• Title/Summary/Keyword: content utilization analysis

Search Result 422, Processing Time 0.034 seconds

A Study on the Impact of SNS Usage Characteristics, Characteristics of Loan Products, and Personal Characteristics on Credit Loan Repayment (SNS 사용특성, 대출특성, 개인특성이 신용대출 상환에 미치는 영향에 관한 연구)

  • Jeong, Wonhoon;Lee, Jaesoon
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
    • /
    • v.18 no.5
    • /
    • pp.77-90
    • /
    • 2023
  • This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

  • PDF

Studies on the Physical Properties of Major Tree Barks Grown in Korea -Genus Pinus, Populus and Quercus- (한국산(韓國産) 주요(主要) 수종(樹種) 수피(樹皮)의 이학적(理學的) 성질(性質)에 관(關)한 연구(硏究) -소나무속(屬), 사시나무속(屬), 참나무속(屬)을 중심(中心)으로-)

  • Lee, Hwa Hyoung
    • Journal of Korean Society of Forest Science
    • /
    • v.33 no.1
    • /
    • pp.33-58
    • /
    • 1977
  • A bark comprises about 10 to 20 percents of a typical log by volume, and is generally considered as an unwanted residue rather than a potentially valuable resourses. As the world has been confronted with decreasing forest resources, natural resources pressure dictate that a bark should be a raw material instead of a waste. The utilization of the largely wasted bark of genus Pinus, Quercus, and Populus grown in Korea can be enhanced by learning its physical and mechanical properties. However, the study of tree bark grown in Korea have never been undertaken. In the present paper, an investigative study is carried out on the bark of three genus, eleven species representing not only the major bark trees but major species currently grown in Korea. For each species 20 trees were selected, at Suweon and Kwang-neung areas, on the same basis of the diameter class at the proper harvesting age. One $200cm^2$ segment of bark was obtained from each tree at brest height. Physical properties of bark studied are: bark density, moisture content of green bark (inner-, outer-, and total-bark), fiber saturation point, hysteresis loop, shrinkage, water absorption, specific heat, heat of wetting, thermal conductivity, thermal diffusivity, heat of combustion, and differential thermal analysis. The mechanical properties are studied on bending and compression strength (radial, longitudinal, and tangential). The results may be summarized as follows: 1. The oven-dry specific gravities differ between wood and bark, further more even for a given bark sample, the difference is obersved between inner and outer bark. 2. The oven-dry specific gravity of bark is higher than that of wood. This fact is attributed to the anatomical structure whose characters are manifested by higher content of sieve fiber and sclereids. 3. Except Pinus koraiensis, the oven-dry specific gravity of inner bark is higher than that of outer bark, which results from higher shrinkage of inner bark. 4. The moisture content of bark increases with direct proportion to the composition ratio of sieve components and decreases with higher percent of sclerenchyma and periderm tissues. 5. The possibility of determining fiber saturation point is suggested by the measuring the heat of wetting. With the proposed method, the fiber saturation point of Pinus densiflora lies between 26 and 28%, that of Quercus accutissima ranges from 24 to 28%. These results need be further examined by other methods. 6. Contrary to the behavior of wood, the bark shrinkage is the highest in radial direction and the lowest in longitudinal direction. Quercus serrata and Q. variabilis do not fall in this category. 7. Bark shows the same specific heat as wood, but the heat of wetting of bark is higher than that of wood. In heat conductivity, bark is lower than wood. From the measures of oven-dry specific gravity (${\rho}d$) and moisture fraction specific gravity (${\rho}m$) is devised the following regression equation upon which heat conductivity can be calculated. The calculated heat conductivity of bark is between $0.8{\times}10^{-4}$ and $1.6{\times}10^{-4}cal/cm-sec-deg$. $$K=4.631+11.408{\rho}d+7.628{\rho}m$$ 8. The bark heat diffusivity varies from $8.03{\times}10^{-4}$ to $4.46{\times}10^{-4}cm^2/sec$. From differential thermal analysis, wood shows a higher thermogram than bark under ignition point, but the tendency is reversed above ignition point. 9. The modulus of rupture for static bending strength of bark is proportional to the density of bark which in turn gives the following regression equation. M=243.78X-12.02 The compressive strength of bark is the highest in radial direction, contrary to the behavior of wood, and the compressive strength of longitudinal direction follows the tangential one in decreasing order.

