• Title/Summary/Keyword: access to credit

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A study on average changes in college students' credits earned and grade point average according to face-to-face and non-face-to-face classes in the COVID-19 situation

  • Jeong-Man, Seo
    • Journal of the Korea Society of Computer and Information
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    • v.28 no.3
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    • pp.167-175
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    • 2023
  • In the context of COVID-19, this study was conducted to study how college students' earned grades and average grade point averages changed according to face-to-face and non-face-to-face classes. For this study, grade data was extracted using an access database. For the study, 152 students during the 3rd semester were compared and analyzed the grade point average, average grade point average, midterm exam, final exam, assignment score, and attendance score of students who participated in non-face-to-face and face-to-face classes. As an analysis method, independent sample t-test statistical processing was performed. It was concluded that the face-to-face class students had better grades and average GPA. As a result, the face-to-face class students showed 4.39 points higher than the non-face-to-face class students, and the average grade value was 0.6642 points higher. As a result of the comparative analysis, it was statistically significant, and the face-to-face class averaged 21.22 and the non-face-to-face class had 16.83 points. In conclusion, it was confirmed that face-to-face students' grades were generally higher than those of non-face-to-face students, and that face-to-face students showed higher participation in class.

An Investigation on Characteristics and Intellectual Structure of Sociology by Analyzing Cited Data (사회학 분야의 연구데이터 특성과 지적구조 규명에 관한 연구)

  • Choi, Hyung Wook;Chung, EunKyung
    • Journal of the Korean Society for information Management
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    • v.34 no.3
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    • pp.109-124
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    • 2017
  • Through a wide variety of disciplines, practices on data access and re-use have been increased recently. In fact, there has been an emerging phenomenon that researchers tend to use the data sets produced by other researchers and give scholarly credit as citation. With respect to this practice, in 2012, Thomson Reuters launched Data Citation Index (DCI). With the DCI, citation to research data published by researchers are collected and analyzed in a similar way for citation to journal articles. The purpose of this study is to identify the characteristics and intellectual structure of sociology field based on research data, which is one of actively data-citing fields. To accomplish this purpose, two data sets were collected and analyzed. First, from DCI, a total of 8,365 data were collected in the field of sociology. Second, a total of 12,132 data were collected from Web of Science with a topic search with 'Sociology'. As a result of the co-word analysis of author provided-keywords for both data sets, the intellectual structure of research data-based sociology was composed of two areas and 15 clusters and that of article-based sociology was composed with three areas and 17 clusters. More importantly, medical science area was found to be actively studied in research data-based sociology and public health and psychology are identified to be central areas from data citation.

Information Asymmetry Issues in Online Lending : A Case Study of P2P Lending Site (인터넷 대부시장에서의 정보비대칭성 문제 : P2P 금융회사 사례를 중심으로)

  • Yoo, Byung-Joon;Jeon, Seong-Min;Do, Hyun-Myung
    • The Journal of Society for e-Business Studies
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    • v.15 no.4
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    • pp.285-301
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    • 2010
  • Peer-to-peer (P2P) lending is an open marketplace for loans not from bank but from individuals online. Financial transactions are facilitated directly between individuals ("peers") without any intermediation of a traditional financial institution. A market study by renowned research company forecasts that P2P lending will grow very fast and a couple of P2P lending sites in Korea also are getting attentions by providing the alternative financial services. In P2P lending market, Lender will enjoy higher income generated from the loans in the form of interest than interest that can be earned by financial products provided by official financial institutions. Furthermore, lenders are able to decide who they would lend the money for themselves. Meanwhile, borrowers with low credit scores are able to finance their liquidity requirement with low cost and convenient access to the Internet. The objective of this paper is to introduce P2P lending and its issues of information asymmetry. We provide the insights from the case study of one of P2P lending sites in Korea and review the issues in P2P lending market as research topics. Specifically, information asymmetry issues in both traditional financial institutions and P2P lending are discussed.

