• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.5
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• pp.77-90
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• 2023

This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

• Journal of the Korean Society of Clothing and Textiles
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• v.28 no.12 s.138
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• pp.1596-1604
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• 2004

Quality Function Deployment(QFD) is a product development tool which ensures that the voice of the customer needs is heard and translated into products. To develop a sensible brassiere for middle-aged women QFD was adopted. In this study the applicability and usefulness of QFD was examined through the engineering design process for a sensible brassiere for middle-aged women. The customer needs for the wear comfort of brassiere was made by one-on-one survey of 100 women who aged 30-40. The customer competitive assessment was generated by wearing tests of 10 commercial brassieres. The subjective assessment was conducted in the enviornmental chamber that was controlled at $28{\pm}1^{\circ}C,\;65{\pm}3\%RH.$ As a results, we developed twenty-one customer needs and corresponding HOWs for the wear comfort of brassiere. The Customer Competitive Assessment was generated by wearing tests of commercial brassiere. The subjective measurement scale and dimension for the evaluation of sensible brassiere were extracted from factor analysis. Four factors were fitting, aesthetic property, pressure sensation, displacement of brassiere due to movement. The most critical design parameter was wire-related property and second one was stretchability of main material of brassiere. Also, wearing comfort of brassiere was affected by the interaction of initial stretchability of wing and support of strap. Engineering design process, QFD was applicable to the development of technical and aesthetic brassieres.

• 대한공업교육학회지
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• v.36 no.1
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• pp.75-94
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• 2011

The purpose of this study is to suggest the basic data in order to examine and perform the plan for activating the team teaching between industry-educational adjunct teachers and vocational teachers in technical high school. The research results are as follows. First, It is found that both teacher groups acknowledge the necessity of the team teaching, but vocational teachers are less likely to recognize the necessity than industry-educational adjunct teachers. Second, In the preparation of team teaching, both two groups of the teachers believe that the preliminary interchange and training between them are to be highly supportive for the activities expected to help teachers. Therefore, it is necessary to have opportunity of communication and narrow the difference of opinions between them by promoting the deep interest about applicable field and sharing the mutual idea between the teachers in the preparation of team teaching. Third, And the two groups recognize that the cooperation and joint establishment of design of team teaching and the individual process or joint progress of class activity are desirable for the proper design of team teaching. Therefore, it is necessary to establish the class environment for the interaction between teachers and students through not only the reciprocal activities between teachers but the interest class by systematically preparing the class design and role division clearly. Fourth, In the practice of team teaching, the two groups believe that the teaching activities can be usually divided and progressed, but it is desirable to work together in the related contents. The vocational teachers recognize that it is necessary to actively interact with students by connecting with the case of industry field. On the other side, industry-educational adjunct teachers think that the learning contents should be selected and organized according to the interests of students by associating with the case of industry field. Fifth, And two groups of teachers recognize that it is desirable to evaluate the grade by reflecting on the assessment by vocational teachers(50%), industry-educational adjunct teachers(50%).

• Journal of the Korean Society for Marine Environment & Energy
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• v.12 no.3
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• pp.217-226
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• 2009

Marine geological storage of $CO_2$ is regarded as one of the most promising options to response climate change. Marine geological storage of $CO_2$ is to capture $CO_2$ from major point sources, to transport to the storage sites and to store $CO_2$ into the marine geological structure such as deep sea saline aquifer. Up to now, process design for this $CO_2$ marine geological storage has been carried out mainly on pure $CO_2$. Unfortunately the captured $CO_2$ mixture contains many impurities such as $N_2$, $O_2$, Ar, $H_2O$, $SO_x$, $H_2S$. A small amount of impurities can change the thermodynamic properties and then significantly affect the compression, purification and transport processes. In order to design a reliable $CO_2$ marine geological storage system, it is necessary to perform numerical process simulation using thermodynamic equation of state. The purpose of the present paper is to compare and analyse the relevant equations of state including PR, PRBM, RKS and SRK equation of state for $CO_2-N_2$ mixture. To evaluate the predictive accuracy of the equation of the state, we compared numerical calculation results with reference experimental data. In addition, optimum binary parameter to consider the interaction of $CO_2$ and $N_2$ molecules was suggested based on the mean absolute percent error. In conclusion, we suggest the most reliable equation of state and relevant binary parameter in designing the $CO_2-N_2$ mixture marine geological storage process.

