• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.649-656
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• 2021

This paper aims to examine the moderating role of bank competition on the effect of liquidity creation on bank capital. We measure bank competition using the Lerner index approach, liquidity creation using the Catfat approach, and bank capital using the capital to total asset ratio approach. This test also considers control variables from bank-specific factors such as Return on Assets, Loan to Deposit Ratio, and Non-Performance Loans as well as macroeconomic factors such as Gross Domestic Product, inflation, and Bank Indonesia interest rates. The sampling technique used was purposive sampling. The data sample obtained was 96 banks from a population of 114 banks in Indonesia which consistently operated during the period 2008-2018. Hypothesis testing uses panel data regression analysis techniques through the first model of the Hayes method. The results show that the negative effect of liquidity creation on bank capital depends on competition. We found that bank competition at any level (low, medium, high) negatively moderates (weakens) the effect of liquidity creation on bank capital in all banks. This finding is consistent with the view that banks may strengthen their capital in response to bank competition which may decrease the level of bank liquidity creation.

• The Journal of Asian Finance, Economics and Business
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• 제8권8호
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• pp.421-431
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• 2021

This study investigates the empirical linkages between ASEAN countries' institutional quality and financial inclusion using country data from 2008-2019. In this paper, six governance indicators from the World Governance index are used to measure the impact of institutions on financial inclusion. The PCA method's financial inclusion index is constructed from 3 indicators: penetration, access, and usage: penetration, access, and usage with six indices respectively as the number of ATMs per 1000 km², the number of bank branches per 1000 km², the number of ATMs per 100,000 people and the number of bank branches for 100,000 adults, the ratio of credit to private to GDP, and the ratio of deposit to private to GDP. Regression analysis with the Generalized Moments method shows the positive impact of institutions and other control variables like GDP per capita, inflation, bank concentration, and human development index on financial inclusion. Therefore, this study recommends that the government and policymakers in countries pursue the financial inclusion agenda to pay attention to the financial and economic indicators and institutional factors. This is because many savers, borrowers, and investors may not be protected when financial contracts are enforced or breaches occur in an environment where economic, legal, judicial, and political institutions are weak, such as in ASEAN countries.

• 한국농공학회지
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• 제16권4호
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• pp.3600-3610
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• 1974

Experimental work of batch-type dryer was conducted to develop its optimurm operating conditions by analyzing the major factors which affect the drying performance. A laboratory batch-type dryer was constructed and tested for various levels of heated-air rates, and depths of grain deposit. Tong-il rice variety having the initial moisture content of approximaely 23 per cent in wet basis was used for the experiment. The criteria selected for establishing the optimum operating condition were the drying performance rate, the thermal efficiency, and the operational cost of the dryer. The results of the study are summarized as follows: 1. The performance rate of dryer for a specific operating condition was defined as total amount of material dried per hour when the moisture content of grains in the upperlayer reaches to 16 per cent in wet basis. The optimum operating conditions as viewed in the rate of drying performance could be justified by functional realtionship between the depth of grain deposit and air flow rate. In other words, there was a definite depth of grain deposit for a given air-rate which make the dryer performance maximum. The optimum grain depth for the batch-type dryer with 3.3㎡ loading area and with the attached axial fan was about 35cm. 2. The thermal efficiency for the dryer was evaluated by the ratio of the latent heat required to evaporate the grain moisture to the heat input required to raise the ambient air-temperature to 40 degree centigrade. The optimum operating condition as viewed in term of thermal efficiency analyzed was that grater depth and lower air flow-rate may be desirable. This condition is contracted with the optimum condition as viewed by the dryer performance rate. 3. The annual operating cost of batch-type dryer was analyzed for different annual hour of use and for different operation condition. The optimum condition as viewed in terms of operating cost was almost identical to one as viewed in terms of dryer performance rate. Therefore, the most economical use of batch-type dryer for the same annual operating hours can be obtained when the dryer operated in the condition of maximum dryer performance rate. Increasing the annual operating hour may be desirable to cut down the dryer operation cost, since the annual hour of dryer use is much sensitive to the operating cost than any peractical conditions of dryer operation. 4. The most desirable operational condition as justified by combining all the criteria, dryer performance rate, thermal efficiency and annual operating cost, could be concluded to operate the dryer in the condition of maximum performance rate. The condition in general is identical to the lowest operation cost for a given annual operating hour.

• 한국콘크리트학회:학술대회논문집
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• 한국콘크리트학회 2009년도 춘계 학술대회 제21권1호
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• pp.277-278
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• 2009

The building that supply tidal and splash zone was constructed near Seamangeum Gate Bridge. The specimens that will be tested for maintenance of gate bridge were exposed on the tidal and splash zone, totally about 650(Fig. 1). The characteristics of strength, salt penetration profile, field application of surface repair material and section recover material will be acquired by periodical test. The program was developed to obtain optimal maintenance strategy of gate bridge as a marine concrete structure and to deposit experimental data, lab. test result, field test result, on its D/B. On this paper, we hope to introduce two years exposure data as compressive strength, the modulus of elasticity, the modulus of dynamic elasticity, field adoption of repair and recover materials. As briefly speaking the results, possion's ratio, elasticity, strength was general, but the recover materials have some problems. There was crack between concrete and recover material and delamination figures.

