• The Journal of the Convergence on Culture Technology
• /
• v.9 no.1
• /
• pp.755-761
• /
• 2023

As digital transformation accelerates, the proportion of non-face-to-face services in financial services is also increasing. Recently, user experience has emerged to secure competitiveness in mobile services, and analysis techniques to improve user experience have emerged. User review data, one of the data used for quantitative evaluation, contains a lot of unnecessary information, which is time-consuming to derive improvement directions. Therefore, this study aims to develop a UX analysis system based on the hierarchy of UX needs by using a cosine similarity algorithm and analyze user review data of Kookmin Bank, Woori Bank, Kakao Bank, and Toss for verification. This study proved that the developed UX analysis system is a system that can effectively analyze UX through the analysis of user review data. The system of this study is expected to be easily used to identify improvement plans for the hierarchy of UX needs in an agile organization that needs to quickly reflect customer feedback.

• Journal of Preventive Medicine and Public Health
• /
• v.57 no.1
• /
• pp.65-72
• /
• 2024

Objectives: Protecting people against financial hardship caused by illness stands as a fundamental obligation within healthcare systems and constitutes a pivotal component in achieving universal health coverage. The objective of this study was to analyze the prevalence and determinants of catastrophic health expenditures (CHE) in Iran, over the period of 2013 to 2019. Methods: Data were obtained from 7 annual national surveys conducted between 2013 and 2019 on the income and expenditures of Iranian households. The prevalence of CHE was determined using a threshold of 40% of household capacity to pay for healthcare. A binary logistic regression model was used to identify the determinants influencing CHE. Results: The prevalence of CHE increased from 3.60% in 2013 to 3.95% in 2019. In all the years analyzed, the extent of CHE occurrence among rural populations exceeded that of urban populations. Living in an urban area, having a higher wealth index, possessing health insurance coverage, and having employed family members, an employed household head, and a literate household head are all associated with a reduced likelihood of CHE (p<0.05). Conversely, the use of dental, outpatient, and inpatient care, and the presence of elderly members in the household, are associated with an increased probability of facing CHE (p<0.05). Conclusions: Throughout the study period, CHE consistently exceeded the 1% threshold designated in the national development plan. Continuous monitoring of CHE and its determinants at both household and health system levels is essential for the implementation of effective strategies aimed at enhancing financial protection.

• Journal of The Korean Society of Grassland and Forage Science
• /
• v.12 no.3
• /
• pp.30-40
• /
• 1992

The area of grassland established and the arable land in forage production have been decreased recently in Korea. As a result, forages available from the grassland and the arable land provided only 40% of the total roughage consumed by cattle in 1991, compared with 54% in 1989. The decreasing trend of the forage production has been impinged on by a number of legislative. socio-economic. technical and other constraints negatively affecting grassland and forage development. Consequently. effective systems and strategies are quite necessary to have sustainable grassland farming in Korea. In spring and autumn, temperatures are too low for subtropical forage crops, and the summer monsoon climate is another serious limitation to the use of cool-season species. Therefore it is an imperative that not only the research-based grassland development but also the forage crop production should be strongly supported by the government authorities to overcome such climatic limitations. Private forest land holdings are of relatively small units in Korea. Accordingly. it is necessary and important to enlarge the forest land holdings per farm to develop as economic units of grassland. For this the government should introduce new policy measures such as for example: long-term leases of Sorest land and the idle arable land of absentee owners ; rational rental system of national and public forest lands; integrating livestock and forest production. All the laws and regulations standing in the way of the grassland development in forest lands should be modified and revised to open the way for much easier development of grassland. It is also proposed that a high level of financial incentives -hould be provided for structural improvements for the grassland development. They may be: mechanization facilitation, construction of new roads relating to grassland, and land exchange and consolidation. And it is basically necessary that financial enumeration or profits must be garanteed in order to motivate farmers to keep up farming continuously. For more efficient grassland development in mountainous areas, reorganization of Alpine Experiment Station and NAB1 Namwon Branch Station may be needed. Research should be strengthened for completion of pasture mixtures, development of maximum forage production methods with a view to saving labor and reducing production costs, introduction of grazing and forage conservation techniques. and utilization of rice straw as more palatable and nutritious forage source. In order to have more efficient and effective transfer of advanced forage production technologies to livestock farmers the user-clients. it is also essential that special training measures should be given to livestock farmers through making greater use of specialized research and extension workers.

