• 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.

• Health Policy and Management
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• v.33 no.4
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• pp.450-456
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• 2023

Background: This study aims to develop a "Predictive Model for the Possibility of Collection Delinquent Health Insurance Contributions" for the National Health Insurance Service to enhance administrative efficiency in protecting and collecting contributions from livelihood-type defaulters. Additionally, it aims to establish customized collection management strategies based on individuals' ability to pay health insurance contributions. Methods: Firstly, to develop the "Predictive Model for the Possibility of Collection Delinquent Health Insurance Contributions," a series of processes including (1) analysis of defaulter characteristics, (2) model estimation and performance evaluation, and (3) model derivation will be conducted. Secondly, using the predictions from the model, individuals will be categorized into four types based on their payment ability and livelihood status, and collection strategies will be provided for each type. Results: Firstly, the regression equation of the prediction model is as follows: phat = exp (0.4729 + 0.0392 × gender + 0.00894 × age + 0.000563 × total income - 0.2849 × low-income type enrollee - 0.2271 × delinquency frequency + 0.9714 × delinquency action + 0.0851 × reduction) / [1 + exp (0.4729 + 0.0392 × gender + 0.00894 × age + 0.000563 × total income - 0.2849 × low-income type enrollee - 0.2271 × delinquency frequency + 0.9714 × delinquency action + 0.0851 × reduction)]. The prediction performance is an accuracy of 86.0%, sensitivity of 87.0%, and specificity of 84.8%. Secondly, individuals were categorized into four types based on livelihood status and payment ability. Particularly, the "support needed group," which comprises those with low payment ability and low-income type enrollee, suggests enhancing contribution relief and support policies. On the other hand, the "high-risk group," which comprises those without livelihood type and low payment ability, suggests implementing stricter default handling to improve collection rates. Conclusion: Upon examining the regression equation of the prediction model, it is evident that individuals with lower income levels and a history of past defaults have a lower probability of payment. This implies that defaults occur among those without the ability to bear the burden of health insurance contributions, leading to long-term defaults. Social insurance operates on the principles of mandatory participation and burden based on the ability to pay. Therefore, it is necessary to develop policies that consider individuals' ability to pay, such as transitioning livelihood-type defaulters to medical assistance or reducing insurance contribution burdens.

• Journal of Korean Academy of Nursing
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• v.36 no.8
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• pp.1315-1323
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• 2006

Purpose. The present study was intended to compare difference in research variables between delinquent adolescents and student adolescents, and to analyze discriminative factors of delinquent behaviors among Korean adolescents. Methods. The research design of this study was a questionnaire survey. Questionnaires were administered to 2,167 adolescents (1,196 students and 971 delinquents), sampled from 8 middle and high school and 6 juvenile corrective institutions, using the proportional stratified random sampling method. Statistical methods employed were Chi-square, t-test, and logistic regression analysis. Results. The discriminative factors of delinquent behaviors were smoking, alcohol use, other drug use, being sexually abused, viewing time of media violence and pornography. Among these discriminative factors, the factor most strongly associated with delinquency was smoking (odds ratio: 32.32). That is, smoking adolescent has a 32-fold higher possibility of becoming a delinquent adolescent than a non-smoking adolescent. Conclusions. Our findings, that smoking was the strongest discriminative factor of delinquent behavior, suggest that educational strategies to prevent adolescent smoking may reduce the rate of juvenile delinquency. Antismoking educational efforts are therefore urgently needed in South Korea.

• Convergence Security Journal
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• v.15 no.6_2
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• pp.37-44
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• 2015

There appears a variety forms of crime type and age in accordance with the change of social structure. In this paper it is described for combining the Anomie theory of Emile Durkheim. Anomie refers to the absence of dual standards or norms. In other words, while weakening the existing norms prevailing when the new rules has not been established. That situation would cause social chaos. Rules on the dissemination and utilization of SNS due to the development of information and communication technology undermine the social norms while online regulations are being a weak state not established. In the confusion of these norms it has been shown to increase in juvenile delinquency. Social media has characteristics such as openness, accessibility, relationships, and content diversity. The social media itself is not subject to the general mechanisms of consumption and production due to growing as a kind of organism. It has characteristic to make the most content by utilizing the users to voluntarily share information. Social media using as communication, contact and information in the youth, thus the possibility of crime is high. Social media is also direct and indirect influence on youth crime but no apparent systemic regulation of this situation.