  • PDF

Skin Protection Effect of Grape Pruning Stem Extract on UVB-induced Connective Tissue Injury (포도전정가지 추출물이 UVB로 유도된 결합 조직 손상에 미치는 피부 보호 효과)

  • Kim, Joung-Hee;Kim, Keuk-Jun
    • Journal of Life Science
    • /
    • v.28 no.2
    • /
    • pp.141-147
    • /
    • 2018
  • This study aimed to analyze the contents of rutin, procyanidin B3, quercetin, and kaempferol, known to have antioxidant, anti-inflammatory, and anti-carcinogenic effects, among the polyphenol types contained in grape pruning stem extracts (GPSE). It utilized grape stems discarded after harvest to measure the effects of GPSE on skin moisture, inhibition of skin cell proliferation, and anti-inflammatory activity on the damaged skin of HR-1 mice induced with ultraviolet B (UVB), and to verify the applicability of GPSE as a material for functional food and functional cosmetics. The polyphenol was extracted from grape pruning stems with 80% EtOH, and then the extract was used while storing at $-20^{\circ}C$, after filtering, concentrating, and freeze-drying it. The content of an active ingredient of GPSE was analyzed using high performance liquid chromatography (HPLC). From 53 kg of the grape pruning stem specimen, 2.34 kg of the EtOH fraction extracts were extracted to achieve a 4.42% yield ratio. Analysis of the active ingredients showed 0.28 mg/g of procyanidin B3, 12.81 mg/g of rutin, 0.51 mg/g of quercetin, and 8.24 mg/g of kaempferol. After UVB irradiation on the dermis, to confirm the degree of inhibition of collagen synthesis, we examined the protein expression of MMP-9 using immunohistochemical staining. The results of this study confirm the existence of active polyphenol types, such as rutin, kaempferol, quercetin, and procyanidin B3, in GPSE. Moreover, the study found that GPSE has anti-collagenase effects and it decreases the effects of UV damage on skin barrier function. GPSE is a functional ingredient with a potential for skin protection effects, and it has high utilization potential as an ingredient for functional cosmetics.

A Study of Synthesis and Biological Function on DL-1-Aminoethylphosphonic Acid (DL-1-Aminoethylphosphonic acid의 생물학적(生物學的) 기능연구(機能硏究))

  • Kim, Sook-He;Cho, Jung-Nam;Kim, Yong-Joon
    • Journal of Nutrition and Health
    • /
    • v.2 no.4
    • /
    • pp.173-181
    • /
    • 1969
  • Since 1959 ${\beta}-aminoethylphosphonic$ acid was discovered in the living organism, the biosynthesis and biological functions of aminophosphonic acids have been extensively studied. The author designed and carried out this study for 14 weeks to find out the metabolic function of Ethylaminophosphonic acid (AEP) and it's utilization in the living body. Sixty rats, thirty males and thirty females aged $40{\pm}5$ days were divided into two parts, one for alanine supplemented as control group and the other for AEP as experimental group to compare metabolic pathway of ordinary amino acid with that of AEP. Both alamine and AEP group were divived into two subgroups according to the level of supplements, 0.1% and 0.2% of the diet. The major components of the diet in this study were composed of 20% casein, 72% Sugar, 4% fat, 4% salt Mixture, and all kind of Uitamins in adeguate amount. For comparision of biological values between experimental and control group in terms of body weight, uninary nitrogen, creatinine excretion and final orgam weight, there were no statically significant difference in these respects. This meant AEP could be utilized in the body as much as alanine could. Urinary phosphorus excretion was determined by developing the blue color to read on the Spectronic 20. Statistically insignificance in the urinary phosphorus excretion between experimental and control group was observed in spite of the supplementation of phosphorus of AEP for experimental group in the diet. The level of blood phosphorus was higher in experimental group than that in control group this result supported above result. In the analysis of fat and nitrogen contents in the liver, AEP group showed slightly higher than control in both respects. But it was noteworthy 0.2% AEP group in both sex were higher than 0.1% AEP in liver fat content. Histological examinal of internal organs liiver, lung, spleen, heart, kindey, adrenal and sex organs showed no changes in all groups included in this study. The group supplemented higher level of diet. by alanine 0.2% and AEP 0.2% stayed on less body weight gain and lower liver weight. This result could be interpreted that amino acid imbalanced condition was arose in the body.

