• The Journal of Asian Finance, Economics and Business
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• 제7권3호
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• pp.9-15
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• 2020

This paper investigates how economic freedom affected firm investment in Vietnam. In the globalization decade, economic freedom has been an important policy to support economic development in Vietnam. Improvements in economic freedom, such as capital freedom and domestic credit freedom, allow firms to access external finance more easily, so that the firm's investment depends less on internal cash flow. In a developing country, on the drawbacks, many small and medium firms likely have more challenges if the government would not give any subsidies. The higher level of freedom may exacerbate the financing constraints of less competitive firms. We analyze unique firm-level data from 2006 to 2016, which includes listed firms on two major stock exchanges and unlisted firms in the Unlisted Public Company Market. The article also considers how economic freedom affects small firms and large firms differently. Our results show that capital freedom and domestic credit freedom played an important role in investments for Vietnamese firms. However, we cannot find evidence that overall economic freedom relaxed the financial constraints on firms. Additionally, we suggest that small firms likely gain more advantage in access to external finance than do larger firms when the government removes restrictions from capital movement and the domestic credit market.

• The Journal of Asian Finance, Economics and Business
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• 제6권4호
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• pp.281-286
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• 2019

The study aims to analyze the adaptation strategies and resilience of tobacco farmers to face unfavorable trading system. The research method refers to a qualitative approach with phenomenological models and case studies. The findings revealed tobacco farmers in Jember developed various adaptation strategies and resilience through farmer group organizations, partnerships, self-capacity building and access to financial institutions based on economic, social, cultural, and experience values from various sources and interactions among fellow tobacco farmers. The tobacco trading system, which is left to the market mechanism, results in low bargaining power of farmers, this encourages tobacco farmers to develop various adaptation and survival strategies, namely through collective activities of farmer groups, partnerships and self-development and access to financial institutions. Dealing with the unfavorable tobacco trading system, tobacco farmers do not switch to other commodity farming but adapt and make Jember a center for tobacco production in East Java and Indonesia. From this findings, it suggests to the government as the regulator does not only provide subsidies for tobacco farmers, but also must provide various technical assistance to increase the ability of tobacco farmers. More importantly, regulations must be made benefit tobacco farmers other than corporations so that equality can be enjoyed by tobacco economy players.

• The Journal of Asian Finance, Economics and Business
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• 제9권2호
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• pp.409-418
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• 2022

Over the past decades, Bangladesh has fought poverty via labor-intensive industry and inclusive financing. The techniques assist underprivileged women in achieving self-sufficiency and encourage them to pursue independent endeavors. However, the majority of female entrepreneurs focused on four key company types: parlor, boutique, clothes, and fashion, all of which have limited access to financing. It was feared that their shortage of finance was hindering the growth of their company. The study's goal is to assess the effects of financial availability and knowledge on women's entrepreneurship development in Bangladesh via the lens of transformational leadership practices. A sample of 580 SMEs was considered for data collection with a structured questionnaire: a five-point Likert scale for getting responses from SMEs. The model coefficients with structural equation modeling revealed that financial accessibility plays a positive and statistically significant role in women's entrepreneurship development. Moreover, knowledge level established positive interlinkage with women's entrepreneurship development. Transformational leadership, which plays a mediating role in leadership practices, has been linked to the development of women's entrepreneurship indirectly and positively. As a result, support for knowledge creation and external financing must evolve and be made available to ensure women's sustainable development through entrepreneurial activities.

