• The Journal of Asian Finance, Economics and Business
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• v.8 no.12
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• pp.95-105
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• 2021

A prerequisite of a sound financial system is effective channeling of financial resources to efficient users; hence maximizing economic and societal welfare. To that end, the prevalence of bad loans in banks in emerging economies is a major policy concern. In an attempt to add to the growing body of literature explaining the interrelationship between macroeconomic and firm-specific factors, and non-performing loans (NPL), this paper examines data from 24 scheduled commercial banks in Bangladesh from 2008 to 2019. Macroeconomic factors as well as firm-specific factors related to profitability, capital strength, and efficiency are considered. Panel data regression analysis is performed to estimate pooled OLS, fixed effects, and random effects models. Following the necessary testing, it was found that the fixed effects model with robust standard error is appropriate. Results show that return on assets and inflation have a negative influence on NPL, but GDP growth has a favorable impact. The paper concludes by asserting that the evidence supports similar findings from studies both in Bangladesh and elsewhere and it is noted that a combination of these macroeconomic and firm-specific factors explains only a small portion of the total variation in NPL.

• Journal of English Language & Literature
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• v.57 no.3
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• pp.457-472
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• 2011

The word "subject," like its apparent antonym "agent" is ambiguous. By "speaking subject" I intend both meanings: the spoken about, and the speaker, and the spoken about, in more or less that order. The paper contrasts the way women are spoken about in the 19^th Century debate over the role of women between John Ruskin and John Mill, and then in literary criticism of feminists nearer our own time, Kate Millet and Elizabeth Langland. I then move on to women as speaking subjects, first in the form of an imaginary speaking subject created by a male speaker, Charles Dickens channeling the confessional journal of Esther Summerson in Bleak House. The comparison with Elizabeth Gaskell, a genuine speaking subject, is highly instructive. I draw attention to symmetrical, in the sense of opposite, narrative strategies. Where Dickens begins in journalese, with a gritty, realistic opening that only gradually reveals a Cinderella in the ashes, Gaskell begins with a nursery rhyme, in an actual nursery, but goes on to reveal some rather sordid economic facts. Where Dickens creates a ventriloquist's doll, Gaskell succeeds in creating recognizable, if not always admirable, female voices. I conclude that just as the novel may be read as a real utterance in a real conversation, it is also possible to read the true emergence of women novelists in the 19^th Century as nothing more and nothing less than the creation of the first truly womanly words about women: women as speaking subjects in both senses of the word.

• Journal of Distribution Science
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• v.22 no.8
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• pp.17-27
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• 2024

Economic growth is influenced by various factors, including support from the banking world in channeling funds ownedthrough bank credit which will be a stimulus from economic activities as a source of economic growth. Purpose: Thisstudy aims to analyze the determinants of bank lending in supporting regional economic growth in South Sulawesi Province. Research Design, Data, and Methodology: This study uses secondary data taken from banking data and analyzed using path analysis Data analysis is carried out using the help of SPSS statistical analysis tools. Results: Non-Performance Loan, Three Partied Fund, Inflation, Exchange Rate directly affect economic growth. For the analysis of the indirect effect of Non-performance loans and Three Partied Funds have an indirect effect on economic growth through lending while the Loan to deposit Ratio, Inflation and exchange rate do not indirectly affect economic growththrough lending. Credit disbursement has a positive and significant effect on economic growth Conclusion: Economicgrowth of a region is influenced by many factors and these factors are influences from the banking world, the results ofthis study show that economic growth is strongly influenced by bank support through lending to support the economy by considering other factors such as interest rates and currency exchange rates

• Journal of the Korean Society for Heat Treatment
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• v.37 no.5
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• pp.237-246
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• 2024

In this study, hydrogen embrittlement was investigated for 316L stainless steel (SS316L) and CoCrFeNi medium-entropy alloy (MEA) fabricated by laser-powder bed fusion. The in-situ hydrogen charging tensile tests revealed that the reduction in ductility due to hydrogen was more significant in the CoCrFeNi MEA, compared to the SS316L. In the case of SS316L, hydrogen-assisted cracks (HACs) were observed mainly on the surface, whereas in CoCrFeNi, cracks were found not only at the edges but also in the central region. HACs analysis confirmed that transgranular (TG) cracks were predominant in SS316L, whereas only intergranular cracks were formed in the CoCrFeNi MEA. The difference in hydrogen embrittlement resistance between SS316L and CoCrFeNi was discussed in terms of the differences in deformation microstructure and hydrogen diffusivity, as investigated through electron channeling contrast imaging and nanoindentation.

