• 제목/요약/키워드: financial institution of the poor

검색결과 11건 처리시간 0.027초

The Impact of Microfinance on Households' Socioeconomic Performance: A Proposed Mediation Model

  • ABDULLAH, W Muhammad Zainuddin B Wan;ZAINUDIN, Wan Nur Rahini Aznie Bt;ISMAIL, Sarina Binti;HAAT, Mohd Hassan Che;ZIA-UL-HAQ, Hafiz Muhammad
    • The Journal of Asian Finance, Economics and Business
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    • 제8권3호
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    • pp.821-832
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    • 2021
  • Economic deprivation of households remains a significant economic issue in the world. Researchers have shown great concern in identifying crucial factors to enhance poor households' socio-economic performance. Therefore, this paper aims to develop a new conceptual framework to investigate the influence of different microfinance services on households' socioeconomic performance using moderated mediation analysis of various crucial factors. Focus-group interviews with managements of the microfinance institution, i.e. Amanah Ikhtiar Malaysia (AIM), and a systematic literature review were conducted for this purpose, and a new framework for the future study has been developed. The result from focus-group interviews and systematic literature review propose microfinance financial services, training programs, and business coaching as independent factors, whereas household socioeconomic performance as a dependent factor in the proposed model. Specifically, this study provides the direction to scholars to empirically test the direct relationship between financial services and household socioeconomic performance and the indirect relationship between training programs, business coaching, and household socioeconomic performance. Further, microfinance institutions' service efficiency is also included as a moderator that can strengthen microfinance services' effectiveness. The study also provides useful implications for policymakers, financial institutions, households, micro-enterprises, and researchers to better understand microfinance interventions and household economic mechanisms.

사교육서비스 분야에서의 BSC 모델 개발 및 전략실행방안에 관한 연구 (A Study on BSC development and Strategy execution plan for Private education service field)

  • 정민의;유성진
    • 품질경영학회지
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    • 제42권3호
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    • pp.425-444
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    • 2014
  • Purpose: This study aims to overcome the problem of private education market environment which is polarized into commercialized large private education institutions and small and medium sized private education institutions in a poor business environment, and develop systematic performance measurement model applicable for small and medium sized private education institutions. Methods: To develop the BSC which measures financial and non-financial indicator in a balanced manner and introduce the BSC into private education institutions that contain conflicting goals "EDUCATION" and "PROFIT". In particular, Utilizing the methodology of AHP, the priority of strategies and execution assignments are derived. Results: BSC model was developed and introduced by cooperating with executives of the private education institution. Moreover, the study permits to achieve the strategy, enterprise-wide vision and mission by deriving strategy map and applying it to the private education institution. To measure the performance of BSC model instruction, KPI corresponding to the strategic objectives of each perspective was derived. Conclusion: BSC model generally introduces to large-sized companies and public institutions. In this study, BSC model is developed by focusing on small and medium sized private institution. Furthermore, this study is more than simple model development, it makes a connection with achievement of strategic objectives, enterprise-wide vision and mission through strategy map and strategy execution method. Through the developed BSC model and strategy execution method, utilization plan in practice and customized model for private education institutions coexisting profit and non-profit objectives were developed, and academic implications were presented.

ACE 사업에 참여한 대학도서관 프로그램 사례분석 및 개선방안 연구 (A Study on the Analysis and Improvement of the University Library Program Participating in ACE Project)