• 정보관리학회지
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• 제37권3호
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• pp.301-326
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• 2020

본 논문은 국내 인문사회과학 학술지의 오픈액세스 전환 방안을 모색하기 위하여 최근 해외에서 전개되고 있는 오픈액세스 학술지 전환 사례를 분석하였다. 연구자가 주도한 Ling OA와 UP, 도서관이 주도한 OLH와 KU, 출판사가 주도한 S2O모델, 기금기관과 도서관이 협력하는 L+F모델 사례를 분석하고 국가지원 사업 사례로서 노르웨이 연구위원회와 교육연구부, 캐나다 인문사회과학연구위원회, 오스트리아 과학재단, 스위스 인문사회과학 아카데미의 프로그램을 분석하였다. 분석결과를 기반으로 국내 인문사회과학 학술지의 오픈액세스 전환을 위하여 다음을 제안하였다. 1) 오픈액세스 출판전환 지원이 국가적인 차원에서 진행되어야 하며, 2) 국가, 대학, 도서관, 학회 등 학술커뮤니케이션 모든 주체가 참여하되 오픈액세스 출판비용 부담의 핵심주체는 연구기금지원기관과 도서관이어야 하며, 3) 초기 단계에서는 국가차원의 비용지원이 이루어져야하며, 4) 오픈액세스 학술지 구독을 위한 대학도서관 협의체 및 국가정보서비스 기관들이 참여하는 컨소시엄이 구성되어야 하며, 5) 비영리 출판유통 플랫폼이 개발 및 보급되어야 한다.

• 디지털융복합연구
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• 제13권5호
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• pp.31-39
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• 2015

본 연구는 한국소비자원의 2013 한국의 소비생활지표의 원자료를 활용하여 기술적 정보를 제공하는 금융영역에서의 소비자 문제 경험을 확인하고, 이에 영향을 미치는 요소들을 탐색하였다. 금융 영역은 기술적 정보 영역에 해당하여 소비자 문제 경험 분석 시 지식 등 객관적인 역량 중심의 접근이 아니라 기술적 정보 영역의 특성에 근거해 융복합적 관점으로 영향요인을 탐색하는 것이 중요하다. 기술적 정보로서 금융영역에서는 정확한 정보의 제공 및 비교정보에 대한 요구가 높은 것으로 나타났다. 또한 문제경험에의 영향 변수를 탐색한 결과 소비자 개개인의 주관적인 금융 역량이 문제경험을 줄이는 것에 의미 있는 변수로 확인되었으며, 50대 이상의 고령 소비자들은 금융영역에서 더 많은 문제를 경험하고 있는 것으로 확인하였다. 이를 통해 기술적 정보 영역인 금융영역의 경우 금융정보의 효율적인 전달 방안에 관한 모색, 고령자에 대한 판매접점에서의 추가적인 노력 방안이 요구되며, 그 동안 객관적 금융역량을 강화하기 위한 방안에 초점이 맞추어져 있었으나, 향후 주관적 금융역량 강화를 위한 방안에 대한 연구가 요구된다.

• 문화기술의 융합
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• 제10권3호
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• pp.467-474
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• 2024

본 연구는 미국 온라인 대출 플랫폼의 고객 데이터를 분석하여 중저신용자가 금융시장 내에서 겪는 차별적 대우를 실증적으로 규명한다. 이 연구는 오픈소스 캐글(Kaggle) 플랫폼 내 랜딩 클럽 금융사의 2007~2020년 기간 약 293만 건의 금융 데이터를 사용하여, 특히 신용점수가 낮은 씬파일러 대출자들이 더 높은 이자율로 대출을 받고 있음을 밝혀냈다. 이러한 차별적 대우는 금융 포용성을 저하시키며 사회적 불평등을 심화시킬 가능성을 시사한다. 본 연구를 통해 금융시장에서의 불평등 문제를 실질적으로 드러낸 점이 중요한 의의로 주목되며, 분석결과를 바탕으로 모든 고객에게 합리적인 금융 접근성을 보장할 수 있을 것이다. 아울러 지속가능한 금융 포용성을 강화할 수 있는 구체적인 방안과 함께 금융기관의 사회적 책임을 강화하는 방향으로의 전환을 제안하였다.