• Journal of The Korean Society of Grassland and Forage Science
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• v.32 no.3
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• pp.209-220
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• 2012

Most oats are used for livestock feed in the world. This experiment was conducted at Iksan city of Korea from 2007 to 2008. The objective of this study was to select eminent oat (Avena sativa L.) cultivars with high-yielding and a quality for forage adaptable in each planting seasons. Experimental design was split-plot design with three replications. A split plot design was used with seeding date on the main plots and other treatments fully randomized in sub-plots. A factorial arrangement of treatments included three different ecotypes cultivars, winter type (Sanmhan, Donghan and Chohan), summer type (High-speed, Darkhorse, and Swan), and naked oats near to spring type (Daeyang, Choyang, and Sunyang) and twelve seeding dates (twice a month from March to November). Plant height, dry matter yield, and percent TDN was significantly affected by seeding dates, cultivars, and the interaction of cultivars ${\times}$ seeding dates. There was a decrease in plant height, dry matter yield, and percent total digestible nutrients (TDN) as seeding was delayed from early March to late June and it also from early September to early November. The winter type oat cultivars such as Samhan, Donghan, and Chohan adapted to fall seeding and early summer harvest, while summer type cultivars such as High-speed, Darkhorse, and Swan showed high productivity either to summer seeding and mid-fall harvest or to spring seeding and early summer harvest. Naked type cultivars, Choyang and Daeyang, showed high forage yield by spring and summer seeding except for fall seeding because of cold damage. Summer type oat cultivars such as High-speed, Darkhorse, and Swan can supplement high forage production in spring. TDN yield showd the most at seeding in October 10 (780 kg $10a^{-1}$), followed at seeding in March 23 (627 kg $10a^{-1}$).

• Journal of Practical Agriculture & Fisheries Research
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• v.22 no.2
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• pp.89-97
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• 2020

This experiment was conducted at Sancheong from 2013 to 2015. The objective of this study was to establish the seeding rate, and to clarify the optimum nitrogen fertilizer level for rye seed production in the southern area of Korea. We employed Korean rye cultivar 'Gogu' in this test. The experimental design was a split-plot design with three replications. A split-plot design was used with three seeding levels (3, 5, and 7 kg 10 a^-1) on the main plots and other treatments fully randomized in sub-plots. A factorial arrangement of treatments included three different nitrogen fertilizer levels (0, 3, 6, and 9 kg 10 a^-1). The grain yields of rye affected by increasing the seeding rate. The number of spike per m² and immature grain weight was increasing, while the fertility rate and the number of grain per spike were decreased as seeding rate were increased from 3 kg 10 a^-1 to 7 kg 10 a^-1. The percentage of a productive tiller, 1-liter weight, and 1000-grain weight also decrease by increasing seeding but the grain yields of rye had less effect. There was an increase in the number of spike per m², the number of grain per spike, and grain yields as nitrogen fertilizer level was increased from 0 kg 10 a^-1 to 9 kg 10 a^-1 and followed a delaying heading and an increasing lodging of the plant. But grain yields did not affected by the interaction of seeding rate × nitrogen fertilizer levels. The best seeding rate and nitrogen fertilizer level for rye seed production were 5 kg and 3 kg 10 a^-1, respectively, considering seed and fertilizer reduction and the prevention of pollution by excess fertilization.

• Geotechnical Engineering
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• v.12 no.3
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• pp.127-148
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• 1996

Recently, foundations of heavy structures such as bridge abutments have been built on slopes or near the crest of slopes at an increasing rate. Because the bearing capacity of such foundations is considerably lower than the bearing capacity of the same soil on a level ground, deep footings such as piles and caissons are often used. However, the costs of such methods are generally very high. One of the new techniques to overcome the problem is to place reinforcing members such as geosynthetics or metal strips horizontally at some depths beneath the footings. Rational methods of analysis to predict the bearing capacity of footings in reinforced slopes are therefore needed. This paper proposes an analytical method for estimating the increase in bearing capacity gained from the included horizontal strips or ties of tensile reinforcing in the foundation soil below the footing built near the crest of a slope. A failure mechanism, including the concept of'wide slab effect', adopted in the present study for analyzing the bearing capacity of foundations in reinforced slopes, is established through the observed model test behaviors described by Binquet SE Lee and Huang et al, and the Boussinesq solutions. The analytical results are then compared with the experimental data described in the paper by Huang et al. Also in order to properly evaluate the soil reinforcement interaction, typical pullout test values of the apparent friction coefficient, which usually vary with depths owing to both the increase of the shearing volume and the increase in local stress caused by soil dilatancy, are analyzed and related functionally. Furthermore, analytical parametric studies are carried out to investigate the effect and significance of various pertinent parameters associated with design of reinforced slope foundations. Keywords : Bearing capacity, Reinforced slope, Slab effect, Friction coefficient.

