• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.21-27
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• 2021

The financial sector is one of the most important building blocks of the economy. When this sector efficiently implemented a well-crafted program on banking and financial system to translate financial activities to income-generating activity, economic growth will be realized. Hence, this study analyzed the effect of financial intermediation on economic growth and the existence of cointegrating relationship using time-series data from 1986 to 2015. The influence of financial intermediation in terms of bank credit to bank deposit ratio, private credit, and stock market capitalization and time trend to economic growth was estimated using ordinary least squares (OLS) multiple regression. The results showed that all the financial intermediation indicators and time trend exert significant effect on Gross Domestic Product (GDP) per capita. The positive sign of the time trend indicates that there is an upward trend in GDP per capita averaging approximately 0.06 percent annually. Furthermore, the cointegration test using the Johansen procedure revealed that there is a presence of long-term equilibrium relationship between financial intermediation and time trend and economic growth, and rules out spurious regression results. This study established the idea that financial intermediation in the Philippines has a significant and vital role in stimulating growth in the economy.

• 한국병원경영학회지
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• 제2권1호
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• pp.80-95
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• 1997

It has been an issue in the field of hospital management to develope a systematic and comprehensive analysis frame for financial position. This study developed a return on equity(ROE) model that includes the components of financial profitability, activity, stability and growth with reference to that developed in the USA The application of the model was attempted to assess its feasibility using data collected from a general hospital that has long been in the red. The hospital's financial ratio were compared to those of another private hospital in the black and also to the average ratios values of the similar bed-sized hospitals. Factors that cause the financial deficit and the strategies that can help to reorient the management's financial decision-making together with requisite conditions for effective use of the model, were identified. This study concludes that the ROE model can be usefull when effective financial strategies of the private hospitals are to be formulated.

• 경영과정보연구
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• 제6권
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• pp.163-186
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• 2001

A venture business plays important roles in the economy of a developing nation. It makes highly value-added product, increases employment and improves the industry structure. The objective of this study is to derive the financial and non-financial characteristics from venture businesses, which determine a highly successful business group or a less successful business group. The firm characteristics are composed of 21 financial(liquidity, leverage, cash flow, activity, productivity, and etc) and 34 non-financial characteristics(manager, technology, marketability and credibility variables), which have been considered as the key characteristics for venture business by the existing literature. All financial ratios and non-financial characters play a role of making discriminations between a highly successful and a less successful group. Because there are not generally accepted definitions, classifying a highly successful and a less successful venture business is a very difficult problem. Operational definitions have many problems but we have no choice in current stage.

• 유통과학연구
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• 제21권9호
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• pp.55-66
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• 2023

Purpose: Specialized marketing strategies are needed by limited resources, such as Entrepreneurial Marketing (EM), a marketing activity based on specific conditions characterizing village-owned enterprises (VOEs). Therefore, this research aimed to examine the effect of EM on the financial and non-financial performance of VOEs in Indonesia. Research design, data and methodology: Data were collected by distributing questions on a 5-point Likert scale to 153 VOEs directors in Rokan Hulu District, Indonesia. The collected data were analyzed using the partial least squares structural equation model with SmartPLS 3.0. Results: The results showed that EM positively and significantly affected the financial and non-financial performance of VOEs, as well as on operational performance. Conclusions: EM played an important role in the improvement of many aspects of the performance of VOEs. The Indonesian government also need to consider EM various characteristics when recruiting directors. It is important to note that this research is the first to examine the impact of EM on VOEs.

• 한국노년학
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• 제40권1호
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• pp.197-216
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• 2020