• 한국정보통신학회논문지
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• 제19권4호
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• pp.855-863
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• 2015

본 논문에서는 전자금융 신종 사기 수법에 의한 사용자의 비밀정보 유출을 방지하기 위하여 자신이 가진 보안카드와 스마트 폰을 이용하여 금융거래 사이트를 검증하는 새로운 기법을 제안한다. 이를 위해 보안카드를 새롭게 디자인하여 공정한 사이트에 접속하는 경우에만 보안카드와 스마트폰을 통해 사이트의 인증이 가능하도록 하였다. 또한 기존의 OTP를 통한 보안 인증에서는 방어할 수 없었던 중간자 공격을 사용자의 거래 내역에 따른 보안카드 값 생성을 통해 효과적으로 방어하는 방안도 제안한다. 본 논문에서 제시하는 기법은 보안카드와 스마트폰을 통한 새로운 사이트 인증 기법으로써 사용자가 직접 피싱, 파밍 사이트를 판단할 수 있을 뿐 아니라 중간자 공격에 대한 대처방안으로도 매우 효과적인 기법이다.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.81-91
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• 2021

This paper investigates the long run hedging ability of precious metals against the risks associated with adverse conditions of economic and financial variables for Pakistan, the USA, China, and India. Monthly data of gold, silver, platinum, stock returns, exchange rate, industrial production, and inflation was collected for the selected economies. Saikkonen and Lutkepohl (2002) unit root test was employed to access the unit root properties of the data series and identify the break dates. Furthermore, this study used the Johansen cointegration test with and without structural breaks to identify the long-run relationship between metals prices and different financial and economic variables. The findings suggest that the time series under study have unit root problem at level with and without structural breaks. Without considering structural breaks, the Johansen trace test indicates that in Pakistan and China, gold, silver, and platinum hold a cointegrating relationship with macroeconomic and financial variables. For the US, gold indicates cointegration which supports the hedging ability of gold against inflation, stock, and industrial production in the long run. The results of the cointegration test after incorporating the structural breaks provide even stronger evidence of the long-run relationship of precious metals and consumer prices, exchange rate, and stock prices.

• 무역학회지
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• 제46권5호
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• pp.131-152
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• 2021

Political connections may facilitate firms' exporting activities, particularly in developing countries, because politically connected firms may be more likely to receive informational and financial support, allowing them to overcome barriers to export. We test this hypothesis using a unique, firm-level dataset from traditional apparel and textile clusters in the Red River Delta Region in Northern Vietnam. We find that political connection of certain types increases the chance of receiving valuable information or financial support from the government. Moreover, those firms that have access to government information have higher chances of being direct exporters. However, firms that receive financial support from the government are not necessarily engaged in exporting activities. Although politically connected firms are more willing to export, they do not necessarily engage in more exporting activities than firms without such connections. These results suggest that the misallocation of information and financial resources to politically connected but insufficiently productive firms leads to a failure to promote exporting activities. In contrast, political connection increases the chance of importing materials and parts, possibly because high productivity is necessary for exporting, but not for importing.

• Journal of Information Science Theory and Practice
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• 제12권3호
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• pp.75-88
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• 2024

This study aims to assess the maturity of Korean open access (OA) journals using the OA infrastructure provided by the Korea Institute of Science and Technology Information, and develop necessary strategies for future improvement. The assessment model consists of three dimensions, 12 items, and 24 sub-items. The importance of the three dimensions (A: OA policy establishment and disclosure, B: OA sustainability, and C: Journal openness quality) was differentiated by the Analytic Hierarchy Process, and the maturity stages were divided into five levels (Entry, Growth1, Growth2, Maturity1, and Maturity2). The assessment was carried out twice for 100 academic journals. The results indicated that the proportion of journals at or above the Growth1 level increased by 11% to reach 83% during the second assessment phase, which could be owing to the learnings of the first assessment. Following expert consultations on the assessment results, three support measures were identified to activate OA. The first includes OA promotion and education activities, which involve creating standard regulations and guidelines, and advancing educational activities for societies that are either preparing for or currently implementing OA. The second involves providing support for technical aspects, such as identifiers, XMLization, and copyright management, through peer review and OA publishing platforms. The third includes collaborative activities to enhance journal evaluations and the recognition criteria for researchers' achievements in OA journals, and fostering cooperation with national and research and development institutions for financial support.