• Proceedings of the Korean Vacuum Society Conference
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• 2012.08a
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• pp.337-337
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• 2012

단일 결정의 Ge 박막은 0.67 eV의 작은 밴드갭을 가지고 있기에 장파장의 빛을 흡수하기 위한 목적으로 태양전지 분야에서 집중적인 연구가 진행되어지고 있다. 또한, Si에 비하여 높은 전하 이동도를 가지고 있기에 박막 트랜지스터로의 응용 연구들이 진행되고 있는 중이다. 전자 소자로써 큰 효과를 가지고 오기 위해서는 양질의 Ge 결정박막을 성장하여야 한다. 이를 위하여 다양한 공정 방법으로 Ge 박막의 결정성 향상에 대한 연구들을 진행하고 있다. 그중 본 연구에서는 ICP-assisted DC sputtering 방법을 이용하여 저온(${\sim}230^{\circ}C$) Ge 박막 결정성장에 대한 연구를 진행하였다. Ge 박막을 유리기판(Eagle 2000) 위에 증착하였으며, $6{\times}10^{-6}$ Torr 이하의 기본 압력에서 공정을 진행하였다. 7 mTorr의 Ar 분위기에서 타겟에 인가되는 전압 및 전류를 변화 시키며 Ge 박막 증착에 미치는 영향에 대해서 연구를 진행하였다. 기본적인 DC sputtering 방법을 이용하여 박막을 증착하였을 경우 증착한 모든 샘플에서 결정성을 확인하였으며, 낮은 전압에서도 결정화가 일어나는 것을 확인 할 수 있었다. 또한 전압을 증가시켜도 결정화 정도가 일정하게 유지됨을 확인 할 수 있었다. 다만 이 경우에는 결정의 방향이 랜덤하게 형성되었으며, DC sputtering 방법을 이용하여 저온에서 공정을 진행하였기에 박막은 수십 nm의 columnar grain을 형성하였다. ICP를 이용한 DC sputtering 방법을 이용하여 박막을 증착 하였을 경우, 일정 전압 이하에서는 비정질의 Ge 박막이 균일하게 형성됨을 확인 할 수 있었으며, 이후 결정화 정도가 타겟에 인가되는 전압에 비례하여 증가하였다. 또한, 이때 증착된 Ge 박막은 단일 결정으로 형성되었음을 확인 할 수 있었다. 이는 박막 성장시 ICP에 의해서 생성된 Ar 이온이 표면으로 가속화됨으로 인하여 Ge 박막 표면에서 channeling 효과가 나타남으로 인하여 <110> 방향으로 결정이 정열된 것으로 보인다.

• 한국신재생에너지학회:학술대회논문집
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• 2010.06a
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• pp.252.1-252.1
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• 2010

These studies convert to useful electricity from swine wastewater and to treat this wastewater. In order to operate the microbial fuel cell(MFC) for the swine wastewater, the anode volume of MFCs was scaled up with 5L in the vacant condition. Graphite felts and low-priced mesh stainless-less as electrode had mixed up and packed into the anode compartment. The meshed stainless-less electrode could also be acted the collector of electron produced by microorganisms in anode. For a cathode compartment, graphite felt loaded Pt/C catalyst was used. Graphite felt electrode embedded in the anode compartment was punched holds at regular intervals to prevent occurred the channeling phenomenon. The sources of seeding on microbial fuel cell was used a mixture of swine wastewater and anaerobic digestion sludge(1:1). It was enriched within 6 days. Swine wastewater was fed with 53.26 ml/min flow rate. The MFCs produced a current of about 17 mA stably used swine wastewater with $3,167{\pm}80mg/L$. The maximum power density and current density was 680 $mW/m^3$ and 3,770 $mA/m^3$, respectively. From these results it is showed that treatment of swine wastewater synchronizes with electricity generation using modified low priced microbial fuel cell.

