• 경영과학
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• 제18권1호
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• pp.119-133
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• 2001

It is important to find the equilibrium level of real interest rate for it affects real and financial sector of economy. However, it is difficult to find the equilibrium level because like the most macroeconomic model the real interest model has parameter instability problem caused by structural change and it is supported by various theories and definitions. Hence, in order to cover these problems structural change detection model of real interest rate is developed to combine the real interest rate equilibrium model and the procedure to detect structural change points. 3 equations are established to find various effects of other interest-related macroeconomic variables and from each equation, structural changes are found. Those structural change points are consistent with common expectation. Oil Crisis (December, 1987), the starting point of Economic Stabilization Policy (January, 1982), the starting point of capital liberalization (January, 1988), the starting and finishing points of Interest deregulation (January, 1992 and December, 1994), Foreign Exchange Crisis (December, 1977) are detected as important points. From the equation of fisher and real effects, real interest rate level is estimated as 4.09% (October, 1988) and dependent on the underlying model, it is estimated as 0%∼13.56% (October, 1988), so it varies so much. It is expected that this result is connected to the large scale simultaneous equations to detect the parameter instability in real time, so induces the flexible economic policies.

• 한국초등과학교육학회지:초등과학교육
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• 제32권4호
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• pp.379-392
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• 2013

The purpose of this study was to examine the effects of animation-based instruction on elementary students' level of understanding and interest on a plant's structure and function, using "Magic School Bus(Joanna Cole, Bruce Degen, 1986)". The understanding and interest measurements were administered to 99 fifth grade students at a elementary school located in Seoul. The study examined the changes in understanding and interest through pre-test and post-test of the two groups. Intensive interviews were conducted to find factors that enhance understanding and interest. Three key findings were revealed from the results. First, the animation-based instruction enhanced the level of understanding in the experimental group compared to the control group. Second, animation-based instruction made high-achieving students enhance their interest in topic component and attitude component. And, animation-based instruction did not led low-achieving students to increase their interest in the topic component and attitude component. We suggest that animation-based instruction positively influences students' understanding, but its effects on students' interest are dependent on their conceptual understanding of the topic.

• 한국HCI학회:학술대회논문집
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• 한국HCI학회 2008년도 학술대회 2부
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• pp.71-77
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• 2008

This study conducted to tried to find a way of on-line assessment of learner's interest and comprehension during interactive learning process. The result of experiment confirmed hat learners' behavior patterns acquired from log data could be good predictors of learner's level of interest and comprehension in actual performance on KORI program. To predict learning outcome depending on the behaviors of individual learners, self-efficacy and mastery goal orientation were measured as individual differences. Then, participants were asked to use TA program KORI program at home for ten days and their response patterns were recorded through network. After using KORI, the levels of interest and comprehension were measured. As the result of multiple regression analysis, each learner's interest and comprehension were predicted depending on the combination of log data captured on real-time. This prediction process was done differently depending on learners' characteristics. Since equations which predict learners' interest and comprehension are different depending on learners' characteristics, differential interfaces should be provided depending upon changes in their level of interest and comprehension.

• 대한가정학회지
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• 제44권12호
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• pp.93-103
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• 2006

The purpose of this study was to understand the consumption of adolescents by investigating the influences on their clothing purchasing influence and the effects of family communication and clothing interest. The questionnaires used for the were conducted for this study analysis was and were distributed to four Middle schools and two High schools which were located in Seoul. and 576 responses questionnaire were used for data analysis. Using SPSS package, factor analysis, reliability, Pearson correlation, regression, ANOVA, Duncan's Multiple Range test, and t-test were applied. The study results of this study are as follows: First, the influence of clothing purchasing influence of adolescents was higher than the parents' purchasing influence. Second, there were negative correlations between two levels of family communication, controlled and opened communication. But, but positive correlations between controlled communication and clothing interest, and between clothing interest and purchasing influence there were positive correlations. Third, there were partially significant differences among demographic factors and levels of communications, clothing interest and purchasing influence. Fourth, for male students social status, opened communication, and clothing interest had an effect on purchasing influence for male students and for female students clothing interest and both controlled and opened communication influenced were affecting purchasing influence for female students.

• 한국의류산업학회지
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• 제15권2호
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• pp.210-218
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• 2013

This study examined the degree of appearance interest and clothing conformity, the impacts of appearance interest on clothing conformity, and the effects of appearance interest and demographic variables on clothing conformity. A questionnaire survey collected data from October $3^{rd}$ to $27^{th}$ 2011. A convenience sample was drawn from adults between the ages of 17 and 76 who lived in the Daegu and Gyeongbuk regions of South Korea. A total of 513 responses produced complete and usable questionnaires. Data were tested through factor analysis and regression analysis, using SPSS 20.0. The results of this study are as follows : First, three factors were extracted from clothing conformity (normative, informative, identifiable conformity). The appearance interest was relatively high and normative conformity was the highest level among three factors of clothing conformity. Second, appearance interest was significant predictors of clothing conformity. Third, demographic variables such as gender, marital status, age and education levels had significant effects on the relationship between appearance interest and clothing conformity.

