• The Journal of Asian Finance, Economics and Business
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• 제8권8호
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• pp.497-502
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• 2021

This study aims to investigate the determinants of default risk of rural banks in East Java, Indonesia. The method used is descriptive verification and logistic regression analysis. The data used is secondary in the form of monthly annual financial reports of rural banks in East Java during the period 2009-2018. From the results, it was shown that net interest margin (NIM) as a proxy of market risk, non-performing loan (NPL) as a proxy of credit risk, operation efficiency as a proxy of operational risk and return on assets (ROA) as a proxy of profitability have a significant influence on default risk. Meanwhile, the loan to deposit (LDR) ratio as a proxy of liquidity risk has no significant influence on default risk. Banks need to implement risk management and meet the capital adequacy requirements of regulators so that they are resistant to risk, and also, compliant with bank governance to be able to produce high returns for rural banks have an impact on sustainability and its existence. The ability to identify setbacks in bank conditions and the ability to distinguish between healthy and problematic banks will enable to anticipate default banks.

• The Journal of Asian Finance, Economics and Business
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• 제9권4호
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• pp.13-28
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• 2022

The growth of the Islamic finance sector has been well-documented. One of the most booming sectors has been Sukuk. According to several past studies, non-Islamic investors' interest in Sukuk is due, at least in part, to the diversification benefits that Sukuk provides in the context of a fixed-income portfolio. This paper compares a pair between Sukuk and Bonds in the Malaysian market issued by the same issuer to have an unbiased comparison. Using unconditional correlation methodology provides an initial examination of the relationship between the matched pairs. In addition, this paper adopts the standard GARCH-DCC approach of Engle (2002). This is a generalization of the Bollserslev (1990) GARCH model, allowing for the conditional correlation matrices to be time-varying. The findings reveal that the correlation between bonds and Sukuk is similar to that of bonds, making Sukuk a less appealing type of bond from a diversification standpoint. There are no significant differences between Sukuk and bonds. These finding questions the previously considered differences among different types of Sukuk and supports the argument that some Sukuk might not be compliant with Islamic rules and their structure, as contracts have the same risks for Sukuk holders regardless of the type of Sukuk.

• International Journal of Computer Science & Network Security
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• 제24권3호
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• pp.142-150
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• 2024

A conceptual model represents an understanding of a system that is going to be developed, which in this research, a driving simulation software to study driver behavior at signalised intersections. Therefore, video observation was conducted to study driver compliance behaviour within the dilemma zone at signalised intersection, with regards to driver's distance from the stop line during yellow light interval. The video was analysed using Thematic Analysis and the data extracted from it was analysed using Chi-Square Independent Test. The Thematic Analysis revealed two major themes which were traffic situation and driver compliance behaviour. Traffic situation is defined as traffic surrounding the driver, such as no car in front and behind, car in front, and car behind. Meanwhile, the Chi-Square Test result indicates that within the dilemma zone, there was a significant relationship between driver compliance behaviour and driver's distance from the stop line during yellow light interval. The closer the drivers were to the stop line, the more likely they were going to comply. In contrast, drivers showed higher non-compliant behavior when further away from stop line. This finding could help in the development of conceptual model of driving simulation with purpose in studying driver behavior.

• 대한소아치과학회지
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• 제37권4호
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• pp.497-504
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• 2010

II급 부정교합 비발치 치료 시, 특히 유구치의 조기탈락으로 인해 소구치 공간이 상실된 경우 상악 대구치의 원심이동이 필요하게 된다. Jones jig 장치는 환자의 협조가 필요치 않은 구내장치 중 하나로 효과적인 구치 원심이동을 이룰 수 있다. 그러나 고정원의 상실로 인한 부작용이 나타날 수 있으므로 장치 조정과 환자의 선택에 신중을 기해야 한다. 본 증례에서는 Jones jig 장치로 효과적인 구치 원심이동과 더불어 elastic thread를 사용하여 구개측으로 맹출한 소구치의 치열궁 내 배열을 가능하게 하는 부가적인 장점을 경험하였기에 보고하는 바이다.

