• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.19 no.4
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• pp.127-139
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• 2024

This study investigates the impact of edutech characteristics and both tangible and intangible educational services on the intention to re-enroll, which is directly related to the management performance of private institutes. The study aims to propose strategies to improve re-enrollment intentions and management performance based on the findings. Private education has grown continuously, complementing the limitations of public education and increasing parental dependence. This study tested the hypothesis that edutech characteristics, intangible services, and tangible services, increasingly utilized with the development of information and communication technology, would influence re-enrollment intentions. It also examined whether rapport-building behavior with parents would have a moderating effect on this relationship. The hypothesis testing results showed that among the edutech characteristics, content, intangible services such as reliability and empathy, and tangible services such as tangibility and payment accessibility positively impacted re-enrollment intentions. The hypothesis that rapport-building behavior would moderate the relationship between educational services and re-enrollment intentions was supported for empathy in intangible services and tangibility in tangible services. Based on these findings, the study proposed three strategies to improve management performance of private institutes. First, in terms of improving and managing edutech characteristics, it suggested introducing and updating edutech content and ensuring operational stability. Second, for improving and managing intangible services, it recommended managing instructor recruitment and training to enhance quality and competence, maintaining professionalism through continuous education by credible institutions, and providing level-based education for students based on the qualitative improvement of educational programs. Third, to improve and manage tangible services, it suggested setting appropriate tuition fees, offering various payment methods (online, mobile, card, bank transfer) unrestricted by time and place, and equipping interiors and facilities that enable focused learning. Additionally, considering the moderating effect of rapport-building behavior, it emphasized that improvements and management requiring costs are necessary, but making parents feel a high level of tangibility through rapport-building is also important. Furthermore, given the increasing importance of edutech based on information and communication technology, the study highlighted the need for various support measures such as government technological support and venture certification system support for institutes with an entrepreneurial spirit aiming to introduce innovative technologies such as AI technology based on large language models and AR/VR-applied metaverse environments. This study is expected to help improve the management performance of private institutes by specifically suggesting items and methods for improvement and management in the educational field.

• Health Policy and Management
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• v.30 no.2
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• pp.185-191
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• 2020

Background: From January 2018, a policy was applied to differentially apply the co-payment for medical expenses of 15,000 won or more from 30% to 10%-30% for each medical fee. This policy lowers the burden on the medical use of the elderly, and it is necessary to analyze the effect of the policy by confirming changes in medical use and supply behavior after 2 years. Methods: The National Health Insurance Service's national medical use database was used. As for the analysis method, first, the medical use and medical supply behavior change over the age of 65 years were confirmed, and second, in order to check the net effect of the policy, the 66-year-old as the experimental group and the 63-year-old as the control group were selected as the control group. The propensity score matching was performed using the variables of age, living alone, income quartile, residence, disability, chronic disease, and co-morbid disease scores, and then it was analyzed using the difference in difference analysis method. Results: The share of the number of treatments under 15,000 won decreased from 37.0% in 2017 to 20.2% in 2018, while the share of the number of treatments under 15,001-20,000 won increased from 8.0% to 22.7%. It was confirmed that the reason for the increase in the cost of treatment per treatment was the result of the increase in the amount of physical therapy and examination. As a result of the policy effect, the burden of co-payment per person was reduced, and as a result, the number of hospital visits per person and the total medical cost per person increased. Conclusion: The self-pay rate differential policy reduced the burden of medical expenses for the elderly and confirmed the increase in medical use. However, the interpretation of the increase in medical use was not able to distinguish whether the unsatisfactory medical care was satisfied or the inducement demand. Efficient allocation of resources is a more important point in the future when the super-aged society is in front. It is necessary to prepare a plan to induce rational medical use within a range that does not impair the medical accessibility of the elderly.

• Journal of Preventive Medicine and Public Health
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• v.53 no.6
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• pp.455-464
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• 2020

Objectives: The distribution of hospitals in Korea is unbalanced in terms of accessibility. Many local public health centers (PHCs) exempt out-of-pocket payments (OOPs) based on local government laws to increase coverage. However, this varies across administrative regions, as many make this exemption for the elderly, while others do not. This study aimed to evaluate the effects of the OOP exemption at local PHCs among elderly individuals. Methods: This study used online data on Korean national law to gather information on individual local governments' regulations regarding OOP exemptions. Individual-level data were gathered from the 2018 Community Health Survey and regional-level data from public online sources. Results: The study analyzed 132 regions and 44 918 elderly people. A statistical analysis of rate differences and 2-level multiple logistic regression were carried out. The rate difference according to whether elderly individuals resided in areas with the OOP exemption was 1.97%p (95% confidence interval [CI], 1.07 to 2.88) for PHC utilization, 1.37%p (95% CI, 0.67 to 2.08) for hypertension treatment, and 2.19%p (95% CI, 0.63 to 3.74) for diabetes treatment. The regression analysis showed that OOP exemption had an effect on hypertension treatment, with a fixed-effect odds ratio of 1.25 (95% CI, 1.05 to 1.48). Conclusions: The OOP exemption at PHCs can affect medical utilization in Korea, especially for hypertension treatment. The OOP exemption should be expanded to improve healthcare utilization in Korea.

