• Journal of the Korean Data and Information Science Society
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• v.26 no.6
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• pp.1417-1426
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• 2015

We develop the high risk group predictive model for loan default by utilizing the direct loan data from 2012 to 2014 of the Korea Student Aid Foundation. We perform the decision tree analysis using the data mining methodology and use SAS Enterprise Miner 13.2. As a result of this model, subject types were classified into 25 types. This study shows that the major influencing factors for the loan default are household income, national grant, age, overdue record, level of schooling, field of study, monthly repayment. The high risk group predictive model in this study will be the basis for segmented management service for preventing loan default.

• Journal of the Korean Society for Library and Information Science
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• v.47 no.4
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• pp.255-274
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• 2013

This study aims to set the criteria that can analyze and investigate the characteristics of books preferred by children and adolescents according to their personality types. To achieve this goal, the Enneagram personality test were conducted for 394 students of Year 5 from 8 primary schools and 374 students of Years 7 and 8 from 7 middle schools, which are located in Seoul and Gyunggi-do in Korea. The result of loan book was collected and analyzed. The analysis result showed that preferred books were different according to the personality types. The results of the specific values among the results of the preferred books were different depending on the central center where energy was used: brain-centered types (thought-focused), and heart-centered types (emotion-focused), and body centered-types (act-focused). This result is expected to be utilized for customized reading education according to personality types in the future.

• Asia-Pacific Journal of Business
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• v.11 no.3
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• pp.63-77
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• 2020

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

• International Journal of Internet, Broadcasting and Communication
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• v.6 no.1
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• pp.5-8
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• 2014

Social networking services that connect a person to other people are attracting our attention and various types of on-the-network services are provided. Library has been playing a role of social media by providing with materials such as books and magazines, and with a place for reading, studying, getting lectures, etc. In this paper, we present a method for finding candidates of groups of the library's patrons who share interest areas by utilizing the loan records, which are obtainable by every library. Such a homogeneous group can become a candidate for a study group, a community for exchange ideas, and other activity group. We apply the method to a collection of loan records of a university library, find some problem to be solved, and propose measures for more detailed solutions. Even though the potential group finding problem still remains a lot of problems to be solved, its potential importance is very high and thus to be studies even more for future applications.

• International journal of advanced smart convergence
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• v.2 no.2
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• pp.23-26
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• 2013

Social networking services that connect a person to other people are attracting people's attention and various types of services are provided on the Internet. Library has been playing a role of social media by providing us with materials such as books and magazines, and with a place for reading, studying, getting lectures, etc. In this paper, we present a method for finding candidates of groups of the library's patrons who share interest areas by utilizing the loan records, which are obtainable in every library. Such a homogeneous group can become a candidate for a study group, a community for exchange ideas, and other activity group. We apply the method to a collection of loan records of a university library, find some problems to be solved, and propose measures for more detailed solutions. Even though the potential group finding problem still remains a lot of issues to be solved, its potential importance is very high and thus to be studies even more for future applications.

• Cross-Cultural Studies
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• v.24
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• pp.99-111
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• 2011

This paper is a comparative study of English loans in Russian and Swahili. In the twenty first century, due to the advantage of English as a global language, a language of technology and business, it has had contact with many languages of the world and has become a major source of loans to many languages. Though very different from each other, both Russian and Swahili currently have English as their main source of loanwords. This study reports the extensive adaptation of English loans by Russian and Swahili and examines how these loan items are assimilated into the two languages. It concludes that besides the adaption of pure English loans they have both employed other strategies such as loan translations, semantic extensions and loanblends for vocabulary expansion.

• KDI Journal of Economic Policy
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• v.35 no.1
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• pp.63-101
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• 2013