• Journal of Information Technology Services
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• v.11 no.4
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• pp.233-250
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• 2012

In this paper, credit card delinquency means the possibility of occurring bad debt within the certain near future from the normal accounts that have no debt and the problem is to predict, on the monthly basis, the occurrence of delinquency 3 months in advance. This prediction is typical binary classification problem but suffers from the issue of data imbalance that means the instances of target class is very few. For the effective prediction of bad debt occurrence, Support Vector Machine (SVM) with kernel trick is adopted using credit card usage and payment patterns as its inputs. SVM is widely accepted in the data mining society because of its prediction accuracy and no fear of overfitting. However, it is known that SVM has the limitation in its ability to processing the large-scale data. To resolve the difficulties in applying SVM to bad debt occurrence prediction, two stage clustering is suggested as an effective data reduction method and ensembles of SVM models are also adopted to mitigate the difficulty due to data imbalance intrinsic to the target problem of this paper. In the experiments with the real world data from one of the major domestic credit card companies, the suggested approach reveals the superior prediction accuracy to the traditional data mining approaches that use neural networks, decision trees or logistics regressions. SVM ensemble model learned from T2 training set shows the best prediction results among the alternatives considered and it is noteworthy that the performance of neural networks with T2 is better than that of SVM with T1. These results prove that the suggested approach is very effective for both SVM training and the classification problem of data imbalance.

• Journal of the Korean Home Economics Association
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• v.50 no.5
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• pp.25-38
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• 2012

Drawing on social and cultural capital theory, the study investigates the influences of social capital and cultural capital on the academic achievement of children in out-of-home care. We collected data from 494 children living in out-of-home services, including institutional care facilities, foster care homes, and group homes. To analyze the collected data, a multiple regression analysis method was used. In addition, the IV (instrumental-variables) estimation was utilized to rule out the possibility of reverse causality. The level of children's social capital was measured through children's relationships with parents and friends, parental monitoring, etc. The level of children's cultural capital was measured by their cultural activities, such as going to museums, and playing musical instruments. Children's personal characteristics and placement history in out-of-home services were used as control variables. We found that among personal characteristic variables, self-esteem, depression and anxiety, and delinquency affected the academic achievement of the children. Cultural capital, but not social capital, positively affected the level of academic achievement of the children. Based on the study results, implications for child welfare practice were discussed.

• Korean Journal of Forensic Psychology
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• v.13 no.1
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• pp.53-74
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• 2022

This article aims to explore the possibility of forgiving among serious juvenile offenders placed in correctional facilities, as an alternative to current correctional approaches. The definition, characteristics, and misconceptions of forgiveness were outlined, and the two major models of forgiveness were introduced. The differences between the two concepts of forgiveness in psychological literature and in restorative justice were addressed. Based on the prior studies on the prevalence of adverse childhood experiences in serious juvenile delinquents and a recent forgiveness project conducted in a maximum-security prison, it was argued that it would be possible for a small number of serious juvenile offenders in correctional facilities to forgive someone who did injustice in the past, which would result in an improvement in the outcomes of correctional education and treatment. Some limitations of this article and the need of further studies were pointed out as well.

• The Journal of the Korea Contents Association
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• v.17 no.10
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• pp.65-71
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• 2017

It is true that there is a possibility of distortion in the statistical surveys or actual surveys depending on which investigator, what purpose, and how research method. Even statistical results are more likely to be 'lying', and statistics on crime or delinquent are sometimes referred to as 'whopper'. There are many reasons for not trusting statistics on crime or delinquent, but one of the main causes is the existence of a hidden crime or an unreported crime. In order to overcome these hidden crime problems, victim surveys or self-report surveys are being used. However, this method also has the problem of underreporting or overreporting depending on the type of crime. Because investigations into crime, delinquency, and deviant behavior are very sensitive, the subjects have a psychological burden. A randomized response model has been developed and used in the field of statistics as a way to induce a true answer to the sensitive content which is burdensome to reveal the experiences of the survey subjects. This technique is a very useful way to solve the problems of victim surveys or self-report surveys. Nevertheless, there are very few cases in the field of criminology in Korea. Therefore, in order to examine the applicability of the randomized response model in the field of criminology, this study used the randomized response model to actually measure the content of prostitution for college students and the effectiveness of the randomized response model was confirmed.

• Journal of Digital Convergence
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• v.15 no.2
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• pp.121-133
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• 2017

The propose of study is to examine the characteristics of companies with high possibility to form an internal control weakness using forecasting model. This study use the actual listed/unlisted companies' data from K_financial institution. The first conclusion is that discriminant model is more valid than logit model to predict internal control weak companies. A discriminant model for predicting the vulnerability of internal control has high classification accuracy and has low the Type II error that is incorrectly classifying vulnerable companies to normal companies. The second conclusion is that the characteristic of weak internal control companies have a low credit rating, low asset soundness assessment, high delinquency rates, lower operating cash flow, high debt ratios, and minus operating profit to the net sales ratio. As not only a case of listed companies but unlisted companies which did not occur in previous studies are extended in this study, research results including the forecasting model can be used as a predictive tool of financial institutions predicting companies with high potential internal control weakness to prevent asset losses.