• Title/Summary/Keyword: credit score

Search Result 88, Processing Time 0.027 seconds

Development of Functional Fishing Field Game for the Elderly Based on Virtual Reality (가상현실 기반 고령자를 위한 기능성 낚시터 게임 개발)

  • Kim, Min-jeong;Kim, Young-june;Oh, Ha-hyun;Lee, Chung-ho
    • Proceedings of the Korean Institute of Information and Commucation Sciences Conference
    • /
    • 2021.05a
    • /
    • pp.308-311
    • /
    • 2021
  • This paper describes the development of a functional game for preventing dementia for the elderly based on virtual reality. The game was developed using the Unity 3D engine to create a fishing spot, a virtual reality space. In consideration of the fact that the object of the game is an elderly person relatively unfamiliar with the virtual reality, the number of operation buttons is minimized and the sense of resistance and fatigue are reduced by an intuitive game configuration. In addition, the game was designed to give people a sense of accomplishment with a score system after the game, and to encourage them to participate in the game Overall, the developed game consists of main, interface, stage, score, TTS, tutorials, and ending credit. Each category stage is divided into three stages and realized in one integrated environment, and VRHMD can be used to games that enhance memory, attention, and judgment.

  • PDF

Employment Effectiveness of Innovation-certified SMEs and General SMEs: A Comparative Analysis (혁신인증 중소기업과 일반 중소기업의 고용효과 비교·분석)

  • Lee, Jun-won
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
    • /
    • v.17 no.3
    • /
    • pp.257-267
    • /
    • 2022
  • The employment effect of innovation-certified SMEs (venture certification, inno-biz certification and main-biz certification) and general SMEs was compared and analyzed. Through propensity score matching, general SMEs with similar tendencies to SMEs for each innovation certification were selected. The employment effect was approached from two perspectives: the absolute employment effect, the employment growth rate, and the relative employment effect, the sales-employment coefficient. As a result of the analysis, it was confirmed that venture certified SMEs and inno-biz certified SMEs, which are technology innovation-type certifications, have an advantage in absolute employment effect. In addition, it was concluded that innovation-certified SMEs have more room for employment than general SMEs by achieving sales growth that exceeds employment growth. Therefore, there is a possibility to enhance the employment effect of innovation-certified SMEs by strengthening employment-related incentives for innovation-certified SMEs.

The Impact of Financial Inclusion on Financial Stability in Asian Countries

  • PHAM, Manh Hung;DOAN, Thi Phuong Linh
    • The Journal of Asian Finance, Economics and Business
    • /
    • v.7 no.6
    • /
    • pp.47-59
    • /
    • 2020
  • This paper intends to explore the relationship between financial inclusion and financial stability under the scope of Asian economies. The linkage will be thoroughly investigated with country-level and bank-level data of 42 countries in three separate years: 2011, 2014, and 2017. In this study, an inclusive financial system is assessed by two dimensions: usage of financial services and access to the financial system. Usage of financial services ranges from account to credit, savings and payment services. Access to financial system measures the financial outreach where individuals can use financial services. Meanwhile, financial stability, which proxied by Bank Z-score is regarded as the dependent variable. We apply fixed effects regression and random effects regression to capture the impacts of financial inclusion upon financial stability. To enhance the robustness of the model, the Feasible Generalized Least Squares (FGLS) regression is therefore adopted as the solution for the random effects regression. The empirical findings exhibit an overall weak positive influence of financial inclusion on financial stability. The research results also provide both financial institutions and governments with insightful information, which helps them to have an appropriate financial development strategy, improve the regulatory framework and consequently enhance financial stability for the whole system.

Factors Influencing the Professional Self-Concept among Nursing Students (간호학생의 간호전문직 자아개념과 임상실습만족, 자아존중감 간의 관계)

  • Sung, Mi-Hae
    • Journal of East-West Nursing Research
    • /
    • v.18 no.1
    • /
    • pp.18-24
    • /
    • 2012
  • Purpose: The purpose of this study was to identify the factors influencing nursing students' professional self-concept. Methods: This study was conducted through a survey on 365 nursing students. The data were collected by self-reporting questionnaires and analysed by the SPSS WIN 17.0 program using descriptive statistics, t-test, ANOVA, Pearson correlation coefficient and stepwise multiple regression. Results: The mean score of professional self-concept was 2.83. Professional self-concept showed that there were differences according to grade, satisfaction on college life, motivation on choice of nursing, satisfaction on nursing, school work credit, interpersonal relationship, health status. There was a significant positive correlation between professional self-concept and between satisfaction with clinical practice. Significant positive correlations between professional self-concept and self-esteem, satisfaction with clinical practice and self-esteem were found. The significant factors influencing professional self-concept were self-esteem, satisfaction on clinical practice, satisfaction on nursing, interpersonal relationship, which explained 45.1% of the variance. Conclusion: This study suggests that a strategy increasing self-esteem is needed to enhance nursing students' professional self-concept.