• Advances in biomechanics and applications
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• 제1권3호
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• pp.169-185
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• 2014

Computational multibody models of the elbow can provide a versatile tool to study joint mechanics, cartilage loading, ligament function and the effects of joint trauma and orthopaedic repair. An efficiently developed computational model can assist surgeons and other investigators in the design and evaluation of treatments for elbow injuries, and contribute to improvements in patient care. The purpose of this study was to develop an anatomically correct elbow joint model and validate the model against experimental data. The elbow model was constrained by multiple bundles of non-linear ligaments, three-dimensional deformable contacts between articulating geometries, and applied external loads. The developed anatomical computational models of the joint can then be incorporated into neuro-musculoskeletal models within a multibody framework. In the approach presented here, volume images of two cadaver elbows were generated by computed tomography (CT) and one elbow by magnetic resonance imaging (MRI) to construct the three-dimensional bone geometries for the model. The ligaments and triceps tendon were represented with non-linear spring-damper elements as a function of stiffness, ligament length and ligament zero-load length. Articular cartilage was represented as uniform thickness solids that allowed prediction of compliant contact forces. As a final step, the subject specific model was validated by comparing predicted kinematics and triceps tendon forces to experimentally obtained data of the identically loaded cadaver elbow. The maximum root mean square (RMS) error between the predicted and measured kinematics during the complete testing cycle was 4.9 mm medial-lateral translational of the radius relative to the humerus (for Specimen 2 in this study) and 5.30 internal-external rotation of the radius relative to the humerus (for Specimen 3 in this study). The maximum RMS error for triceps tendon force was 7.6 N (for Specimen 3).

• 대한의용생체공학회:학술대회논문집
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• 대한의용생체공학회 1997년도 추계학술대회
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• pp.478-481
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• 1997

A technique or the preparation of porous polyurethane vascular prostheses was investigated. Small-diameter vessels are not in general clinical use due to their limited long-term biocompatibility and low patency rates in experimental trial. These limits are mainly due to the failure of mechanical unction of the vascular grafts. This failure has been suggested to result partially from compliance mismatch. The long-term patency is considered to depend critically on the properties of the material and the fabrication process of the graft. So the control of pores is very important and main points to develop a available vascular grafts. Two-kind polymer sheets was compared. One was the porous PU-sheet made at room temperature by the solvent/non-solvent exchange. And the other was the porous PU-sheet which was fabricated by thermal phase transition and solvent-/non-solvent exchange using the thermal controller. The polymer sheets had a uniform pore size and pore occupation. According to the result of the above experiments, polyurethane solution was injected into a mold designed or U-type tube. The average pore size and pore occupation were easily changed by changing polyurethane concentration, freezing temperature, and methods. This technique can give a proper pore size ($10{\sim}45\;{\mu}m$) or tissue in growth, and suitable compliances or matching with arteries and veins. Besides, the fabrication of more complicated shaped vessels such as the U-type vascular grafts is easily controlled by using the fixed mold. this method might give a desired compliant graft or artificial implantation with the presently valid medical polymers.

• Toxicological Research
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• 제35권4호
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• pp.395-402
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• 2019

Subcutaneous adipose tissue (SAT) accumulation is a constitutional disorder resulting from metabolic syndrome. Although surgical and non-surgical methods for reducing SAT exist, patients remain non-compliant because of potential adverse effects and cost. In this study, we developed a new minimally-invasive approach to achieve SAT reduction, using a microneedle (MN) patch prepared from gelatin, which is capable of regulating fat metabolism. Four gelatin types were used: three derived from fish (SA-FG, GT-FG 220, and GT-FG 250), and one from swine (SM-PG 280). We applied gelatin-based MN patches five times over 4 weeks to rats with high-fat diet (HD)-induced obesity, and determined the resulting amount of SAT. We also investigated the histological features and determined the expression levels of fat metabolism-associated genes in SAT using hematoxylin and eosin staining and western blotting, respectively. SAT decreased following treatment with all four gelatin MN patches. Smaller adipocytes were observed in the regions treated with SA-FG, GT-FG 250, and SM-PG 280 MNs, demonstrating a decline in fat accumulation. The expression levels of fat metabolism-associated genes in the MN-treated SAT revealed that GT-FG 220 regulates fatty acid synthase (FASN) protein levels. These findings suggest that gelatin MN patches aid in decreasing the quantity of unwanted SAT by altering lipid metabolism and fat deposition.

