• Journal of applied mathematics & informatics
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• 제26권1_2호
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• pp.203-212
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• 2008

Practical stability is a significant practical importance in scientific and engineering problems but less investigated. In this paper, we studied practical stability in swarms system and present new results.

• 한국컴퓨터정보학회논문지
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• 제3권3호
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• pp.129-137
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• 1998

국민경제에서 중소기업이 차지하고 있는 비중은 계속 증가하고 있는 가운데 중소기업의 경영상의 애로점으로 자금 조달의 문제가 가장 심각한 것으로 지적되고 있다. 본 연구는 중소기업의 경영 문제 가운데 재무구조의 실태를 파악하고 이를 대기업 또는 우리나라산업평균 재무비율과 비교함으로써 중소기업의 재무안정성 비율을 분석한 것이다. 조사 분석 결과 전체적으로 산업별 표준비율에는 그 수준이 미치지 못하고 있으나 산업평균과 비교할 때 그 수준이 양호한 것으로 조사되었으며 산업평균에 비해 안정성과 유동성이 양호한 반면 차입금 의존도가 대단히 낮은 것으로 조사되어 국가 또는 행정 자치적인 측면에서 중소기업 자금 지원 정책이 개발되어야 할 것으로 인식되었다.

• 벤처창업연구
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• 제10권1호
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• pp.13-21
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• 2015

본 연구는 창업보육센터 매니저의 고용안정성과 역량이 입주기업에 미치는 서비스 수준과 경영성과를 규명하기 위해 전국 50개 창업보육센터에 입주한 215개 기업을 대상으로 설문을 실시하였다. 본 연구를 통해 창업보육사업에 있어 매니저의 고용안정성과 역량이 창업기업의 성장을 지원하는데 중요한 변수임을 확인하는데 목적이 있다. 연구의 결과 창업보육센터 매니저의 고용안정성은 입주기업 지원서비스 수준과 경영성과에 미치는 영향에 대해 매니저의 고용안정성이 높은 집단이 그렇지 못한 집단보다 통계적으로 유의한 영향을 미치는 것으로 나타났으며, 고용안정성이 높은 집단의 매니저 역량이 높게 나타남을 확인하였다. 또한 매니저 역량이 입주기업 지원서비스 수준과 경영성과에 미치는 영향 관계를 분석한 결과 매니저 역량이 높을수록 입주기업이 느끼는 서비스 만족도와 경영성과가 높게 나타남을 확인하였다. 이는 창업보육센터가 입주기업의 성공적인 창업활동을 지원하기 위해 매니저의 고용안정성을 보장하여 입주기업의 안정적인 성장을 지원할 수 있도록 여건을 조성하여야 하며, 매니저의 전문성을 강화를 통하여 입주기업의 성장을 지원할 수 있는 토대를 마련해야 할 것이다.

• The Journal of Asian Finance, Economics and Business
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• 제8권2호
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• pp.317-328
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• 2021

This study examines the impact of bank competition and efficiency in the financial stability of the banking sector in Bangladesh. The study used the Lerner index and the Boone indicator to represent the bank competition, while the non-performing loan (NPL) and Z-score are used to represent financial stability. The secondary data were collected from the annual reports of 28 DSE listed commercial banks of Bangladesh over the period from 2011 to 2018. Using a dynamic panel GMM model, the study found the Lerner index is significantly negatively related with Z-score, which means that higher bank competition results in higher bank stability. It is also seen that higher cost efficiency results in higher bank stability. The Lerner index has negative, but insignificant impact on NPL. Similarly, using the Boone indicator, this study found that lower competition increases NPL. In terms of the Z-score, the Boone indicator found that 1 unit of increment results in decrease of the Z-score by 6.15 units. The study suggests that, as more competition results in more financial soundness, the banking industry competition should be ensured by policymakers or regulators. Banks could enhance financial stability by cost control to achieve cost efficiency as well as by improving loan-to-asset ratio.

• The Journal of Asian Finance, Economics and Business
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• 제9권8호
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• pp.183-196
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• 2022

Bank stability serves as a prerequisite for the smooth functioning of economic and financial activities in the country. Banks face numerous risks, and liquidity plays an essential role in determining a bank's long-term growth and financial stability. By using the sample of 70 banks of the Gulf Cooperation Council, this study examines the association between funding the liquidity and the creation of liquidity and their impact on bank stability. Firstly, the reciprocal relationship reveals between funding the liquidity and the creation of liquidity by employing the 2SLS regression model. Further, by employing the dynamic GMM model, the research finds that funding liquidity is significant and positively influences bank stability. However, bank stability is significantly negatively influenced by the creation of liquidity, but the combined effect of funding the liquidity and creation of liquidity positively explains the bank stability. Additionally, this study reveals that managerial optimism biases contribute to determining the bank's liquidity and long-term stability. The finding of this study supports the executives, policymakers, and management of banks in understating liquidity risks, efficiency, and bank stability. The findings support regulatory guidelines mainly by the Basel III framework, which places more importance on the joint management of funding the liquidity and creation of liquidity in the economy.