Economic stress perception of farm households′ wives and related variables in Korea (농가 주부의 경제적 스트레스 지각수준과 관련 변수)

  • 노자경
    • Korean Journal of Rural Living Science
    • /
    • v.7 no.2
    • /
    • pp.139-152
    • /
    • 1996
  • The objectives of this study are : (1) to measure the level of economic stress perception in Korean farm households. (2) to identify the effects of related variables such as socio-demographic variables and economic stability. The data from 505 farm households' wives was analyzed using statistical methods such as frequency, correlation, oneway ANOVA, lease significant difference test, and stepwise multiple regression. The major findings are as follows : The mean value of economic stress perception on the 505 wives was 33.5 points out of a possible 100. Among 3 subsectors, income stress perception had highest score. Socio- demographic variables such as family size, type of farm household, financial manager, debt, credit . grant assistant, wife's age, and educational level of the wife had a significant difference on the economic stress perception of wives in the ANOVA analysis. So did the objective and subjective evaluation of economic stability. As a result of multiple regression analysis, economic stability, debt presence, and wife age were verified explaining 23% of the variance of economic stress perception. Therefore, it can be said that farm wives had relatively high economic stress perception in the case of low economic stability, getting into debt and low age.

  • PDF

Face Recognition using 2D-PCA and Image Partition (2D - PCA와 영상분할을 이용한 얼굴인식)

  • Lee, Hyeon Gu;Kim, Dong Ju
    • Journal of Korea Society of Digital Industry and Information Management
    • /
    • v.8 no.2
    • /
    • pp.31-40
    • /
    • 2012
  • Face recognition refers to the process of identifying individuals based on their facial features. It has recently become one of the most popular research areas in the fields of computer vision, machine learning, and pattern recognition because it spans numerous consumer applications, such as access control, surveillance, security, credit-card verification, and criminal identification. However, illumination variation on face generally cause performance degradation of face recognition systems under practical environments. Thus, this paper proposes an novel face recognition system using a fusion approach based on local binary pattern and two-dimensional principal component analysis. To minimize illumination effects, the face image undergoes the local binary pattern operation, and the resultant image are divided into two sub-images. Then, two-dimensional principal component analysis algorithm is separately applied to each sub-images. The individual scores obtained from two sub-images are integrated using a weighted-summation rule, and the fused-score is utilized to classify the unknown user. The performance evaluation of the proposed system was performed using the Yale B database and CMU-PIE database, and the proposed method shows the better recognition results in comparison with existing face recognition techniques.

General Disaster Scattered Action Research -Focusing On the Construction Site Accident Cases- (일반재해 발생시 산재처리 방안연구 -건설현장 사고사례를 중심으로-)

  • Yoo, Yong Tae;Kang, Kyung-Sik
    • Journal of the Korea Safety Management & Science
    • /
    • v.17 no.4
    • /
    • pp.23-33
    • /
    • 2015
  • Recently, the Ministry of Employment and Labor Management is a trend to strengthen all men death rate than the accident rate. Points reduction in the accident rate change orders related to credit rating score to +2 points in his plans as part of +1 point. In addition, according to the fancy linger RISK treatment in the event of a disaster site and fiction treatment to achieve accident-free during processing the scene interspersed with equity issues have been raised. In general disaster for the problem in the first two cases occurs when abnormal process according to the disaster site manager positions dismissal policy, each division headquarters itself, interspersed disasters performance compared to processing in accordance with the refrain, processing expenses in accordance with the composition of untreated industrial accident, costs and burdens partners FTC, there is a possibility that the issues raised, such as the Ministry of Employment and Labor. In response to domestic social practices focused on the construction site practices and prevention measures should be evaluated with respect to what.