  • 오선경
    • 한국문헌정보학회지
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    • 제56권4호
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    • pp.335-356
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    • 2022
  • 대학은 교육 및 연구 활동을 통하여 민주시민으로서의 소양과 자질을 구비한 전문 인력을 양성하고 지식을 축적·창출하여 국가와 사회발전에 기여한다. 이를 위하여 정부는 대학재정지원사업을 통하여 대학의 기본 역량을 향상시키고 자율적 혁신을 지원하고 있다. 재정지원사업은 공정한 평가를 통하여 비교 우위에 있는 대학에 한정된 정부의 재정을 차등 지원하므로 대학의 경쟁력을 강화하기 위해서는 교육과 연구를 지원하는 교육기본시설이자 핵심기관인 대학도서관의 역할과 기능이 중요하다. 하지만 대학도서관은 재정 및 인력 부족, 시설·설비·공간 등의 열악한 환경, 학생들의 참여율 저조 등의 이유로 정부의 재정지원사업에 적극적으로 참여하지 못하고 있다. 이에 본 연구는 ACE 사업(2010-2016)에 선정된 45개 대학 가운데 도서관이 참여한 18개 대학도서관의 프로그램 운영사례를 조사·분석하여 문제점과 시사점을 도출하고 담당 사서를 대상으로 대학도서관의 역할과 성과 등을 설문 조사하였다. 그 결과를 바탕으로 앞으로 정부의 대학재정지원사업에 대비하여 대학도서관이 고려해야 할 전략과 방안을 제안하였다.

Determinants of Retail Banking Efficiency: A Case of Vietcombank Branches in the Mekong-Delta Region

  • LE, Thi Thu Diem
    • The Journal of Asian Finance, Economics and Business
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    • 제7권7호
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    • pp.439-451
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    • 2020
  • This study focused on researching the factors affecting retail banking efficiency of Vietcombank branches in the Mekong-Delta region. By collecting data from financial statements from 15 branches of VCB in the Mekong-Delta Region between 2015 and 2018, the paper applies DEA estimation to measure the effectiveness of retail banking activities and uses the Tobit regression model to identify factors affecting retail banking efficiency. The results demonstrate that the retail banking efficiency of branches averaged 52.5% during the period. The rating result shows the branches in An Giang, Can Tho, Dong Thap, Kien Giang, Long An, Phu Quoc and Tra Noc rank at the top technical efficiency. In group of medium efficiency, there are branches in Soc Trang, Tien Giang and Vinh Long. In the category of the poor efficiency are the branches in Bac Lieu, Ben Tre, Ca Mau, Chau Doc and Tra Vinh. The results also show that bank scale-related factors, capital adequacy, credit quality, time specific and region impact significantly the retail banking efficiency. The research not, only contributes to enriching the empirical research method but also is significant for the management activities in business developing strategies, improving the operational efficiency of Vietcombank in the region.

Y의료원의 물류 공급체계 중앙화 관리에 대한 연구 (A Study of an effective centralization of medical supply system. In Y University Medical Center)

  • 권순창;김영수
    • 한국병원경영학회지
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    • 제4권1호
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    • pp.1-20
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    • 1999
  • Since the late 1980s, there have been radical changes in the managerial environment of Y University Medical Center(YUMC). Externally, the competition among hospitals has intensified due to the establishment of universal health insurance in 1939 and the entrance of large enterprises into the health care industry in the early 1990s. In addition, government regulation of medical institution is becoming stricter. Also, consumer groups have continued to demand the respect for patient rights and improvement of the quality of medical services. Internally, the financial condition of YUMC has worsened, not only because weak control and poor mediation in its large-scale structure have made its operation inefficient, but also because the rates of increase in the prices of goods and labor have grown faster than any increases in revenues. This study on materials management at YUMC presents a way for YUMC to reduce costs and increase its productivity, thereby overcoming its financial difficulties and dealing with external pressures. This study utilized the case studies of the materials purchasing and medical supply management in the United States and the comparative analysis of management to suggest short-term and long-term alternatives for innovation in YUMC. The goals of the short-term alternatives for innovation are to centralize the purchasing and supply departments and to simplify the decision-making processes. Through these attempts, it is estimated that YUMC's costs could be reduced by $600,000 per year. In the long-term, it is necessary to consider introducing a Supply Processing Distribution(SPD) system and setting up a centralized electronic system for supply and inventory management, although it is difficult to estimate the effect of cost-cutting because of the lack of analysis data. Thus, YUMC should thoroughly analyze initial investment costs and economical efficiency generated from long-term alternatives.