• International Commerce and Information Review
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• v.19 no.1
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• pp.99-126
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• 2017

The Indonesian e-commerce market has grown significantly due to sustained economic growth, middle class growth, rapid increase in Internet and SNS users, and increase in accessibility of mobile broadband services. In particular, consumers' online shopping through mobile and SNS has been increasing rapidly based on the expansion of the popularity of smart phone devices. This research suggested the strategies for expanding exports of Indonesia through e-commerce platform to the Korean firms, with deep analysis of the current status and features, problems, cases, and implications etc. of Indonesia's e-commerce market. As an export expansion strategy utilizing Indonesia's e-commerce platform, this study showed the Korean firms have to build a local online distribution network, establish a logistics & delivery and payment system, acquire Halal certification for Muslim market, carry out the in-depth market research, actively implement Hanryu marketing strategy, develop a creative product, set up market segmentation strategies, and develop SNS mobile marketing.

• The Korean Journal of Financial Management
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• v.26 no.4
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• pp.83-102
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• 2009

Banks traditionally focus on the financial services against the uncertain future liquidity needs, i.e. saving as well as lending. As the business model of banks has been shifted from the originate to hold model to the originate to distribute model since the enactment of Gramm-Leach-Bliley Financial Services Modernization Act in 1999, the financial services encompass information gathering and generating, underwriting and risk sharing through packaging claims for the investors, in addition to the payment and settlement services. Ensued are the financial market integration and diversification of financial services, with which the accessibility to financial services is arguably significantly enhanced. Such integration and diversification necessarily entails the risk of contagion due to the non-fulfilling service over the several other financial services, which would be contained easily under the separate financial services. This paper addresses the pricing of fees for the integrated financial services through which the contagion could spread when the users of financial service are not immune to the failure to fulfill their obligation due to the economic turmoil. Consequently the information asymmetry about the clients is unavoidable. Higher fees could drive out the otherwise good clients out of the pool of customers for the financial services. Then, the risk could be exacerbated due to the proliferation of bad clients who are vulnerable to the financial distress and liquidity crunch. So the banks should take into account the interactional effect of the fees between/among the non interest based activities and interest based activities under the information asymmetry. Contrary to our general perception, the current analysis demonstrates that the bank should focus on the reduction of cost associated with good clients rather than that of bad clients.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.10
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• pp.129-138
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• 2021

Several studies have revealed that information on borrower characteristics plays an important factor in approving their credit requests. Though the extent to which such characteritics are also applicable to the case of fintech lending remain uncertain. The aim of this study is, thus, to investigate the determinant factors that influence MSEs in obtaining credit through fintech lending. Here, we emphasize virtual trust in fintech lending encompasing the dimension of social network, economic attributes, and risk perception based on several indicators that are used as proxies. Primary data used in the study was gathered from an online survey to the respondents of MSEs in Java. The result of the study indicates that determinants of MSEs in obtaining credit from lender through fintech lending are statistically influenced by internet usage activities, borrowing history, loan utilization, annuity payment system, completeness of credit requirement documents and compatibility of loan size with the business need. These factors have a significant effect on credit approval because they can generate virtual trust of fintech lender to MSEs as potential borrowers. It concludes that the probability of obtaining fintech loans in accordance with their expectations are influenced by the dimensions of social network, economic attributes and risk perception.

• International Journal of Computer Science & Network Security
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• v.22 no.9
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• pp.353-357
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• 2022

This article identifies the problems and substantiates the directions for the development of distance learning technologies in the training of personnel. An example of using digital media to create a remote access laboratory is given. The article is devoted to the definition of the main aspects of the organization of distance education. Rapid digitization, economic, political and social changes taking place in Ukraine necessitate the reform of the education system. First of all, it concerns meeting the educational needs of citizens throughout their lives, providing access to educational and professional training for all who have the necessary abilities and adequate training. The most effective solution to the above-mentioned problems is facilitated by distance learning. The article analyzes the essence and methods of distance learning organization, reveals the features of the use of electronic platforms for the organization of this form of education in different countries of the world. The positive characteristics of distance learning are identified, namely: extraterritoriality; savings on transport costs; the interest of modern youth in the use of information tools in everyday life; increase in the number of students; simplicity and accessibility of training; convenient consultation system; democratic relations between the student and the teacher; convenience for organizations in training their employees without interrupting their regular work; low level of payment for distance education compared to traditional education; individual learning pace; new teacher status. Among the negative features of online education, the author refers to the following problems: authentication of users during knowledge verification, calculation of the teacher's methodological load and copyright of educational materials; the high labor intensity of developing high-quality educational content and the high cost of distance learning equipment; the need to provide users with a personal computer and access to the Internet; the need to find and use effective motivation mechanisms for education seekers.