• Journal of Internet Computing and Services
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• v.6 no.6
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• pp.85-97
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• 2005

In this paper, we construct the traffic information database by using the acquired data from the traffic information devices installed in road network, and, by referring to this database, propose the intersection simulation system which can dynamically manage the real-time traffic flow for each section of road from the intersections, This system consists of hierarchical 3 parts, The lower layer is the physical layer where the traffic information is acquired on an actual road. The traffic flow control framework exists in the middle layer. The framework supports the grouping of intersection, the collection of real-time traffic flow information, and the remote monitoring and control by using the traffic information of the lower layer, This layer is designed by extending the distributed object group framework we developed. In upper layer, the intersection simulator applications controlling the traffic flow by grouping the intersections exist. The components of the intersection application in our system are composed of the implementing objects based on the Time-triggered Message-triggered Object(TMO) scheme, The intersection simulation system considers the each intersection on road as an application group, and can apply the control models of dynamic traffic flow by the road's status. At this time, we use the real-time traffic information collected through inter-communication among intersections. For constructing this system, we defined the system architecture and the interaction of components on the traffic flow control framework which supports the TMO scheme and the TMO Support Middleware(TMOSM), and designed the application simulator and the user interface to the monitoring and the controlling of traffic flow.

• Safety and Health at Work
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• v.4 no.1
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• pp.52-62
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• 2013

Objectives: To investigate the association between psychological distress and obesity among law enforcement officers (LEOs) in the United States. Methods: Self-reported data on psychological distress based on six key questions were obtained from LEOs who participated in the National Health Interview Survey (2004-2010). We used Prochaska's cut-point of a Kessler 6 score ${\geq}5$ for moderate/high mental distress in our analysis. Mean levels of body mass index (BMI) were compared across three levels of psychological distress. Results: The average age of LEOs (n = 929) was 39.3 years; 25% were female. Overall, 8.1% of LEOs had moderate or high psychological distress; 37.5% were obese (BMI ${\geq}30$). Mean BMI increased with increasing psychological distress (no distress, BMI = $27.2kg/m^2$; mild distress, $27.6kg/m^2$; and moderate/high distress, $33.1kg/m^2$; p = 0.016) after adjustment for age, race, income, and education level among female officers only. Physical activity modified the association between psychological distress and BMI but only among male LEOs (interaction p = 0.002). Among male LEOs reporting low physical activity, psychological distress was positively associated with BMI ($30.3kg/m^2$ for no distress, 30.7 for mild distress, 31.8 for moderate/high distress; p = 0.179) after adjustment, but not significantly. This association was not significant among males reporting high physical activity. Conclusion: Mean BMI significantly increased as psychological distress increased among female LEOs. A longitudinal study design may reveal the directionality of this association as well as the potential role that physical activity might play in this association.

• Journal of the Korea Computer Graphics Society
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• v.22 no.3
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• pp.43-52
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• 2016

This paper is to study techniques of a virtual reality to maximize the depth of the users' immersion based on differentiated interactive contents using korean traditional fairy tale. In order to increase more interests in korean traditional fairy tale, we produce a interactive 3D contents and propose a new approach to a system designing applying a virtual realities such as HMD, Leap motion. First, using Korean traditional fairy tale, we generate interactive contents consisting of scenes intensifying user's tensions while interaction of game process. Based on the interactive contents generated, we design scene generation using Oculus HMD, the gaze based input processes and a hand interface using Leap motion, in order to provide a multi dimensional scene transmission and an input process method to intensify the sense of the reality. We will verify through diverse tests whether the proposed virtual reality contents based on a technique of an input process will actually intensify the immersion in the virtual reality or not while minimizing the motion sickness of the users.