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천주교 대전교구의 기록관리 : 개선안 및 기록물 정리 방안 (The Records and Archives management of the Catholic Daejon Diocese : Focused on the case of the Archival Arrangement and the Ways of Improvement)

  • 하종희
    • 기록학연구
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    • 제4호
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    • pp.63-91
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    • 2001
  • This study is intended to examine the existing condition of records and archives management and seek its improvement and progress on a concrete model of Daejon Diocese as a kind of case study, because it is necessary to recognize the importance of records and archives management and to develop the records and archives management system. Daejon Diocese which has the catholic jurisdiction covering the areas of Daejon city and Chung Cheong Nam - Do province, celebrated the 40th anniversary of the diocese in 1998. At that, time, the authority of Daejon Diocese claimed to establish its church history institution and to plan the publication of "40 years history of Daejon Diocese". However, its publication could not be achieved until now for several reasons. Since my search for the cause of this situation, I immediately recognized that the lack of materials might be a common condition in almost all of the associations, especially with respect to management, preservation and access of the records and archives. The records in the archival repository of Daejon Diocese have been considerably lost because of the past intemperate destruction and these records have just piled for long time without any reasonable disposal programme. Therefore, in these poor conditions, it is inevitable to delay the publication of "40 years history of Daejon Diocese." This thesis deals with the archival arrangement and the ways of improvement by means of studying the records and archives management, as the essential issues. The archival arrangement based on the principle of provenance, the date of creation, and form division. The methods of improvement include the preservation environment, the scope of archives, archival staff, disposal and so on. Records have the legal and social value after being produced and they can remain as historical and cultural inheritances under the excellent condition of management and preservation. However, in examining the case of the management and preservation of records and archives in Daejon Diocese, I understand that it will need considerable time, man power, and financial cost in order to maintain the desirable level of records and archives management system Therefore, it is a important step for Catholic Daejon to recognize the necessity of the change over records and archives management.

정부정책과 신협: 신협법의 제정과 개정을 중심으로 (Government intervention and the growth of Korea credit union)

  • 최진배;권오혁
    • 산업혁신연구
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    • 제34권3호
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    • pp.301-336
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    • 2018
  • 본 연구는 정부의 신협 관련 정책을 검토하고 그 성과를 분석한다. 돌이켜 보면 정부는 신협이 신협법 제정을 요구할 때부터 조합원들이 어떻게 하면 스스로의 힘으로 경제적 및 사회적 지위를 제고할 수 있을까 하는 데에는 별다른 관심을 기울이지 않았다. 정부의 주된 관심은 오히려 어떻게 하면 신협을 우리 경제가 당면한 사회경제 문제를 해결하는데 이용할 수 있을 것인가 하는데 있었다. 신협의 내부사정이 정부간섭을 불러온 것도 사실이나 정부의 간섭은 신협으로 하여금 사회적 목적보다는 경제적 목적에 보다 많은 관심을 기울이게 하면서 운동의 성과를 거둘 수 없는 방향으로 작용하였다. 그리고 협동조합운동이 성과를 거두지 못하면서 정부도 자신이 의도한 정책목적을 달성할 수 없었다. 이러한 사정을 신협법의 제정과 개정과정을 통해 살펴보는 것이 이 논문의 목표이다.