• 수산해양교육연구
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• 제26권1호
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• pp.81-97
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• 2014

The purpose of this study is to analyze the level of interest in the achievement evaluation system, under the assumption that the teacher is an important element of curriculum. For this study, surveys targeting the 150 middle school teachers from 6 schools in Pusan was conducted. A questionnaire based CBAM model was used as research tools. For data analysis, mean of relative strength by teacher's level of interest was calculated. And MANOVA was used to investigate the difference among level of interest according to teachers' background such as sex, age, career, job position, and the grade they taught. The results of the analysis are summarized as follows. First, the middle school teachers' overall interest for achievement evaluation system is low. Teachers showed a typical pattern appeared in the early stages of change. They have little interest in the achievement evaluation system. And they should try to fix and change the achievement evaluation system rather than cooperate it. Second, as a result of this analysis of the difference according to teachers' background, no significant differences were found in most of the variables. Significant differences were found only in age, career, and job position from step 0. In running the post hoc, teachers who have less careers, lower positions, and younger ages had less interest in achievement evaluation system.

• 한국생활과학회지
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• 제17권5호
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• pp.951-962
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• 2008

The purpose of this study was to analyze the co-relation with the types of lifestyle and interest of cosmetic surgery. The data were collected from 500 womens in Ulsan area. Frequencies, Cronbach's alpha, K-means Cluster analysis, T-test, one-way ANOVA and MCA were conducted by SPSS win 12.0k program. The results from this study were as follows: First, the types of women's lifestyles in Ulsan were divided with 4 groups such as the active leader, the display of originality, the loss of enthusiasm, and the prudent housekeeper. Second, interest of cosmetic surgery shows the difference in age and married or not. Interest of young single women was highest. Third, the display of originality group was highest in interest of cosmetic surgery among 4 groups. And the next was the active leader group. fourth, influences to the interest of cosmetic surgery was decreased both in age and lifestyle groups after excluding all the other variation factors. However, the interest was high in the 20th aged women and the display of originality group.

• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.591-599
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• 2020

This study examines how the health of the banks in ASEAN-3 countries namely Indonesia, Malaysia and Thailand respond to the change in exchange rates and foreign interest rates in four large economies. The transmissions of the two external factors through domestic factors in each ASEAN-3 countries eventually affects Non-Performing Loan (NPL) of commercial banks. This study uses the monthly time series data and the renowned Structural Vector Autoregressive (VAR) model comprising five variables, namely exchange rate, foreign interest rate, domestic interest rate, money supply, and non-performing loan (NPL). The results indicate that there are different effects between ASEAN-3 countries, which can be classified as short-run effect and long-run effect. In the long run effect, external factors have a dominant role in determining NPL in ASEAN-3 countries. Yuan has the biggest effect on Malaysia's NPL, while Indonesia is more affected by European interest rates rather than the fluctuation of the US currency and China's interest rates. Among ASEAN-3 countries, Malaysia is the one that is the most vulnerable to external factors. While Thailand's NPL is affected dominantly by domestic factors. This study shows that the Fed Funds Rate (US official interest rate) is not always the dominant factor affecting the health of domestic banks in ASEAN-3.

• 한국패션뷰티학회지
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• 제2권1호
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• pp.86-92
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• 2004

The purpose of this study were to investigate the differences in depression, appearance interest, and appearance adornment according to demographic variables, and how to examine degree of make-up and visit to a beauty shop was influenced by depression, and demographic variables. Subjects were 117 elderly women in their 60's to 70's in Jinju, Korea. There was a significant difference in appearance interest according to age. There were significant differences in appearance interest, makeup, and visit to a beauty shop according to education. That is, the high level group of education had a high degree of makeup, and a high interest in appearance than the low level group. There was a difference in appearance interest and makeup according to healthy condition. That is, the good healthy group had a high interest of appearance, and the high degree of makeup than the poor healthy group. The degree of makeup had an effect on appearance interest and education($R^2=.505$). The visit to a beauty shop had an effect depression(-), yes or no of a mate, and allowance($R^2=.192$).

• Journal of the Korean Data and Information Science Society
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• 제24권4호
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• pp.737-753
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• 2013

금리변동형 보험상품은 시장금리에 연동하여 이자율 (공시이율)을 적용하는 보험상품이지만, 시장금리의 하락시에도 해약환급금의 이자율을 보증하기 위해 최저보증이율을 설정하도록 하고 있다. 즉, 공시이율이 계약할 당시 설정한 최저보증이율을 하회할 경우 보험사는 공시이율과 최저보증이율 중에 큰 금액으로 책임준비금을 적립하고 계약자가 보험계약을 해지할 경우 해약환급금을 지급해야 한다. 이러한 이자율 보증옵션은 시장금리가 하락하는 최근의 저금리 기조에서 생명보험회사의 손익을 악화시키는 요인이 되고 있다. 본 논문에서는 현재의 저금리 상황과 이자율 보증옵션 적용방식 현황을 살펴보고, 금리변동형 종신보험과 금리변동형 연금보험의 이차손익 구조 및 이자율 보증옵션의 가치와 리스크를 분석한다. 그리고, 이자율 보증옵션의 분석 결과를 토대로 시장이율과 최저보증이율의 금리차와 이차손익과의 관계에 대한 시사점을 제시한다.