본 연구는 노인들의 여가활동 제약요인들을 살피고, 특정 제약요인을 가진 노인들의 여가만족도를 높이기 위해서 실천적 측면에서 노인의 특성과 욕구에 기반 한 여가활동을 제안하고 정책적 지원 방안을 마련 할 목적으로 수행되었다. 노후보장패널 6차 부가조사자료를 활용하여 65세 이상 노인들 가운데 경제적 부담과 건강문제로 여가활동에 제약을 경험한다고 응답한 3167케이스를 분석하였다. 여가활동의 제약요인 집단별 여가만족도의 영향요인을 분석하기 위하여 인구사회적 특성(나이, 성별, 교육, 혼인상태, 독거여부, 지역, 적정생활비수준, 건강상태), 여가관련 변인(여가시간, 여가동기), 여가활동 변인(선호 활동, 비선호 활동)을 단계적으로 위계선형 회귀 모형에 입력하였다. 연구 결과는 다음과 같다. 첫째, 노인 여가활동의 주요한 제약원인으로는 경제적 부담과 건강 문제가 압도적으로 높았다. 둘째, 세 집단(재정취약집단, 건강취약집단, 재정+건강취약집단) 간의 여가관련 변인에서 차이가 나타났다. 여가활동 만족 수준은 재정취약집단이 가장 높게, 다음으로 건강취약집단, 재정+건강취약집단의 순서로 나타났다. 여가시간은 재정취약집단에서 가장 짧았으며, 여가동기에서는 재정취약집단에서 가족 및 주변 관계 때문이라는 응답은 높았으며, 건강유지라는 응답은 상대적으로 낮게 나타났다. 건강취약집단에서 휴식활동을, 재정취약집단에서는 오락취미 활동을, 그리고 재정+건강취약집단에서 사회활동을 선호 한다는 응답이 상대적으로 높게 나타났다. 셋째, 재정취약집단의 경우, 애완동물 돌보기 및 정원손질 같은 활동들을 선호 한다고 응답할수록 여가만족도가 높게 나타난 반면, 국내여행을 선호 한다고 대답할수록 여가만족도가 낮게 나타났다. 건강취약집단의 경우, TV 시청 및 라디오 듣기 등의 휴식활동을 선호 한다고 응답할수록 그리고, 비선호 한다고 응답할수록 모두의 경우에서 여가만족도가 낮게 나타났다. 이밖에도 종교활동 혹은 친목단체 활동과 같은 사회참여 활동을 선호 한다고 응답할수록 여가만족도가 높게 나타났다. 재정+건강취약집단의 경우, 집근처 산책 혹은 TV 시청, 국내여행 등의 활동을 여가활동으로 선호 한다고 응답한 노인일수록 여가만족도가 낮게 나타난 반면, 바둑, 장기, 체스 등의 오락 활동과 등산과 같은 취미활동, 그리고 친목단체 활동 등을 선호 한다고 응답한 노인일수록 여가만족도가 높게 나타났다. 본 연구는 노인 여가활동에 대한 전국단위의 데이터를 실증적으로 분석한 결과를 바탕으로 맞춤형 여가활동을 제안하고 정책적 지원 방안에 대한 논의를 포함하고 있다.

• 한국정보통신학회:학술대회논문집
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• 한국정보통신학회 2022년도 춘계학술대회
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• pp.232-234
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• 2022

빅데이터는 고객 관계 관리, 관계 마케팅, 금융 업무 개선, 신용정보 및 위험 관리 분야에서 크게 활용되고 있다. 더욱이 최근에 COVID-19 바이러스로 인하여 비대면 금융거래가 보다 활발해지면서 고객과의 관계 측면에서 금융 빅데이터의 활용이 더 요구되고 있다. 고객 관계 측면에서 금융 빅데이터는 기술적인 접근보다 감성적적인 접근이 필요한 시기가 도래하였다. 관계 마케팅 측면에서도 인지적, 이성적, 합리적인 면보다는 감성적인 면을 중요시 할 필요성이 대두되었다. 하지만, 기존의 금융 데이터는 텍스트 형태의 고객 거래 데이터, 기업재무정보, 설문지등을 통하여 수집되고 활용되었다. 본 연구는 SNS를 통하여 고객의 문화 활동, 여가 활동 기반의 고객의 감성적인 이미지 데이터 즉, 비정형 데이터를 획득하여 고객의 활동 이미지를 인공지능 CNN 알고리즘으로 분석한다. 활동 분석은 다시 주석을 달은 인공지능에 적용하고, 주석에 나타난 행동 모델을 분석하는 인공지능 빅데이터 모델을 설계한다.