• International Journal of Computer Science & Network Security
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• v.24 no.8
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• pp.179-183
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• 2024

This article identifies the problems and substantiates the directions for the development of distance learning technologies in the training of personnel. An example of using digital media to create a remote access laboratory is given. The article is devoted to the definition of the main aspects of the organization of distance education. Rapid digitization, economic, political and social changes taking place in Ukraine necessitate the reform of the education system. First of all, it concerns meeting the educational needs of citizens throughout their lives, providing access to educational and professional training for all who have the necessary abilities and adequate training. The most effective solution to the above-mentioned problems is facilitated by distance learning. The article analyzes the essence and methods of distance learning organization, reveals the features of the use of electronic platforms for the organization of this form of education in different countries of the world. The positive characteristics of distance learning are identified, namely: extraterritoriality; savings on transport costs; the interest of modern youth in the use of information tools in everyday life; increase in the number of students; simplicity and accessibility of training; convenient consultation system; democratic relations between the student and the teacher; convenience for organizations in training their employees without interrupting their regular work; low level of payment for distance education compared to traditional education; individual learning pace; new teacher status. Among the negative features of online education, the author refers to the following problems: authentication of users during knowledge verification, calculation of the teacher's methodological load and copyright of educational materials; the high labor intensity of developing high-quality educational content and the high cost of distance learning equipment; the need to provide users with a personal computer and access to the Internet; the need to find and use effective motivation mechanisms for education seekers.

• KDI Journal of Economic Policy
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• v.12 no.3
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• pp.47-69
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• 1990

The measures taken to reform the Dutch health insurance system hold valuable lessons for countries such as Korea, where there has been increased concern regarding the efficiency and effectiveness of the health services provided. The growing literature on comparative health insurance policies suggests that nations can learn from each other. In addition, Korean policymakers have shown great interest in the health insurance systems of foreign countries, particularly in Japan. The development of Korea's health insurance scheme during the past 12 years has made a significant contribution to the increased accessibility of health care services. Although the insurance coverage is universal, the health insurance system today in Korea is by no means a product of systematic and planned efforts. Moreover, it lacks due considerations of insured's needs as well as the long-term objectives of the social security health care system. There are growing gaps in premium burdens and benefits between the rural health insurance program and the employee's health insurance programs. Furthermore, the regional health insurance program is experiencing financial difficulties in spite of the fact that the amount of the government subsidy has been sharply increased in recent years. Under the present payment method solely based on the fee-for-service schedule, both consumers and providers are encouraged to utilize and prescribe more services. The combination of the utilization-inducing reimbursement system and continuous pushes for expanding health insurance has played a crucial role in raising the country's medical bills. Current trends in Korea's health care sector and those anticipated in the near future necessitate changes in the structure and funding of health care. As indicated in the above, there are various shortcomings in this context, the health policy authority in Korea can draw valuable lessons from the Dutch experiences in reforming their health insurance system. The main elements of the Dutch reform measures are a restructuring of the insurance system and a greater role for market forces in the health care system. On this basis a new system will be created which reflects the social nature of health care while at the same time containing sufficient mechanisms to allow the health care sector to operate in a cost-effective and efficient manner.

• Journal of Korean Library and Information Science Society
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• v.36 no.2
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• pp.197-220
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• 2005

This paper examined the structure of internet bookstore users' subjectivity by focusing on their beliefs, values and attitudes.0 methodology was utilized for the study. After constituting 36 Q sample and 28 P sample, data were collect from April 15, 2005 to April 22 2005. The analyses showed 3 types of subjectivity structures. The first one was 'the economic benefit-seeking type.' Those in this type were motivated to use internet bookstores to achieve economic benefits. They paid more attention to the Prices discounted than the web site contents provided by internet bookstores. This type was conspicuously found among college students. The second one was the 'information-seeking type.' People in this category made visits to internet bookstores in order to obtain new information or professional materials. This type was dominantly found among women. The third one was the 'convenience-seeking type.' Those in this type were concerned not only with the accessibility and convenience, but also with such practical issues as delivery, price, applicability, payment, and bonus. This type was conspicuously observed among white collar workers. These findings suggests that in order to make internet bookstores more attractive to users, it is demanded to understand various needs held by users and map out sophisticated marketing strategies on the basis of such a knowledge.