• The Journal of Asian Finance, Economics and Business
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• 제8권12호
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• pp.353-361
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• 2021

An economic system is a means by which societies or governments organize and distribute available resources, services, and goods across a geographic region or country. The Islamic financial system faces a number of challenges as part of its role as a tool for developing economic activities. This study intends to advance research by Lassoued (2018) by expanding the research population to include Islamic banks in Asia and adding new dimensions - the size of the independent commissioner and corporate governance. The population of this study is the 100 largest Islamic banks in Asia. Statistical calculations with the STATA application is used for data analysis. Based on the test results, it was found that the size of the sharia board and the independent board of directors did not affect the financial stability of Islamic banking companies. Another finding is that the size of the independent commissioner affects financial stability. This finding shows that commissioners have played an active role in the company, indicating that if the sharia banking company has an ideal number of independent commissioners, it will be advantageous to the company's stability and business sustainability.

• The Journal of Asian Finance, Economics and Business
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• 제8권7호
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• pp.139-150
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• 2021

The financial system is a relatively important sector in the economy of a country. Its role in providing access to financial services to people is able to support a better economy. The main problem in this financial system is caused by the barriers that prevent individuals or companies from accessing these financial services. This study aims to empirically analyze the relationship financial inclusion and financial system stability in ASEAN 4 (Indonesia, Malaysia, Thailand, and The Philippines). Financial inclusion proxied by the financial inclusion through credit variable and other banking variables such as the number of financial services access, banking asset, and financial system stabilization is seen from banking performance through non-performing loan and Z score instruments. Empirically, the study uses panel data in the form of annual data for 2005-2016. The method used Panel VAR. The result shows that financial inclusion affects the stability of the financial system in ASEAN 4. This indicates that financial development through financial inclusion can encourage stability of the financial system in ASEAN 4. In this globalization era, the integrated financial system is increasing, this research shows the importance of developing financial inclusion by eliminating barriers to financial exclusion.

• 패션비즈니스
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• 제22권3호
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• pp.30-38
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• 2018

Glycolic acid(GA) is well known the most effective cosmetic ingredient on the epidermal remodeling, accelerated desquamation and inhibitory effect on melanin synthesis. The various cosmetic formulations containing GA have not been reported in terms of stability. This study was to investigate the stability of three formulations(gel, cream, and ointment). The stability of obtained formulations was tested chemical and physical characteristics including the composition stability, hot-cool cycling, the variation of pH and viscosity, and the observation of color and odor. The experimental results showed that the gel and cream containing 5% GA, both formulations have proper stability in the centrifugal test, hot-cool cycling test, viscosity, pH stability and the observation of color and odor. On the other hand, the 5% GA ointment did not have stability. We concluded that the formulations of gel and cream are more suitable than ointment to use GA ingredient for developing cosmetic in terms of stability.

• 유통과학연구
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• 제20권9호
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• pp.23-28
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• 2022

Purpose: Research on banking sustainability plays an important role in helping banks understand the level of risk in different types of companies. Therefore, this study was conducted to determine the factors affecting the sustainability of Joint Stock Commercia l Banks in Vietnam. Research design, data and methodology: The following theories, the factors affecting the bank's sustainability include: Business model diversification (income diversification), bank size, loan ratio, and net interest margin. Data was collected from Joint Stock Commercial banks in Vietnam from 2015 to 2019. With GLS model on panel data with banks listed on Vietnam stock exchange. Results: The analysis results show that net interest income has a positive impact on the sustainable business results of banks through the rate of return on total assets (ROA). The non-interest income hasn't impact on bank stability. From this result, there aren't positive signs of income diversification in banks. At the same time, with the obtained results, the study also provides a policy implication for banks. Conclusions: The study also provides some policy implications to improve the bank stability. Diversifying income in banks is necessary, but how to make it influential banks has not yet been done. Therefore, the adjustments in non-interest business activities need to be carefully considered by banks.

• 산업경영시스템학회지
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• 제33권4호
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• pp.130-137
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• 2010

This paper analyzes the main factors affecting user selection of a small-sum electronic payment system using survey data of 396 users. Several findings emerge. First, users consider three pillars and eight factors in adopting a new system : system features(stability, security, and flexibility), transaction cost(payment commission and settlement period), and financial capability of provider(stability of financial structure, risk management capability, and funding capability). Second, the stability of the financial structure of the system provider is the most important factor to user acceptance of a new e-payment system. Users tend to consider uncertainty risk more seriously than transaction cost. This reflects the reality that electronic payment system service industry has not fully fledged yet. Third, some moderating effects exist according to payment methods and business usages. As for payment methods, speedy settlement cycle for wired/wireless phone payment, system stability for credit card and account transfer payment, and security for advance payment means are crucial factors. As for business usages, the stability of financial structure for online game content, system stability for music and video content, proxy payment commission for e-learning content, flexibility of the payment system for digital adult content, and security for public services are decisive ones.