• Journal of Agricultural Extension & Community Development
• /
• v.11 no.2
• /
• pp.343-358
• /
• 2004

The purposes of this study were to draw out the situational problems of the community based NGO (Non Governmental Organization) movement and to suggest development strategies for NGO movement in Korea. The study was conducted through extensive review of literature and analysis of the related data. The major findings of this study were as follows; As the development of democracy and localization process were in progress, the community based NGO movement was also developing quantitatively, however not yet qualitatively. The NGO Times Net, a internet newspaper for NGOs revealed that the number of community based NGO was 3,397 as in 2004, which was 5 times larger than 597 central based or Seoul located NGOs. However, some of the problems identified were lower participation of local people, quality of the movement compare to the original purposes of the movement, and the problems in local leadership, etc. In order to overcome various problems, this study suggested some strategies for development such as enhancement of civil education, expansion of voluntary spirits, financial support for NGOs, better mutual understanding among the GOs (Government Organizations), POs(Profit Organizations) and NGOs. Self evaluation and innovative strategies will be needed for further development of NGO movement in Korea.

• Journal of Agricultural Extension & Community Development
• /
• v.6 no.1
• /
• pp.43-54
• /
• 1999

Taiwan has plural agricultural education system and has accelerated its social and economic growth through Agricultural Extension Education. This study has been carried out centering around the work plans which analyzed the project of cultivating young farmers supported by the Republic of China Government. Taiwan has promoted administrative and financial support systems with the government as the central figure in order to equip the efficient and continuous development system of agricultural human resources for securing agricultural skilled personnel, developing farmers' organizations and cultivating young farmers that can cope with the open world. The main training programs are for developing farmers' organizations and they are as follows. 1) The Agricultural Production and Marketing Group(APMG) 2) Expert Farming Training Program for Rural Youth 3) Agricultural Extension Service Worker Training Program 4) Rural Youth Development Program 5) School 4-H Club Activities for Student Development Program 6) International Rural Youth Exchange Program Development 7) Agricultural Extension Education Program for Minority People 8) Job Change Training Program for Rural People The training programs are organized for all the rural residents and students to develop their individual careers systematically and continuously, and they are very encouraging in whole development. Also they offer us many suggestions.

• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.6
• /
• pp.73-84
• /
• 2020

The paper investigates the effect of the factors on the disclosure of sustainable development information of enterprises. The research sample includes 120 manufacturing companies listed on Vietnam stock market in 2019. This research uses ordinary least squares (OLS) to address econometric issues and to improve the accuracy of the regression coefficients. The empirical results show that five variables have a statistically significant positive effect on disclosure of sustainable development information of manufacturing companies, including firm size (SIZE), independence of board of directors (BOD), foreign ownership (FRO), return on equity (ROE), and financial leverage (LEV). The results indicate that state ownership (STO) has a statistically significant negative effect on disclosure of sustainable development information of manufacturing companies listed on Vietnam stock market. Besides, the research results also show there is a large difference in the disclosure of sustainable development information between listed companies in Vietnam, those of other emerging economies in the region, and the companies in developed markets. Therefore, this paper provides a new insight to managers and related parties on how to improve the firm's sustainability disclosure to bring benefit for the firm itself and the stakeholders by reasonable decisions about the factors that affect disclosure of sustainable development information.

• Korean Journal of Organic Agriculture
• /
• v.14 no.4
• /
• pp.361-383
• /
• 2006

The works of the special economic zone for regional development(SEZone) have been promoted for developing the regional economy corresponding with its own peculiarities by not national, but local level of government. Namely, those set the goal at specialized development of regions through an appeasement policy against regulations. So local governments. must originate the local works, get financial sources by itself, and then revitalize the regional economy. The policies of many local governments aim at increasing farmers' income by developing rural society to cope with open economy system. By the way they have tried to revitalize agriculture and rural society by promoting actively the works of SEZone through an appeasement policy against regulations. And it is important to search for specialized factors based on regional resources, and to make connected with them together so as to obtain good results in the works of SEZone. This study examined regulations related to environmentally friendly agriculture and green tourism. And it researched about the effect of SEZone works on regional economy and develops indices of result estimation. So schemes for strategies for increasing demand and development issues were presented.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.2
• /
• pp.77-88
• /
• 2021

The stock markets in the BRICS (Brazil, Russia, India, China and South Africa) countries are the leading emerging markets globally. Therefore, it is pertinent to ascertain the critical drivers of stock market development in these economies. The currrent study empirically investigates to identify the linkages between stock market development, key macro-economic factors and institutional factors in the BRICS economies. The study covers the time period from 2000 to 2017. The dependent variable is the country's stock market development and the independent variables consist of six macroeconomic variables and five institutional variables. The study employs a panel cointegration test, Fully Modified OLS (FMOLS), a Pooled Mean Group (PMG) approach and a heterogeneous panel non-causality test.The findings of the study indicate co-integration among the selected variables across the BRICS stock markets. Long-run estimations reveal that five macroeconomic variables and four variables related to institutional quality are positive and statistically significant. Further, short-run causalities between stock market capitalization and selected variables are detected through the test of non-causality in a heterogeneous panel setting. The findings suggest that policymakers in the BRICS countries should enhance robust macroeconomic conditions to support their financial markets and should strengthen the institutional quality drivers to stimulate the pace of stock market development in their countries.