대학기록관 설립의 필요조건: '미성숙한' 기록관리 방법의 시험 운용 방안 (A Necessary Conditions of Building University Archives: For the Tentative Application of an Immature Archival Method and Program prior to Building Archives)

  • 이종흡
    • 기록학연구
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    • 제3호
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    • pp.33-64
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    • 2001
  • This essay introduces the basic method and program required to meet some necessary conditions of building university archives. By the phrase 'method and program', I intend the effective means of regularly but circumstantially controling the ways to the archival purposes proper which can be defined as the keeping of evidences and the broadening of information pool in terms of the evidential and informational natures or values of records. My starting point is about the matters of overcoming a standard method of induction which has long prescribed much passive procedures in the archival work. Considering the differences in the records and archives management-practices between West and Korea, I tentatively try to add some active elements to the archival work among which the collection for the expanding evidences and informations may firstly emphasized. While this collecting activity normally depends on the existing 'collections' and 'manuscripts', I cannot exclude the possibility of collections the materials, being likely to be registered in any poor or insufficient record groups. In the similar context, this kind of activity may and must be expanded beyond the university boundaries so at to arrange the cornerstones of archive-based local studies in the various disciplines. Here I premise another role of university archives, the role as 'science archives'. These archives within university archives seem likely to function in likewise the special collections within Western university libraries. What I mean here, however, is the archival groups purposedly gathered or acquisited according to more detail and narrower plan in order to meet the various demands from the different disciplines for the primary sources. The archival procedures from this revised method and program may, I hope, satisfy some of the preconditions of building university archives before the archives will actually function as a sub-institution of an university preserving legal, administrative and financial evidences, thus keeping identity and continuity of the university on the one hand, and as a local information center of supplying the archival contents on effectual demand from the field of local studies on the other. Finally, I conclude with a suggestion concerning the cooperation of all the parties of archival works. Proposing the 'Regional Research Center Program' in the field of technology and engineering as a model for the cooperation, I suggest that universities, private/public organizations, and central and local governments may work together for surveying the scattered ancient and modern documents as well as for building archives under the matching fund.

일반음식점 신규영업주의 위생관리지식 및 위생행정에 대한 태도 (Knowledge and Attitude toward Restaurant-Related Sanitation of New Restaurateurs)

  • 김선택;박재용;감신;한창현
    • 보건교육건강증진학회지
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    • 제15권1호
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    • pp.79-95
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    • 1998
  • The purpose of this study was to investigate the sanitation affairs of general restaurants. The questionnaire survey on the attitude and knowledge toward sanitation, the attitude for sanitary administration and the sanitary education was conducted against new 600 restaurateurs who were educated from June 20 to July 11, 1996, at the administration hall's division of Kyungsangbook-do in charge of food industry that offered regular sanitary education to new restaurateurs annually. And the visit survey on sanitary practice was also conducted over 93 restaurateurs who obtained the commercial license for food service business. The findings from the survey were as follows; In regard to food sanitation, some 87.1 to 88.3% got the right knowledge about the reason and precaution of food poisoning, food's frozen or cold-storage, and the disposal of products after expiration of validity term. But it was about 20.8% to 50.0% who knew right about major precaution, storage temperature in refrigerator, fermented milk product's storage temperature and validity term. There was therefore a necessity for education in food sanitation. 38.2% of the subjects placed an emphasis on sanitary storage of foodstuffs as the most important thing in sanitary management. 33.8% emphasized cooking sanitation. The environmental sanitation was counted as the most important thing by 19.2%, and personal sanitation of worker was counted by 8.8%. There was differences in what they thought the most important thing was, according to the respondent's educational level and cooker. 86.6% replied it necessary to improve the sanitary level. The respondents who were younger or had better educational level emphasized more the need for it. Concerning health examination, 90.2% replied it necessary. 81.4% answered the reason was because there was a potentiality Quests might be infected with contagious disease. 78.5% pointed the need for sanitary education, but respondents with higher educational level less emphasized its needs. As the reason for poor sanitation, restaurateur's poor awareness about it was most frequently pointed out, by 46.9%. Cooking sanitation was most frequently counted, by 38.5%, as the first thing to be improved. As the most critical point in sanitary education, 34.5% indicated food's sanitary Quality control 30.9% mentioned sanitary treatment of kitchen facilities and peripheral environment, and 27.1% emphasized the summary of the general food sanitation. 77.7% answered to correct immediately in case of violating the Food Hygiene Law, and 12.0% replied to correct in the same case if they would get the order from public official or administrative action would be taken. Respondents with higher educational level answered more to correct immediately. What they wanted the government office to do toward sanitary improvement was a fund aid an facilities and management which was pointed out by 38.9%, a periodical sanitary education by 26.3% and a on-the-spot guidance of sanitary officials by 22.3%. In view of the food service business's sanitary practice, the rate of wearing a sanitary clothes was 32.9% in city and 35.0% in county. The rate of hand-washing without soap or non-washing at cooking was 73.9%, 85%, respectively. The rate of personnel sanitation was 34.2% in city and 50.0% in county. These things indicated the sanitation was not well practiced. To improve the poor sanitary conditions of the food service businesses, it is recommended to offer institutional backing and financial aid from administrative office, and encourage restaurateurs to take pride in their job. and conduct the sanitary education effectively by sanitary education institution.