  • PDF

Antimicrobial, Antioxidant and Anticoagulation Activities of Korean Radish (Raphanus sativus L.) Leaves (무청의 항균, 항산화 및 항혈전 활성)

  • Lee, Ye-Seul;Kwon, Kyung-Jin;Kim, Mi-Sun;Sohn, Ho-Yong
    • Microbiology and Biotechnology Letters
    • /
    • v.41 no.2
    • /
    • pp.228-235
    • /
    • 2013
  • Radish (Raphanus sativus) is a common cruciferous vegetable, and its aerial parts, called Mu-chung in Korean, have plentiful nutritional components such as vitamins, minerals and dietary fibers. Mu-chung has been used as a kimchi, a traditional Korean fermented dish, and dried Mu-chung is an important component of soups commonly consumed during winter in Korea. Since the advent of the mass production of radish in Korea, with the segregation of farm areas and towns and changing diets, Mu-chung has mostly been discarded instead of utilized. In addition, studies concerning the efficient utilization and useful bioactivities of Mu-chung are still lacking worldwide. In this study, we prepared the ethanol extract of Mu-chung and its subsequent solvent fractions. Antimicrobial, antioxidation, and anticoagulation activities were then evaluated in the hopes of developing a functional biomaterial from Korean radishes' aerial parts. The ethanol extraction yield for hot-air dried Mu-chung was 5.6%, and the fraction yields of n-hexane (H), ethylacetate (EA), butanol (B) and water residue were 25.3, 3.6, 19.4, and 51.7%, respectively. Analysis of total polyphenol and total flavonoid contents showed that the EA fraction had the highest content (97.57 and 152.91 mg/g) amongst the fractions. In antimicrobial activity assays, the H and EA fractions were effective against gram positive bacteria (Staphylococcus aureus, Listeria monocytogenes, and Bacillus subtilis), but not effective against gram negative bacteria (Escherichia coli and Pseudomonas aeruginosa). The B fraction also exhibited moderate antibacterial activity, suggesting that the extract of Mu-chung has various antibacterial components. In antioxidation activity assays, the EA fraction showed strong DPPH, ABTS and nitrite scavenging activities ($69-222{\mu}g/ml$ of $IC_{50}$), including reducing power. In anticoagulation activity assays, the EA fraction demonstrated strong inhibition activity against human thrombin and prothrombin. Prominent anticoagulation activity was found in aPTT assays; the aPTT of the EA fraction was extended 15-fold compared than that of the solvent control. Our results suggest that Mu-chung is an attractive nutritional food material possessing useful bioactivities, and the EA fraction of Mu-chung could be developed as a functional food ingredient.

Availability of Fish Processing By-Procucts Substituted for Frozen Round Fish in Moist Pellet Diets for Flounder, Paralichthys olivaceus (넙치 Moist Pellet용 생사료 대체원으로서 어류가공부산물의 효과)

  • KANG Young Jin;LEE Jong Yun;LEE Sang Min;HUR Sung Bum
    • Journal of Aquaculture
    • /
    • v.5 no.2
    • /
    • pp.127-142
    • /
    • 1992
  • A feeding experiment was carried out to investigate the availability and feasibility of fish processing by-products as a substitute for frozen round fish in moist pellet diets for flounder, Paralichthys olivaceus. A control diet was prepared by incorporating $50{\%}$ frozen horse mackerel and $50{\%}$ commercial binder feed. In test diets the frozen horse mackerel of the control diet was replaced with either tuna scrap, tuna viscera, flatfish offal, deskinned hagfish, or tuna viscera ($20{\%}$) with frozen horse mackerel ($30{\%}$). Eighty flounders, 13.4 g in mean body weight, were stocked in 12 aquaria ($250\;{\ell}$ each) and fed six experimental diets for the first 28-day experiment. For the second 23-day experiment, forty flounders,44.8 g in mean body weight, were stocked and fed the same experimental diets. All treatments were duplicated. There were no significant differences in growth, feed efficiency and nutrient utilization among fish fed experimental diets containing either frozen horse mackerel, deskinned hagfigh, flatfish offal or tuna viscera with frozen horse mackerel. However, the feeding performances of fish fed experimental diets containing tuna scrap or tuna viscera were significantly lower than those of the control diet (P<0.05). There were no significant differences among the treatments on the proximate analysis values of the whole body. However, the crude lipid content of liver of the fish fed the experimental diet containing tuna scrap was significantly lower than that of the others. The results indicate that deskinned hagfish, and flatfish offal could be successfully substituted for frozen fish portion of moist pellet diets for flounder, but tuna viscera could only be partially substituted.