• The Journal of Asian Finance, Economics and Business
• /
• v.10 no.2
• /
• pp.91-97
• /
• 2023

In the current era of globalization, financial and banking organizations have been facing ever-growing challenges in the global market regarding retention, customer satisfaction, commitment, engagement, proper services, and the belief of their employees. Employees are regarded as an enormous asset for every organization that plays an important role in achieving the vision of the company. The objective of this study is to explore the determinants of bank employee retention and its impact on an organization in the context of Bangladesh. In terms of research purpose, non-probability convenience sampling has been used in this study, and the targeted population was the commercial bank employees of Bangladesh. In terms of data collection, the researchers have used the adopted questionnaires from previous studies. In this study, the total sample size was 180, and a questionnaire was sent to the respondents through e-mails. For analyzing the collected data, SPSS 26.0 version has been used to test the study model and the proposed hypotheses. This study shows that there were four independent variables training and development, organizational culture, job satisfaction, and career development have a positive and significant impact on employee retention. So, the bank management should organize the retention program for the welfare of the employees.

• Journal of Intelligence and Information Systems
• /
• v.21 no.3
• /
• pp.79-99
• /
• 2015

The prediction of bankruptcy has been extensively studied in the accounting and finance field. It can have an important impact on lending decisions and the profitability of financial institutions in terms of risk management. Many researchers have focused on constructing a more robust bankruptcy prediction model. Early studies primarily used statistical techniques such as multiple discriminant analysis (MDA) and logit analysis for bankruptcy prediction. However, many studies have demonstrated that artificial intelligence (AI) approaches, such as artificial neural networks (ANN), decision trees, case-based reasoning (CBR), and support vector machine (SVM), have been outperforming statistical techniques since 1990s for business classification problems because statistical methods have some rigid assumptions in their application. In previous studies on corporate bankruptcy, many researchers have focused on developing a bankruptcy prediction model using financial ratios. However, there are few studies that suggest the specific types of bankruptcy. Previous bankruptcy prediction models have generally been interested in predicting whether or not firms will become bankrupt. Most of the studies on bankruptcy types have focused on reviewing the previous literature or performing a case study. Thus, this study develops a model using data mining techniques for predicting the specific types of bankruptcy as well as the occurrence of bankruptcy in Korean small- and medium-sized construction firms in terms of profitability, stability, and activity index. Thus, firms will be able to prevent it from occurring in advance. We propose a hybrid approach using two artificial neural networks (ANNs) for the prediction of bankruptcy types. The first is a back-propagation neural network (BPN) model using supervised learning for bankruptcy prediction and the second is a self-organizing map (SOM) model using unsupervised learning to classify bankruptcy data into several types. Based on the constructed model, we predict the bankruptcy of companies by applying the BPN model to a validation set that was not utilized in the development of the model. This allows for identifying the specific types of bankruptcy by using bankruptcy data predicted by the BPN model. We calculated the average of selected input variables through statistical test for each cluster to interpret characteristics of the derived clusters in the SOM model. Each cluster represents bankruptcy type classified through data of bankruptcy firms, and input variables indicate financial ratios in interpreting the meaning of each cluster. The experimental result shows that each of five bankruptcy types has different characteristics according to financial ratios. Type 1 (severe bankruptcy) has inferior financial statements except for EBITDA (earnings before interest, taxes, depreciation, and amortization) to sales based on the clustering results. Type 2 (lack of stability) has a low quick ratio, low stockholder's equity to total assets, and high total borrowings to total assets. Type 3 (lack of activity) has a slightly low total asset turnover and fixed asset turnover. Type 4 (lack of profitability) has low retained earnings to total assets and EBITDA to sales which represent the indices of profitability. Type 5 (recoverable bankruptcy) includes firms that have a relatively good financial condition as compared to other bankruptcy types even though they are bankrupt. Based on the findings, researchers and practitioners engaged in the credit evaluation field can obtain more useful information about the types of corporate bankruptcy. In this paper, we utilized the financial ratios of firms to classify bankruptcy types. It is important to select the input variables that correctly predict bankruptcy and meaningfully classify the type of bankruptcy. In a further study, we will include non-financial factors such as size, industry, and age of the firms. Thus, we can obtain realistic clustering results for bankruptcy types by combining qualitative factors and reflecting the domain knowledge of experts.