• 대한안전경영과학회지
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• 제16권1호
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• pp.239-250
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• 2014

The purpose of this research is to implement and develop the Economic Cost Driver Size(ECDS) extended model to determine the optimal cash driver size with measurement complexity cost and allocation fail cost. ECDS model can be used to seek both measurement accuracy and time efficiency of the Activity-Base Costing (ABC). The study also develops Activity Priority Number (APN) to evaluate the importance of nonvalue-added activities improvement and to determine the representative cost driver of value-added activities when applying ECDS model. APN consists of Severity Priority Number (SPN), Undetectablitiy Priority Number (UPN) and Occurrence Priority Number (OPN). APN can be obtained from lower-stream activity, current activity, upper-stream activity in terms of hierarchical dependency of SIPOC (Supplier, Input, Process, Output, and Customer). In order to seek both efficiency of invested capital and reduction of overhead cost, the paper proposes the integrated ABC and Economic Value Added (EVA) model using redesigned ABC-based statement of comprehensive income and EVA-based statement of financial position. For a better understanding of the proposed ABC-EVA integrated model, numerical examples are demonstrated in this paper. Cost drivers of ABC and capital drivers of EVA in the proposed model can be used to reduce activity overhead cost from ABC-based statement of comprehensive income and to lessen activity capital charge from EVA-based statement of financial position.

• 한국데이타베이스학회:학술대회논문집
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• 한국데이타베이스학회 2010년도 춘계국제학술대회
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• pp.127-139
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• 2010

Until now, systems in financial companies have been constructed and operated based on great mainframe proved being stability. But it has had many disadvantages since they only implement maintenance adding and changing function. So they need construction of new systems(development of critical application, integration of various service channel, management of customer data). In spite of great construction costs and high risk, it is necessary that they construct e-financial system. Nowadays financial institutions must actively offer services to customers. In other words, the key of service is being moved from providers to customers. In oder to develop and sell new products in a timely manner, integrated management about appropriate and valid customer data is needed. And new system that covers expanded area of work is needed since the original parts of the area is being broken gradually. In this paper, we search construction processes of e-financial system of Nonghyup to respond to new financial environment flexibly and actively, concrete contents about innovation activities of e-financial system and the cases of service utilization. Also, we suggest the development direction of e- financial system for Nonghyup following day.

• 유통과학연구
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• 제21권3호
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• pp.71-82
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• 2023

Purpose: This study examines the distribution of income diversification in improving the financial sustainability of private universities amidst difficulties in operational funding during the Covid-19 pandemic with IT Capability moderation. Research design, data and methodology: Closed survey aimed at 468 financial sector leaders from 189 private universities in ten provinces in Indonesia. Results: All income diversification activity variables have a significant positive effect on financial sustainability. In the analysis of liquidity indicators, there are two activities that have a significant positive effect, namely goods and services (β=0.337) and profitable financial management (β=0.124). Furthermore, the results of the solvency indicator test obtained significant positive results in Goods and Services Activities (β=0.337), Commercial Intellectuals (β=0.161), Commercial Contracts (β=0.103), and Profitable Financial Management (β=0.147). The results of the test of higher education growth indicators on three activities have a significant positive effect, namely Goods and Services (β = 0.290), Endowments (β = 0.158), and Commercial Contracts (β = 0.134). The results of the moderation test conclude that IT Capability strengthens the effect of income diversification on financial sustainability. Conclusion: The results of the study as a recommendation for private universities in developing income diversification with information system technology-based management.

• 대한안전경영과학회지
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• 제17권1호
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• pp.337-348
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• 2015

This research introduces the Financial Effect Measurement (FEM) models which measures both the improvement and the innovation performance of Quality Control Circle (QCC) and activities of Six Sigma. Concepts and principle of Comprehensive Income Statement (CIS), Balanced Scorecard (BSC), Time-Driven Activity Based-Costing (TDABC) and Total Productive Maintenance (TPM) are applied in order to develop the 4 FEM models presented in this paper. First of all, FEM using CIS depicts the improvement effects of production capacity and yield using relationships between demand and supply, and line balancing efficiency between bottleneck process and non-bottleneck processes. Secondly, cause-and-effect relation of Key Performance Indicator (KPI) is used to present Critical Success Factor (CSF) effects for QC Story 15 steps of QCC and DMAIC (Define, Measure, Analyze, Improve, and Control) of Six Sigma. The next is FEM model for service management innovation activities that uses TDABC to calculate the time-driven effect for improving the indirect activities according to the cost object. Lastly, FEM model for TPM activities presents the interpretation of improvement effect model of TPM Capital Expenditure (CAPEX) and Operating Expenditure (OPEX) maintenance using profit, cash and Economic Added Value (EVA) as metrics of enterprise values. To better understand and further investigate FEMs, recent cases on National Quality Circle Contest are used to evaluate new financial effect measurement developed in this paper.