A Study on the Evaluation of Bibliographic Instruction with Reference to the Effectiveness Differences among College Student Groups (도서관 이용교육 효과의 집단별 차이에 관한 연구)

  • Chang Hye Rhan
    • Journal of the Korean Society for Library and Information Science
    • /
    • v.17
    • /
    • pp.261-273
    • /
    • 1989
  • The study attempted to determine if the effectiveness of bibliographic 'instruction would be different among student groups, divided by grade levels, major areas of study, and the level of library skills posessed before the instruction. The focal point of the investigation was the degree of improvement demonstrated by the changes in mean score of each group after taking bibliographic instruction. Sangmyong Women's University students who have taken the bibliographic instruction course for credit were the subjects of the study. Students' library skills were measured prior to the bibliographic instruction and post-test was followed. And the measured was based on the 'Library skills Test' developed by the Illinois Association of College and Research Libraries. Three hypotheses in the study were tested statistically by ANOVA. The followings are the results of the analysis: (1) There were no significant differences in bibliographic instruction effectiveness among student groups divided by grade levels; (2) There were significant differences (p<.01) in bibliographic instruction effectiveness among student groups divided by major areas of study. Bibliographic instruction was more effective for humanities or social sciences majors than for performing arts or physical education majors; (3) There were significant differences (p<.001) in bibliographic instruction effectiveness among student groups divided by the initial library skills. Obviously, bibliographic instruction was more effective for the students in bottom quartile than those in top quartile or middle quartiles. Finally, limitations of the study, recommendations based on the results and area for future research are briefly examined.

  • PDF

Bank Capital, Efficiency and Risk: Evidence from Islamic Banks

  • ISNURHADI, Isnurhadi;ADAM, Mohamad;SULASTRI, Sulastri;ANDRIANA, Isni;MUIZZUDDIN, Muizzuddin
    • The Journal of Asian Finance, Economics and Business
    • /
    • v.8 no.1
    • /
    • pp.841-850
    • /
    • 2021
  • This study aims to evaluate the relationship between bank capital, efficiency, and risk in Islamic banks. We use data from 129 Islamic banks in the world, retrieved from various data sources. We retrieved specific banking data from Moody's Analytics BankFocus and Thomson Reuters Eikon, while data at the country level was obtained from the World Bank website. This study uses various estimates both Pooled OLS (Ordinary Least Square) and Random Effect (RE). However, to overcome the issue of serial correlation which could cause bias in the results of the study, we used fixed-effect (FE) cluster estimates. The research results confirm the previous findings that bank capital positively affects bank stability (natural logarithm of Z-Score) and negatively affects credit risk (loan loss provision to total liabilities). The findings also show that efficiency has the same effect. The interaction test of bank capital and efficiency shows that efficiency encourages banks to reduce risk, including when bank capital is relatively lower. This finding is expected to have implications for the authorities to boost bank efficiency in addition to establishing several regulations related to capital. The efficiency implemented by the bank will encourage banks to act prudently so that the bank can maintain its performance through risk mitigation.

An Empirical Study of Financial Inclusion and Financial System Stability in ASEAN-4

  • NA'IM, Hadi;SUBAGIARTA, I Wayan;WIBOWO, Rudy;WARDHONO, Adhitya
    • The Journal of Asian Finance, Economics and Business
    • /
    • v.8 no.7
    • /
    • pp.139-150
    • /
    • 2021
  • The financial system is a relatively important sector in the economy of a country. Its role in providing access to financial services to people is able to support a better economy. The main problem in this financial system is caused by the barriers that prevent individuals or companies from accessing these financial services. This study aims to empirically analyze the relationship financial inclusion and financial system stability in ASEAN 4 (Indonesia, Malaysia, Thailand, and The Philippines). Financial inclusion proxied by the financial inclusion through credit variable and other banking variables such as the number of financial services access, banking asset, and financial system stabilization is seen from banking performance through non-performing loan and Z score instruments. Empirically, the study uses panel data in the form of annual data for 2005-2016. The method used Panel VAR. The result shows that financial inclusion affects the stability of the financial system in ASEAN 4. This indicates that financial development through financial inclusion can encourage stability of the financial system in ASEAN 4. In this globalization era, the integrated financial system is increasing, this research shows the importance of developing financial inclusion by eliminating barriers to financial exclusion.