• 한국정보디스플레이학회:학술대회논문집
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• 한국정보디스플레이학회 2005년도 International Meeting on Information Displayvol.II
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• pp.1119-1122
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• 2005

A selective deposition of Co thin films for thin film transistor gate electrode has been carried out by the growth with combination of micro-contact printing and metal organic chemical vapor deposition (MOCVD). This results in the elimination of optical lithography process. MOCVD has been employed to selectively deposit Co films on preformed OTS gate pattern by using micro-contact printing (${\mu}CP$). A hydrogenated amorphous silicon TFT with a Co gate selectively formed on SAMs patterned structure exhibited a subthreshold slope of 0.88V/dec, and mobility of $0.35cm^2/V-s$, on/off current ratio of $10^6$, and a threshold voltage of 2.5V, and thus demonstrating the successful application of the novel bottom-up approach into the fabrication of a-Si:H TFTs.

• 대한전기학회:학술대회논문집
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• 대한전기학회 2001년도 하계학술대회 논문집 C
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• pp.1478-1480
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• 2001

ZnO : Al transparent conductive thin films were prepared by facing targets sputtering system with a DC power supply which can deposit a high quality thin films and control deposition condition in all range of $O_2$ gas ratio using ZnO target containing 8 at% of Al. Sputtering was carried out at a substrate temperature of R T with a DC current of 0.6 A and $O_2$ flow rate of 0 $\sim$ 0.9. The characteristics of ZnO : Al thin films was investigated by $\alpha$-step, four point probe, X-ray diffraction and UV/VIS spectrometer.

• 한국세라믹학회지
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• 제26권1호
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• pp.73-80
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• 1989

Preparation and characteristics of electroless Ni-P and Ni-B systems for semiconducting ceramics have been investigated as a function of deposit rate, reducing agent and pH variation. The effect of DMAB as ruducing agent is greater than that of sodium hypophosphite. The nickel electrode prepared from the nickel-phosphorus system with sodium hypophosphite shows low contact resistance of 0.99ohm compared with the resistance of 10chm in the electrode prepared from the nickel-boron system with DMAB. The contact resistance increases with increasing pH valuein the nickel-phosphorus system with sodium hypophosphite. The ratio of Ni to P is about 76.0/24.0 for the contact resistance of 0.99ohm in the above system.

• 한국레이저가공학회지
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• 제2권3호
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• pp.52-61
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• 1999

The laser induced forward transfer(LIFT) technique employs a pulsed laser to transfer parts of a thin metal film from an optically transparent target onto an arbitrary substrate in close proximity to the metal film on the target. In this work, a two-step method, the combination of LIFT process, in which a Au film deposited on the $Al_2$O$_3$ substrate by Nd:YAG laser and subsequent Au electroless metal plating on the by LIFT process generated Au seed, was presented. The influence of laser parameters, wavelength, laser power, film thickness and overlap ratio of pulse tracks, on the shapes of deposit and conductor line after electroless plating is experimentally studied. As a results, the threshold power densities for ablation, deposition and metallization were determined and comparison of threshold value between the wave length 1064nm and the second harmonic generated 532nm. In odor to determine a possible application in the electronic industry, a smallest conduct spot size, line width and isolated line space were generated.

• 대한자기공명의과학회:학술대회논문집
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• 대한자기공명의과학회 2003년도 제8차 학술대회 초록집
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• pp.40-40
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• 2003

The purpose of this study was to characterize focal hepatic lesions through pre and post ferucarbotran-enhanced T2 and T2＊-weighted imaging and to help differentiate benign and malignant lesions 대상 및 방법： Consecutive 34 patients with 52 hepatic lesions underwent MRI before and after intravenous bolus injection of ferucarbotran (Resovist Sobering, Berlin, Germany) for evaluation of focal hepatic lesions. Lesions included hemangiomas (n=17), metastases (n=12), cysts (n=10), hepatocellular carcinomas (n=8), dysplastic nodules (n=4), and focal fat deposit (n=1). T2-weighted fast spin echo (TR/TE： 4060/138) and gradient echo T2＊-weighted images(TR/TE： 140/5.3, FA = 90) were obtained according to the institutional routine imaging protocol. Lesional signal-intensity and lesion-to-liver contrast changes were measured by contrast-to-noise ratio (CNR) from region of interest.

• 한국표면공학회지
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• 제28권6호
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• pp.352-360
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• 1995

The effect of electrolysis conditions on the composition, the magnetic properties and the preferred orientation of Ni-Fe-Co alloy deposits was investigated using the sulfate-chloride bath paddle agitated. Cathode current efficiency increases with the current density, showing the different tendency of the variation from that of the Ni-Fe electrodeposits. The Co content of the deposits decreases with increasing current density, while the content of Ni and Fe is shown to be minimum or maximum at 3A/$dm^2$ respectively. The Ni/Fe ratio of the alloy deposits is lower than that of Ni-Fe deposits. The coercive force($H_c$) of the deposits increases with the Co content in deposit, showing the relatively low value in the range of 1.8~5.0Wt.% Co. The anisotropy field ($H_k$) of the deposits is higher than that of Ni-Fe alloy deposits, The preferred orientation of the deposits is generally (200), but the orientation factor(R) changes with both the increase of current density and the magnetic field applied during deposition.