'Venture firms' in Korea are the firms who are certified as 'venture', whose certification types are defined by a law ('Special Law for the Support of Venture Firms'), and therefore encompass not only the venture capital-financed companies, which are usually regarded as ventures in USA and European countries, but also other types of firms such as R&D-intensive firms and the firms with financial guarantee or loans through technology evaluation ('technology finance or loan firms'). This paper examines the differences in the Korean venture firms' growth between the venture certification types. For the empirical analysis, this paper uses the lists of venture-certified firms from 1998 to 2010 which are then linked with their financial data in Korea Enterprises Database (KED). According to the results of empirical analyses, the companies in the 'venture capital-financed firms' type show greater growth rate in sales and the number of regular employees 3 and 5 years after first venture certification than the firms in type of 'technology finance/loan firms'. Moreover, the newly certified companies in 'R&D-intensive firms' type are also showing faster growth than the 'technology finance/loan firms' since 2003 where the venture industry has undergone a consolidation phase after the blast of so-called 'IT venture bubble' in 2001~2002. These results imply that the so-called 'venture firms' in Korea are composed with heterogeneous firm groups with different characteristics and that the companies selected through market mechanism ('venture capital-financed firms') outperforms the companies selected on the basis of policy interests ('technology finance/loan firms') in terms of the growth in sales and employment. On the basis of these findings, this paper suggests that the current venture-support policy should consider the different policy demands of firms across the type of venture certification more actively and that should refocus the objective of policies on facilitating venture capital market rather than emphasizing the nominal increase in the number of venture-certified firms.

• Journal of Korean Library and Information Science Society
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• v.33 no.1
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• pp.291-322
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• 2002

Korean medical libraries have made interlibrary loan active under the korean medical library association since 1969, the sharing acquisition of journals has not been peformed efficiently in the absence of a bibliographic control institute. The medical library of seoul national medical university which is designated to a medical professional information center by korea education academy information developed MEDLIS linking the union catalog and interlibrary loan system and has been operating it in cooperation with the korean medical library association. Two types of questionaries were sent to 350 medical researchers and 160 medical librarians to investigate the realities of domestic and foreign medical information institutes, develop sharing systems and find a solution for sharing systems. Also, some analyses for the recent state of duplicate subscriptions, interlibrary loan, demands for system operations un the basis of the statistics of MEDLIS users were made. The result showed that medical researchers and medical librarians are affirmative for MEDLIS, users need a convenient interlibrary loan system and medical librarians agree to activate interlibrary loan. It also showed that sharing acquisition of journals seemed to be realizable for medical librarians, although there was no intention to improve the centralization of interlibrary loan among them. From the findings, a plan for sharing acquisition of journals established by the sharing acquisition committee under korea medical libraries society and national 8 local centers to play a key role in it was made. Also, a proposal for the establishment of an information center for controlling korean medical bibliographies was suggested. This system will be expected to contribute to make users to acquire materials more effectively and save the national budget.

• Korean Journal of Construction Engineering and Management
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• v.12 no.2
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• pp.41-52
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• 2011

Seoul, although having a housing stock as huge as that of world metropolitan cities, have implemented growth-oriented policies by constructing new housing units rather than using or rehabilitating existing ones. There were, therefore, few political efforts to preserve and rehabilitate multiple dwellings. Today, substantial time has passed since multiple dwellings in Seoul and the first-stage new cities such as Bundang and Ilsan were constructed. What is required to maintain the quality of the existing housing and use it with safety is loan, subsidy and tax incentive programs which are able to promote the maintenance of existing multiple dwellings. The objective of this study is to compare and analyze the maintenance systems of financial assistance(the loan, subsidy and tax incentive programs)of the world's largest cities with various housing types, I e New York and Tokyo, and then to propose to Seoul a framework for the maintenance systems.

• Journal of Venture Innovation
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• v.2 no.2
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• pp.117-126
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• 2019

This study conducted correlation analysis and multiple regression analysis using financial statements, loan structure, ROA and ROA volatility of domestic commercial banks, regional banks and special banks for the past five years (2012 ~ 2016). The result is as follows. First, as a result of correlation analysis, bank's ROA is positively related to household loans and SME loans, but it is negatively correlated with the ratio of loans to large companies, sector bias, and loan loss provision ratio. Second, ROA volatility was negatively related to household loans and SME loans, but it was positively correlated with large corporate loans, sector bias ratio, and loan loss provision ratio. Third, as a result of the regression analysis, the variables that have a statistically significant effect on the ROA volatility of banks were household loans, SME loans, and large enterprise loans. From these empirical results, special banks with high volatility in profits need to diversify loan types and sectors in order to achieve business performance outside of policy finance. and Especially, Suhyup Bank and Nonghyup Bank, which have a large commercial role, have a large size per unit by focusing on short-term profit and Rather than focusing on large companies or large loans that are easy to obtain financial information, it is necessary to focus management capabilities on household loans and SME loans by developing capabilities such as screening techniques.