Multi User-Authentication System using One Time-Pseudo Random Number and Personal DNA STR Information in RFID Smart Card (RFID 스마트카드내 DNA STR Information과 일회용 의사난수를 사용한 다중 사용자 인증시스템)

  • Sung, Soon-Hwa;Kong, Eun-Bae
    • The KIPS Transactions:PartC
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    • v.10C no.6
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    • pp.747-754
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    • 2003
  • Thia paper suggests a milti user-authentication system comprises that DNA biometric informatiom, owner's RFID(Radio Frequency Identification) smartcard of hardware token, and PKI digital signqture of software. This system improved items proposed in [1] as follows : this mechanism provides one RFID smartcard instead of two user-authentication smartcard(the biometric registered seal card and the DNA personal ID card), and solbers user information exposure as RFID of low proce when the card is lost. In addition, this can be perfect multi user-autentication system to enable identification even in cases such as identical twins, the DNA collected from the blood of patient who has undergone a medical procedure involving blood replacement and the DNA of the blood donor, mutation in the DNA base of cancer cells and other cells. Therefore, the proposed system is applied to terminal log-on with RFID smart card that stores accurate digital DNA biometric information instead of present biometric user-authentication system with the card is lost, which doesn't expose any personal DNA information. The security of PKI digital signature private key can be improved because secure pseudo random number generator can generate infinite one-time pseudo randon number corresponding to a user ID to keep private key of PKI digital signature securely whenever authenticated users access a system. Un addition, this user-authentication system can be used in credit card, resident card, passport, etc. acceletating the use of biometric RFID smart' card. The security of proposed system is shown by statistical anaysis.

The Legal Nature and Problems of Air Mileage (항공마일리지의 법적 성격과 약관해석)

  • Kim, Dae-Kyu
    • The Korean Journal of Air & Space Law and Policy
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    • v.25 no.2
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    • pp.163-199
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    • 2010
  • A frequent flyer program is a loyalty program offered by many airlines. Typically, airline customers enrolled in the program accumulate frequent flyer miles corresponding to the distance flown on that airline or its partners. There are other ways to accumulate miles. In recent years, more miles were awarded for using co-branded credit and debit cards than for air travel. Acquired miles can be redeemed for free air travel; for other goods or services, such as travel class upgrades, airport lounge access or priority bookings. The first modern frequent flyer program was created Texas International Airlines in 1979. This program was also adopted in Korean Air in 1984. Since then, the mileage programs have grown enormously. As of June 2009, the total member of two national airlines in Korea had been over thirty million. However, accumulated miles could be burden of airlines, because the korean corporations should record the annual financial report the accumulate mileage on a liability account by 'the international financial report standards(IFRS)' next year. The korean airlines need to minimize the accumulated miles, so that for instance Korean Airlines SKYPASS-miles expire 5 years after being earned. It means that miles earned on or after July 2008 will expire after five years if unredeemed. Thus, this paper attempt to analyze the unfairness of the mileage rules of korean airlines by examining a specific portion of the conditions relating to consumer protection, because many mileage users has difficulties using mileage programs and complained the amendment of the mileage rules. In conclusion, the contemporary mileage rules in Korea are rather unsatisfactory, because airlines is not only recognizing a mileage into a kind of benefit but also denying inheritance of mileage and the legal nature of mileage as a property right. It is necessary to amend relevant mileage rules in view of consumer protection, because air mileage is not simple benefit but a right of mileage user.

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The Effect of the Gap between College Students' Perception of the Importance of Coffee Shops and Their Satisfaction after Patronizing Coffee Shops on Their Purchasing Behavior (대전원교학생대가배점중요성적감지화타문광고가배점지후적만의도지간적차거대타문구매행위적영향(大专院校学生对咖啡店重要性的感知和他们光顾咖啡店之后的满意度之间的差距对他们购买行为的影响))