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신규 일반음식점 영업자의 위생관리 지식 및 태도 (Knowledge and Attitude on the Restaurant-Related Sanitation of New Restaurateurs)

  • 박기홍;손석준
    • 농촌의학ㆍ지역보건
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    • 제31권1호
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    • pp.21-34
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    • 2006
  • 식품위생에 관한 지식은 식중독의 예방여부, 냉동 냉장식품 보관법, 유통기한 경과 제품처리에 대해서는 조사대상의 87.9%-94.4% 정도가 정확히 알고 있었으나, 식중독의 원인 주요 예방법, 냉장고 보관온도에 대해서는 조사대상의 56.0%-63.0% 정도가 바르게 알고 있었다. 위생지식에 대한 정답률이 낮은 남성, 40대 이외의 연령층, 학력이 낮은, 종업원이 음식조리자인 경우에 대한 지속적인 위생교육이 필요 필요할 것으로 생각되고, 위생교육 미이수자가 위생지식에 대한 정답률이 높은 것으로 보아 교육내용 방법에 대한 개선이 필요하겠다. 위생수준 개선의 필요성에 대해서는 조사대상의 83.6%가, 건강진단의 필요성에 대해서는 조사대상의 78.6%가, 위생교육의 필요성에 대해서는 조사대상의 76.4%가 필요하다고 응답하였다. 위생수준이 미흡한 이유로 영업주의 위생의식이 미흡하여서가 조사대상의 71.6%로 가장 높았고, 개선해야 될 분야에는 업소시설 등 환경위생이 조사대상의 36.7%로 가장 높았다. 위생교육에서 가장 필요한 교육내용으로는 조사대상의 35.7%가 음식의 위생적 품질관리라고 하였고, 29.5%가 전반적인 식품위생의 개요라고 하였으며, 17.7%는 주변환경 및 주방시설의 위생적 취급이라고 응답하였다. 식품위생법 위반시 조사대상의 81.0%는 즉시 시정한다고 응답하였으며, 학력이 높을수록 즉시 시정하겠다는 응답이 많았다. 위생개선을 의해 행정기관에 바라는 점은 조사대상의 73.2%가 시설 및 운영자금지원을 지적하였고, 주기적인 위생교육이 19.3%, 위생공무원의 현지지도가 6.2%였다. 위생실천 실태에서는 위생복 착용률은 31.1%였으며, 조리시에 손을 씻지 않거나 그냥 물로만 씻는 경우가 각각 3.2%, 36.2%였고, 개인위생을 잘 준수한다는 43.7%로서 실천이 제대로 되지 않는 것으로 조사되었다. 이상의 결과로 미흡한 식품접객업소의 위생상태 개선을 위해서는 행정기관의 제도적 보완과 금융지원, 영업주의 직업에 대한 자긍심고취, 위생교육기관의 실효성 있는 위생교육프로그램의 개발 및 교육이 집중적으로 이루어져야 할 것으로 사료된다.

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