed variables of fixed asset turnover and normal profit to gross revenue can be used as indicators representing financial activity and profitability.

• Korean Journal of Food Science and Technology
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• v.18 no.1
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• pp.61-65
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• 1986

This study was performed to examine the drying characteristics of apples at various drying conditions. Air velocity has no effect on the drying rate except the constant rate period. In this experiment the diffusion coefficients of moisture in the apple tissue were in the range of $1.1470-2.2148{\times}10cm^2/sec$. As a result of balance of heat and mass transfer during the falling rate period. an empirical equation based on Fick's law was obtained as follows; $log{\Delta}t\;=\;log\;t_o\;-\;D{\frac{{\pi}^2{\theta}}{4d.}}$ This equation can be used to calculate the temperature of apples during the falling rate period, provided the diffusion coefficients of apple are known. The experimental values of the internal moisture distribution during apple dehydration were nearly in accord with the theoretical values.

• Nuclear Engineering and Technology
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• v.45 no.5
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• pp.573-580
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• 2013

The combined effects of reactivity coefficients, along with other core nuclear characteristics, determine reactor core behavior in normal operation and accident conditions. The Power Coefficient of Reactivity (PCR) is an aggregate indicator representing the change in reactor core reactivity per unit change in reactor power. It is an integral quantity which captures the contributions of the fuel temperature, coolant void, and coolant temperature reactivity feedbacks. All nuclear reactor designs provide a balance between their inherent nuclear characteristics and the engineered reactivity control features, to ensure that changes in reactivity under all operating conditions are maintained within a safe range. The $CANDU^{(R)}$ reactor design takes advantage of its inherent nuclear characteristics, namely a small magnitude of reactivity coefficients, minimal excess reactivity, and very long prompt neutron lifetime, to mitigate the demand on the engineered systems for controlling reactivity and responding to accidents. In particular, CANDU reactors have always taken advantage of the small value of the PCR associated with their design characteristics, such that the overall design and safety characteristics of the reactor are not sensitive to the value of the PCR. For other reactor design concepts a PCR which is both large and negative is an important aspect in the design of their engineered systems for controlling reactivity. It will be demonstrated that during Loss of Regulation Control (LORC) and Large Break Loss of Coolant Accident (LBLOCA) events, the impact of variations in power coefficient, including a hypothesized larger than estimated PCR, has no safety-significance for CANDU reactor design. Since the CANDU 6 PCR is small, variations in the range of values for PCR on the performance or safety of the reactor are not significant.

• Physical Therapy Korea
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• v.14 no.3
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• pp.41-47
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• 2007

Dance movements consist of combinations of movements such as jumping, rotation, maintaining balance, leg lifts, and plantar flexion with toe shoes. Dance movements require great muscle strength of lower extremities as well as muscular endurance. The purposes of this study were to investigate correlation between the anthropometric variables and the peak torque in young female dancers and to identify variables that affect isokinetic peak torque. Twenty-six female dancers ($19.7{\pm}1.2$ years of age) performed concentric maximum force efforts on the knee extensors and flexors at $60^{\circ}/sec$ and $120^{\circ}/sec$, the ankle plantar flexors (PF) and dorsiflexors (DF) at $30^{\circ}/sec$ and $120^{\circ}/sec$. Antropometric variables such as age, height, weight, body mass index (BMI), thigh girth, calf girth and duration of dance training were measured. To identify antropometric variables related to muscle strength, Pearson correlations were computed and a stepwise multiple regression analysis was performed. Pearson correlation coefficients of Knee extensor at $60^{\circ}/sec$ and $120^{\circ}/sec$ revealed moderate positive associations with BMI and thigh girth. Pearson correlation coefficients of ankle PF revealed low-to-moderate positive associations with height. Ankle DF also revealed moderate positive associations with BMI and calf girth. The main predictor variables of knee extensor at 60/sec, were stepwise multiple regression, age, height, thigh and girth.

• Journal of Korean Society of Occupational and Environmental Hygiene
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• v.10 no.1
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• pp.160-169
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• 2000

Daily indoor and outdoor nitrogen dioxide ($NO_2$) concentration for 30 days were measured in 28 houses with questionnaire of housing characteristics in Brisbane, Australia. Using mass balance equation and regression analysis, penetration factors and source strength factors were calculated. The penetration factors of 27 houses except one house were between zero and 1, though penetration factor should be between zero and 1 by means of mass balance equation. Relationship between indoor and outdoor concentrations in each 27 house was calculated using regression analysis. According to the obtained linear regression equation, the slope means penetration factor and the intercept means source strength factor. Calculated mean and standard deviation of coefficients of determination ($R^2$) in electric and gas range houses were $0.70{\pm}0.13$ and $0.57{\pm}0.21$, respectively. The source strength factors were more than zero in 27 houses. Mean and standard deviation of slopes in electric and gas range houses were $0.65{\pm}0.18$ and $0.56{\pm}0.12$, respectively. Mean and standard deviation of intercepts in electric and gas range houses were $1.49{\pm}1.25$ and $5.77{\pm}3.55$, respectively. Air exchange rate and source strength were calculated from penetration factor and source strength factor, respectively. Geometric mean and standard deviation of calculated air exchange rates in 27 houses were $1.1/hr{\pm}1.5$. Presence of gas range was the most significant factor contributing to indoor $NO_2$ level in house characteristics (p=0.003). In gas range houses, source strengths ranged from 4.1 to $33.1cm^3/hr{\cdot}m^3$ with a mean $12.7cm^3/hr{\cdot}m^3$ and a standard deviation 9.8. The source strengths of gas range houses were significantly different from those of electric range houses by t-test (p<0.001)