  • Lee, Won-Ok
    • Journal of Global Scholars of Marketing Science
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    • v.19 no.4
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    • pp.1-10
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    • 2009
  • The purpose of this study was to categorize the gap between coffee shop 'importance' (as perceived by customers before patronizing the coffee shop) and 'satisfaction' (perception of customers after patronizing the coffee shop) as positive or negative and to analyze the effect of these gaps on purchasing behavior. To do this, I used the gap between importance and satisfaction regarding the choice of a coffee shop as the explanatory variable and performed an empirical analysis of the direction and size of the effect of the gap on purchasing behavior (overall satisfaction, willingness-to-revisit) by applying the Ordered Probit Model (OPM). A previous study that used IPA to evaluate the effects of gaps estimated the direction and size of a quadrant but failed to analyze the effect of gaps on customers. In this study, I evaluated the effects of positive and negative gaps on customer satisfaction and willingness-to-revisit. Using OPM, I quantified the effect of positive and negative gaps on overall customer satisfaction and willingness-to-revisit. Per-head expenditure, frequency of visits, and coffee-purchasing place had the most positive effects on overall customer satisfaction. Frequency of visits, followed by per-head expenditure and then coffee-purchasing place, had the most positive impact on willingness-to-visit. Thus per-head expenditure and frequency of visits had the greatest positive effects on overall satisfaction and willingness-to-revisit. This finding implies that the higher the actual satisfaction (gap) of customers who spend KRW5,000 or more once or more per week at coffee shops is, the higher their overall satisfaction and willingness-to-revisit are. Despite the fact that economical efficiency had a significant effect on overall satisfaction and willingness-to-revisit, college and university students still use coffee shops and are willing to spend KRW5,000 because they do not only purchase coffee as a product itself, but use the coffee shop for other activities, such as working, meeting friends, or relaxing. College and university students also access the Internet in coffee shops via personal laptops, watch movies, and study; thus, coffee shops should provide their customers with the appropriate facilities and services. The fact that a positive gap for coffee shop brand had a positive effect on willingness-to-revisit implies that the higher the level of customer satisfaction, the greater the willingness-to-revisit. A negative gap for this factor, on the other hand, implies that the lower the level of customer satisfaction, the lower the willingness-to-revisit. Thus, the brand factor has a comparatively greater effect on satisfaction than the other factors evaluated in this study. Given that the domestic coffee culture is becoming more upscale and college/university students are sensitive to this trend, students are attentive to brands. In most upscale coffee shops in Korea, the outer wall is built out of glass that can be opened, the interiors are exotic with an open kitchen. These upscale coffee shops function as landmarks and match the taste of college/university students. Coffee shops in Korea have become a cultural brand. To make customers feel that coffee shops are upscale, good quality establishments and measures to provide better services in terms of brand factor should be instituted. The intensified competition among coffee shop brands in Korea as a result of the booming industry indicates that provision of additional services is needed to differentiate competitors. These customers can also use a scanner free of charge. Another strategy that can be used to boost brands could be to provide and operate a seminar room for seminars and group study. If coffee shops adopt these types of strategies, college/university students would be more likely to consider the expenses they incur worthwhile and, subsequently, they would be more likely to be satisfied with the brands of these coffee shops, with an associated increase in their willingness-to-revisit. Gender and study year had the most negative effects on overall satisfaction and willingness-to-revisit. Female students were more likely to be satisfied and be willing to return than male students, and third and fourth-year students were more likely to be satisfied and willing-to-return than first or second-year students. Students who drink coffee, read books, and use laptops alone at coffee shops are easily noticeable. High-grade students tend to visit coffee shops alone in order to use their time efficiently for self-development and to find jobs. The economical efficiency factor had the greatest effect on overall satisfaction and willingness-to-revisit in terms of a positive gap. The higher the actual satisfaction (gap) of students with the price of the coffee, the greater their overall satisfaction and willingness-to-revisit. Economical efficiency with a negative gap had a negative effect on willingness-to-revisit, which implies that a less negative gap will result in a greater willingness-to-revisit. Amid worsening market conditions, coffee shops located around colleges/universities are using strategies, such as a point or membership card, strategic alliances with credit-card companies, development of a set menu or seasonal menu, and free coffee-shot services to increase their competitive edge. Product power also had a negative effect in terms of a negative gap, which indicates that a higher negative gap will result in a lower willingness-to-revisit. Because there are many more customers that enjoy coffee in this decade, as compared to previous decades, the new generation of customers, namely college/university students, want various menu items in addition to coffee, and coffee shops should, therefore, add side menu items, such as waffles, rice cakes, cakes, sandwiches, and salads. For example, Starbucks Korea is making efforts to enhance product power by selling rice cakes flavored in strawberry, wormwood, and pumpkin, and providing coffee or cream free of charge. In summary, coffee shops should focus on increasing their economical efficiency, brand, and product power to enhance the satisfaction of college/university students. Because shops adjacent to colleges or universities enjoy a locational advantage, providing differentiated services in terms of economical efficiency, brand, and product power, is likely to increase customer satisfaction and return visits. Coffee shop brands should, therefore, be innovative and embrace change to meet their customers' desires. Because this study only targeted college/university students in Seoul, comparative studies targeting diverse regions and age groups are required to generalize the findings and recommendations of this study.

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