• Journal of health informatics and statistics
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• v.43 no.4
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• pp.318-328
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• 2018

Objectives: People are living longer, but often with diseases or chronic conditions. As a consequence, interest in resolving insurance blind spots is growing. This study provides substandard risk-relevant statistics to help substandard risks who are likely to fall in insurance blind spots obtain insurance coverage, such as the reimbursement of medical costs, as well as to stimulate insurance product development. Methods: This study uses National Health Insurance Service (NHIS) cohort data to determine the relevant statistics. The incidence rates of severe diseases are derived and compared against standard risks to establish a set of relative risk factors. These incidence rates of standard and substandard risks are then compared. Results: Currently, an individual's cancer history is used in the underwriting process for simplified issue insurance. However, underwriting focusing on hospitalization and procedures related to serious illnesses could lower premiums for substandard risks. Moreover, the statistical results could be used to expand the coverage of health insurance products. Conclusions: This study's relative risk factors can be used to derive simplified issue premium rates for substandard risks. They can also be used to implement discount and loading schemes for medical reimbursement insurance and help insurance companies implement proactive risk management.

• Advances in environmental research
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• v.1 no.4
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• pp.277-288
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• 2012

This study investigated exposure to air pollutants in rooms in low-income houses at Shomolu (R1), Mafoluku (R2) and Mushin (R3) in Lagos state. The concentrations of most measured exceeded limits of Illinois Department of Public Health (IDPH) for indoor air quality. Air quality index (AQI) in rooms studied was unhealthy for sensitive people in terms of CO, unhealthy in terms of $SO_2$ and very unhealthy in terms of $NO_2$ while moderate air quality was obtained in terms of $PM_{10}$ in most rooms. High concentrations of carbontetrachloride, formaldehyde and xylene measured could have been responsible for some of the health complaints of the occupants. Factor analysis shows that cooking with kerosene, use of gasoline generator and insecticide were the major contributors to indoor air pollution in these rooms. Therefore, there is need to urgently tackle poverty as all affected by these pollutants were poor who live in substandard houses without kitchens.

• The Journal of the Convergence on Culture Technology
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• v.5 no.4
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• pp.277-282
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• 2019

This study analyzed the determinants of the financial Soundness of savings banks. In particular, empirical analysis was carried out on how the loan deposit ratio correlates with financial soundness after restructuring. As the restructuring of savings banks was finalized in 2014, asset management changed and it is time to analyze the financial characteristics of savings banks. In summary, the relationship between the savings bank lending rate and the NPL ratio is estimated to have a negative value at the 1% significance level. In other words, the higher the mortgage rate, the lower the substandard and below ratio. It can be said that it is not easy for a savings bank to build an aggressive loan portfolio. In other words, the more difficult it is to finance loans through savings deposits, the more likely the risk aversion tends to be. The higher the corporate loan ratio, average interest expense, and economic growth rate, the higher the risk index. The larger the asset size and the higher the loan growth rate, the lower the risk index. Increasing the mortgage rate may reduce risk-seeking behavior, but it does not mean that it is unconditionally positive for savings banks. Therefore, the loan deposit rate regulation should reduce the incentives for excessive asset expansion and manage preemptive soundness through lending portfolio management.

• Safety and Health at Work
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• v.12 no.1
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• pp.66-73
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• 2021

Background: The objective was to assess the knowledge level, attitude, and practice of health care workers towards standard precautions, and to identify the related factors. Furthermore, it was attempted to identify the proportion of having the experience of needle stick injuries (NSIs) and associated factors among participants. Methods: A cross-sectional study was conducted in a teaching hospital among 233 health workers using a self-administrated questionnaire. The questionnaire included eight knowledge items, seven practice items, and five attitude items. Based on the mean score of each category, responses were grouped into "satisfactory" and "unsatisfactory". Univariate, bivariate, and multivariable logistic regression analyses were done. Results: The mean age of the participants 32.95 (SD ± 9.70) and 62.2% of them were women. 57.5% of the staff had a satisfactory level of correct knowledge (>5 correct answers), 37.3% had a satisfactory positive attitude (>3 correct answers), and 30.9% had a satisfactory practice (>3 correct answers) towards standard precautions. The occupation was one of the predictors as doctors were less likely to have satisfactory knowledge and practice compared to nurses (OR = 0.269, 95% CI: 0.10-0.70 and OR = 0.248, 95% CI: 0.08-0.77, respectively). Out of 174 participants, 31.6% of them reported experiencing NSIs and support staff were 71% less likely to experience NSIs compared to nurses & paramedics. Conclusion: The findings revealed a substandard adherence of standard precautions among participants, which highlighted the necessity of the provision of a periodic, tailored training program based on the occupation and risk exposure.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.14 no.12
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• pp.6550-6557
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• 2013

The public road construction projects awarded by the regional construction and management office, which is an affiliate of the Ministry of Land, Infrastructure and Transport, are managed by construction supervision officers. These officials frequently visit a large number of construction sites to conduct inspections and supervision tasks. Therefore, the site management efficiency is essential in terms of the time and money spent in travelling to the sites. The introduction of a site monitoring management system is considered necessary to minimize the number of site visits and enable remote monitoring of the construction progress to enhance the business efficiency of the construction supervision officers. In this study, a remote site monitoring system was constructed using web cameras for public road construction works. The trial applications were implemented by selecting ten constructions sites. The effectiveness of the system was analyzed to assess its applicability. In an assessment of the applicability of the verification results, remote site monitoring showed cost savings of approximately 35% compared to the existing site management. The guidelines for applying the site monitoring management system were provided, the introduction plan was investigated, and the improvement method was presented. The results showed that the system is likely to minimize the unnecessary site visits, remove the risk factors at vulnerable areas in the sites beforehand, and prevent a range of disasters and accidents. In addition, the quality of the infrastructures is likely to improve through the prevention of accidents and the elimination of substandard and faulty construction work.

• The Journal of the Convergence on Culture Technology
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• v.7 no.4
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• pp.1-7
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• 2021

The purpose of this study was to analyze the effect of household loan share on bank management soundness. The results of the empirical analysis are summarized as follows. First, as a result of estimating coefficient of the mortgage loan ratio shows a significant negative relationship with the BIS equity capital ratio of banks. In addition, it was found that the mortgage loan ratio had a significant positive (+) effect on Eunhae's BIS and equity capital ratio after the financial crisis. Second, as a result of the estimation coefficient of the mortgage ratio showed a significant positive (+) relationship with the NPL of the bank and below. In addition, it is estimated that the bank's secured loan ratio changed significantly before and after the financial crisis in the effect of banks' NPL and substandard-and-below loans. It is expected to make implication to financial policy and banking regulation and supervision. We believe that more efforts should be made to increase the soundness of household loans in preparation for risk factors that may arise from exogenous factors such as changes in the international financial environment and falling property prices.