• Journal of Microbiology and Biotechnology
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• v.27 no.4
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• pp.844-855
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• 2017

Phosphate-solubilizing bacteria (PSB) have the ability to dissolve insoluble phosphate and enhance soil fertility. However, the growth and mineral phosphate solubilization of PSB could be affected by exogenous soluble phosphate and the mechanism has not been fully understood. In the present study, the growth and mineral phosphate-solubilizing characteristics of PSB strain Burkholderia multivorans WS-FJ9 were investigated at six levels of exogenous soluble phosphate (0, 0.5, 1, 5, 10, and 20 mM). The WS-FJ9 strain showed better growth at high levels of soluble phosphate. The phosphate-solubilizing activity of WS-FJ9 was reduced as the soluble phosphate concentration increased, as well as the production of pyruvic acid. Transcriptome profiling of WS-FJ9 at three levels of exogenous soluble phosphate (0, 5, and 20 mM) identified 446 differentially expressed genes, among which 44 genes were continuously up-regulated when soluble phosphate concentration was increased and 81 genes were continuously down-regulated. Some genes related to cell growth were continuously up-regulated, which would account for the better growth of WS-FJ9 at high levels of soluble phosphate. Genes involved in glucose metabolism, including glycerate kinase, 2-oxoglutarate dehydrogenase, and sugar ABC-type transporter, were continuously down-regulated, which indicates that metabolic channeling of glucose towards the phosphorylative pathway was negatively regulated by soluble phosphate. These findings represent an important first step in understanding the molecular mechanisms of soluble phosphate effects on the growth and mineral phosphate solubilization of PSB.

• Journal of Advanced Marine Engineering and Technology
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• v.40 no.1
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• pp.45-49
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• 2016

The performance of underwater acoustic communication systems is sensitive to inter-symbol interference caused by delay spread developed from multipath signal propagation. The multipath nature of underwater channels causes signal distortion and error floor. In order to improve the performance, it is necessary to employ an iterative coding scheme. Of the various iterative coding schemes, turbo code and convolutional code based on the BCJR algorithm have recently dominated this application. In this study, the performance of iterative codes based on turbo equalizers with equivalent coding rates and similar code word lengths were analyzed. Underwater acoustic communication system experiments using these two coding techniques were conducted on Kyeong-chun Lake in Munkyeong City. The distance between the transmitter and receiver was 400 m, and the data transfer rate was 1 Kbps. The experimental results revealed that the performance of turbo codes is better for channeling than that of convolutional codes that use a BCJR decoding algorithm.

• Applied Chemistry for Engineering
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• v.7 no.5
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• pp.977-984
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• 1996

Liquid-liquid extractions by use of hollow fiber membrane module are fast because of the large surface area per volume. In these membranes, the extractant and feed can be contacted at high speed and two flows are completely independent, so there are no problems with loading and channeling. In this paper, it was investigated the selectivities of extractants for extraction of heavy metals from aqueous solution into organic extractants by using the hollow fiber membrane. To identify the effect of distribution ratio on mass transfer in the membrane, we also compared the distribution ratio with mass transfer coefficient. From these experiments for the system with high distribution ratio, effect of the distribution ratio on mass transfer was weak compare with the low distribution ratio system in the hollow fiber membrane.

• Toxicological Research
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• v.24 no.1
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• pp.1-9
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• 2008

Ptdlns(4,5)$P_2$ is a key cellular phosphoinositide that localizes in separate and distinctive pools in subcellular membrane and vesicular compartments. In membranes, Ptdlns(4,5)$P_2$ acts as a precursor to second messengers and is itself a main signaling and targeting molecule. Specific subcellular localization of type I PIP kinases directed by interacting with specific targeting module differentiates Ptdlns(4,5)$P_2$ production in a spatial and temporal manner. Several lines of evidences support the idea that Ptdlns(4,5)$P_2$ is generated in very specific pools in a spatial and temporal manner or by feeding Ptdlns(4,5)$P_2$ directly to effectors. In this concept, the interaction of PIPKI isoforms with a specific targeting module to allow precise subcellular targeting modulates highly specific Ptdlns(4,5)$P_2$ synthesis and channeling overall effectors. For instance, localization of PIPKI${\gamma}$661 to focal adhesions by an interaction with talin results in spatial and temporal production of Ptdlns(4,5)$P_2$, which regulates EGF-stimulated directional cell migration. In addition, Type $I{\gamma}$ PIPK is targeted to E-cadherin in cell adherence junction and plays a role in controlling dynamics of cell adherence junction and endocytosis of E-cadherin. Characterizing how PIP kinase isoforms are regulated by interactions with their targeting modules, as well as the mechanisms by which their product, Ptdlns(4,5)$P_2$, exerts its effects on cellular signaling processes, is crucial to understand the harmonized control of numerous cellular signaling pathways. Thus, in this review the roles of the Ptdlns(4)P(5) kinases and Ptdlns(4,5)$P_2$ were described and critically reviewed in terms of regulation of the E-cadherin trafficking, cell migration, and formation of cell adherence junction which is indispensable and is tightly controlled in epithelial-to-mesenchymal transition process.