  • PDF

Chemical Composition and Immunostimulating Activity of the Fermented Korean Ginseng (Panax ginseng C.A. Meyer) with Mushroom Mycelium by Solid Culture (균사체를 이용한 수삼 고체발효물의 화학적 조성 및 면역 활성)

  • Park, Chang-Kyu;Kim, Hoon;Tu, Qi;Yu, Kwang-Won;Jeong, Heon-Sang;Lee, Hyeon-Yong;Jeong, Jae-Hyun
    • Journal of the Korean Society of Food Science and Nutrition
    • /
    • v.38 no.9
    • /
    • pp.1145-1152
    • /
    • 2009
  • For the utilization of Korean ginseng (Panax ginseng C.A. Meyer) in the functional drink, we prepared the fermented Korean ginseng with mushroom mycelia (Ganoderma lucidum; WG-GL, Hericium erinaceum; WG-HE and Phellinus linteus; WG-PL) by solid culture. A proximate analysis showed that the fermented Korean ginseng contained significantly more crude fat (4.66$\sim$12.02%) than Korean ginseng (WG, 1.61%) whereas crude protein content of WG (13.64%) was higher value than those of the ferments (7.60$\sim$12.57%). When we also evaluated effects of the fermented Korean ginseng on the mitogenic activity, hot-water extract from WG-PL was significantly higher than those of WG or mycelia only fermentation (GL, HE and PL) as analyzed by IL-2 production (1.64-fold of the saline control) and proliferation of splenocytes (1.47-fold). In addition, the lysosomal phosphatase activity (WG-HE; 1.32-fold) and NO/TNF-$\alpha$ production (WG-HE; 2.27-fold of the saline control at 50 ${\mu}g$/mL, WG-PL; 3.56-fold, respectively) from macrophage in the presence of the fermented Korean ginseng were higher than those of WG or mycelia fermentation. These results indicate that hot-water extracts from the fermented Korean ginseng with mushroom mycelia by solid culture contain chemical ingredients different from the Korean ginseng, and that it might provide beneficial immunostimulating activity.

Characterization of Chemical Composition in Poplar wood (Populus deltoides) by Suppression of CCoAOMT Gene Expression (CCoAOMT 유전자 발현 억제에 의한 현사시나무의 화학조성 변화)

  • Eom, In-Yong;Kim, Kwang-Ho;Lee, Soo-Min;Yi, Yong-Sub;Choi, Joon-Weon
    • Journal of the Korean Wood Science and Technology
    • /
    • v.38 no.3
    • /
    • pp.213-222
    • /
    • 2010
  • In this study, chemical compositions - holocellulose, lignin and monomeric sugars - were characterized with two poplar wood cell walls, one of which was grown at normal condition (CPW) and the other was genetically modified by antisence suppression of CCoAOMT gene expression (ACPW). Milled wood lignins were isolated from CPW and ACPW and subjected to methoxyl group, DFRC, Py-GC/MS, GPC, $^{13}C$-NMR analysis, respectively. There were few differences in holocellulose contents in both cell walls, which were determined to 81.6% in CPW and to 82.3% in ACPW. However, lignin contents in ACPW was clearly decreased by the suppression of CCoAOMT gene expression. In CPW 21.7% of lignin contents was determined, while lignin contents in ACPW was lowered to 18.3%. The relative poor solubility of ACPW in alkali solution could be attributed to the reduction of lignin content. The glucose contents of CPW and ACPW were measured to 511.0 mg/g and 584.8 mg/g and xylose contents 217.8 mg/g and 187.5 mg/g, respectively, indicating that suppression of CCoAOMT gene expression could be also influenced to the formation of monomeric sugar compositions. In depth investigation for milled wood lignin (MWL) isolated from both samples revealed that the methoxyl contents at ACPW was decreased by 7% in comparison to that of CPW, which were indirectly evidenced by $^{13}C$-NMR spectra and Py-GC/MS. According to the data from Py-GC/MS S/G ratios of lignin in CPW and ACPW were determined to 0.59 and 0.44, respectively. As conclusive remark, the biosynthesis of syringyl unit could be further influenced by antisense suppression of CCoAOMT during phenylpropanoid pathway in the plant cell wall rather than that of guaiacyl unit.