• 한국전문물리치료학회지
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• 제28권3호
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• pp.161-167
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• 2021

Understanding sciences behind fall-related hip fractures in older adults is important to develop effective interventions for prevention. The aim of this review is to provide biomechanical understanding and prevention strategies of falls and related hip fractures in older adults, in order to guide future research directions from biomechanical perspectives. While most hip fractures are due to a fall, a few of falls are injurious causing hip fractures, and most falls are non-injurious. Fall mechanics are important in determining injurious versus non-injurious falls. Many different biomechanical factors contribute to the risk of hip fracture, and effects of each individual factors are known well. However, combining effects, and correlation and causation among the factors are poorly understood. While fall prevention interventions include exercise, vision correction, vitamin D intake and environment modification, injury prevention strategies include use of hip protectors, compliant flooring and safe landing strategies, vitamin D intake and exercise. While fall risk assessments have well been established, limited efforts have been made for injury risk assessments. Better understanding is necessary on the correlation and causation among factors affecting the risk of falls and related hip fractures in older adults. Development of the hip fracture risk assessment technique is required to establish more efficient intervention models for fall-related hip fractures in older adults.

• 대한간호학회지
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• 제43권5호
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• pp.649-657
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• 2013

Purpose: The purpose of this study was to examine effects of enneagram group counseling program on self-identification and depression in nursing college students. Three groups, categorized by how the students solve their conflicts, were selected to identify changes from the program. Methods: A quasi-experimental study with a non-equivalent control group and pre posttest design was used. Participants were assigned to the experimental group (n=30) or control group (n=33). The experimental group participated in enneagram group counseling program for 38 hours through eight sessions covering four different topics. Collected data were analyzed using Chi-square test, Fisher's exact test, t-test, and Wilcoxon signed rank test. Results: Total self-identity score for the experimental group was significantly higher than the control group. However, there was no significant difference between the two groups for depression scores. The Assertive and Compliant groups demonstrated significant change in self-identification while the Withdrawn groups did not reveal any change. Conclusion: Results indicate that the enneagram group counseling program is very effective in establishing positive self-identification for nursing college students who face developmental crisis and stressful situations. It is also expected that this program would be useful to enhance the students' confidence through a deeper understanding and acceptance of themselves.

• 대한간호학회지
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• 제39권2호
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• pp.186-197
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• 2009

Purpose: This study was done to investigate nurses' knowledge of, and compliance with the multidrug-resistant organism (MDRO) infection control guidelines. Methods: A survey questionnaire was developed based on the institutional and national guidelines and was administered to a convenience sample of 306 nurses in a university hospital. Results: The mean score for knowledge was 33.87 (percentage of correct answers: 82.61%). The percentages of correct answers for basic concepts, route of transmission, hand washing/protective devices and environment management were 74.27%, 94.29%, 92.90% and 75.54% respectively. The mean compliance score was 4.15 (range: 1-5). The compliance scores for education, communication, contact precaution, disinfection, surveillance culture, and hand washing were 3.29, 4.05, 4.20, 4.50, 4.40 and 4.48 respectively. Nurses indicated "lack of time (30.06%)", "lack of means (10.78%)" and "lack of knowledge (9.48%)" as reasons for noncompliance. Conclusion: While most educational programs have focused on hand washing or use of protective devices to prevent transmission of MDRO in acute care settings, hospital nurses' knowledge of the basic concepts of MDRO and environmental management has remained insufficient. Nurses are relatively non-compliant to the guidelines in the areas of education (staff, patient, family) and communication. Comprehensive educational programs are needed to decrease hospital infection rates and to improve the health of patients.