Effects of Fermented Mixed Organic Fertilizer Utilizing By-Products on Soil Properties and the Yield of Organic Lettuce (부산물 활용 발효 유기질비료 처리에 따른 유기 상추 토양 특성 및 수량에 미치는 영향)

  • An, Nan-Hee;Lee, Sang-min;Hwang, Hyun-Young;Park, Sang-Gu;Lee, Cho-Rong
    • Journal of the Korea Organic Resources Recycling Association
    • /
    • v.29 no.3
    • /
    • pp.41-48
    • /
    • 2021
  • This study aimed to develop an alternative organic fertilizer to castor oil cake-based fertilizers. To assess the nutrient effect of the developed fermented mixed organic fertilizers, the yield of lettuce and soil characteristics after growth were analyzed and compared to those of a trial using a mixed expeller cake fertilizer. Two fermented mixed organic fertilizers, FA and FB, each containing 5.0% nitrogen, 2.6% phosphate, and 1.4% potassium, were produced by mixing different ratios of rice bran, dried distillers grains, sesame oil meal, and fish meal. This study was conducted with six trials: untreated, mixed expeller cake fertilizer, and the fermented mixed organic fertilizers FA and FB. Based on the amount of nitrogen fertilization (70 kg ha-1) on the lettuce, the fermented mixed organic fertilizers FA and FB were applied at 100% and 150%, respectively, and the mixed oil cake was applied at 100%. As the amount of treatment increased, there was no significant difference except the number of leaves in FA treatment. The yields from the FA100 and FB100 treatments were 38.2 and 40.8 Mg ha-1, respectively, which was not significantly different from that of the mixed expeller cake fertilizer treatment at 38.3 Mg ha-1. In addition, the nitrogen uptake and utilization efficiency of the lettuce were not significantly different between mixed expeller cake fertilizer and fermented mixed organic fertilizer treatments. Analysis of the chemical properties of the soil after the trial showed that he mixed expeller cake fertilizer treatment showed the lowest pH. There were no significant differences in electrical conductivity, content of soil organic matter, available phosphate, and exchangeable cation among the fertilizer treatments. However, the bacterial and actinomyces density was higher in the soil from the fertilizer trials than in the non-fertilizer trials. These results indicated that the two tested fermented mixed organic fertilizers had nourishing effects and soil characteristics that were similar to those of the mixed expeller cake fertilizer. Thus, farmers can use these fermented mixed organic fertilizers as alternatives to castor oil cakes for the cultivation of organic lettuce.

A Study on the Development of Textile Design Contents Reflecting The Cultural Characteristics of Multi-cultural Society - Focused on Folk Paintings in China, Vietnam and Japan - (다문화사회의 문화적 특성을 반영한 텍스타일디자인 콘텐츠 개발 연구 - 중국, 베트남, 일본의 민화를 중심으로 -)

  • Park, Sang Oh
    • Korea Science and Art Forum
    • /
    • v.30
    • /
    • pp.119-127
    • /
    • 2017
  • Multi-cultural societies in the era of globalization are now common phenomena all over the world. Since our country has already entered into a multi-cultural society, we can no longer stay in the ideology of a single nation. However, current national policies and researches related to multi-cultural society in Korea are limited to institutional aspects and unilateral education of Korean culture. Therefore, this study aims to overcome these practical limitations. The purpose of this study is to acquire design resources in the folk paintings reflecting the culture of each country. And We will develop textile design content that can be applied to most closely related textile products in daily life. Through this, it is aimed to raise awareness of various cultures and to suggest a communication method through cultural exchange. Therefore, this study has developed color and textile pattern design contents through analysis of characteristics of China, Vietnam, and Japan peoples of the three most frequent countries based on the status of domestic marriage immigrants. And tried to apply it immediately to various textile products. The results and contents of the study are as follows. First, the domestic multi-cultural society was formed through international marriage, and the largest number of marriage immigrants came from China, Vietnam, Japan, the Philippines, Cambodia, Thailand, Mongolia and others. Second, folk paintings are suitable for developing textile design contents as an important factor implied by different cultures of different countries. Thirdly, we have developed the pattern and coloring DB and textile pattern design contents by using folk paintings of China, Vietnam and Japan. As a result, we could verify the utilization of contents reflecting the cultural characteristics of each country and the possibility of commercialization. Based on the results of this research, we hope to contribute to the harmonization of the emotional and artistic aspects that naturally share the culture among multi-cultural society members and to develop differentiated related products.