• Journal of Venture Innovation
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• v.2 no.2
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• pp.117-126
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• 2019

This study conducted correlation analysis and multiple regression analysis using financial statements, loan structure, ROA and ROA volatility of domestic commercial banks, regional banks and special banks for the past five years (2012 ~ 2016). The result is as follows. First, as a result of correlation analysis, bank's ROA is positively related to household loans and SME loans, but it is negatively correlated with the ratio of loans to large companies, sector bias, and loan loss provision ratio. Second, ROA volatility was negatively related to household loans and SME loans, but it was positively correlated with large corporate loans, sector bias ratio, and loan loss provision ratio. Third, as a result of the regression analysis, the variables that have a statistically significant effect on the ROA volatility of banks were household loans, SME loans, and large enterprise loans. From these empirical results, special banks with high volatility in profits need to diversify loan types and sectors in order to achieve business performance outside of policy finance. and Especially, Suhyup Bank and Nonghyup Bank, which have a large commercial role, have a large size per unit by focusing on short-term profit and Rather than focusing on large companies or large loans that are easy to obtain financial information, it is necessary to focus management capabilities on household loans and SME loans by developing capabilities such as screening techniques.

• The Journal of the Convergence on Culture Technology
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• v.6 no.4
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• pp.379-384
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• 2020

The purpose of this study is to analyze the impact of individual savings banks' financial conditions on their loan portfolio after savings bank restructuring. The analysis results are as follows. First, it was estimated that the relationship between the rate of change in the NPL Ratio and the ratio of household loans has a significant positive value. Second, it was estimated that the interaction effect between the rate of change in the ratio of fixed and below loans and the spread of the deposit-to-deposit rate has a significant negative (-) value with the household loan weight. Third, the relationship between the asset size and the proportion of household loans was estimated to have a significant positive (+) value. In other words, it was analyzed that the financial situation of the savings bank affects the loan portfolio, and it should provide important implications for establishing policies for each financial situation of the savings bank. Depending on the financial situation in the future, there is a need to avoid excessive asset expansion of specific loans and preemptive soundness management.

• Journal of the Society of Cosmetic Scientists of Korea
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• v.47 no.2
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• pp.163-170
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• 2021

This study was conducted to create a technology to remove acne bacteria with human-friendly materials. First, the Cutibacterium acnes (C. acnes) were adsorbed to the mica disc to grow, and then the biofilm was checked through an atomic microscope to see if the biofilm had grown. Based on the topographic image, the shape changed round, the size was 17% longer on average, and the phase value of the resonance frequency separating materials was observed as a single value, the biofilm grown by covering the extracellular polymeric substrate (EPS). As a result of processing 50 mM of amino acids in the matured biofilm, the concentration of C. acnes decreased when valine, serine, arginine and leucine were treated. Scanning with nanoindentation and AFM contact modes confirmed that the hardness of biofilms treated with Valine (Val) increased. This indicates that an AFM tip measured cell which may have more solidity than that of EPS. The experiment of fluorescent tagged to EPS displays an existence of EPS at the condition of 10 mM Val, but an inhibition of growth of EPS at the 50 mM Val. Number of C. acnes was also reduced above 10 mM of Val. Weak adhesion of biofilm generated from an inhibition of EPS formation seems to induce decrease of C. acnes. Accordingly, we elucidated that Val has an efficiency which eliminates C. acnes by approach of an inhibition of EPS.

• Journal of the Society of Cosmetic Scientists of Korea
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• v.43 no.1
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• pp.61-68
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• 2017

The key quality attributes of the pressed powder, one of base makeup products, are skin-affinity and spreadability. In general, there was a limit to meet skin-affinity and spreadability simultaneously, which are opposite attributes each other. In this study, air jet mill process was tried to satisfy two main properties. Skin-affinity was improved by a wet coating of sericite with a mixture of lauroyl lysine (LL) and sodium cocoyl glutamate (SCG). The application of mono-dispersed polymethyl methacrylate (PMMA) and diphenyl dimethicone/vinyl diphenyl dimethicone/silsesquioxane crosspolymer (DDVDDSC) improved both qualities. Air jet mill process has been mainly applied in the pharmaceutical and food industries, and is a method used for processing powder materials in cosmetic field. In this study, we were able to complete makeup cosmetics with an optimum particle size $6.8{\mu}m$ by combining the air jet mill process at the manufacturing stage. It was confirmed that the Ti element was uniformly distributed throughout the cosmetics by EDS mapping, and that the corners of the tabular grains were rounded by SEM analysis. It is considered that this can provide an effect of improving the spreadability when the cosmetic is applied to the skin by using a makeup tool. LL with excellent skin compatibility and SCG derived from coconut with little skin irritation were wet coated to further enhance the adhesion of sericite. SEM images were analyzed to evaluate effect of the dispersion and uniformity of PMMA on spreadability. With the spherical shapes of similar size, it was found that the spreading effect was further increased when the distribution was homogeneously mono-dispersed. The dispersion and spreadability of PMMA were confirmed by measuring the kinetic friction and optimal content was determined. The silicone rubber powder, DDVDDSC, was confirmed by evaluating the hardness, spreading value, and drop test. Finally, it was found that the dispersion of PMMA and silicone rubber powder affected spreadability. Such makeup cosmetics have excellent stability in drop test while having appropriate hardness, and good stability over time. Taken together, it is concluded that air jet mill process can be utilized as a method to improve skin-affinity and spreadability of the pressed powder.

• Journal of the Society of Cosmetic Scientists of Korea
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• v.30 no.3 s.47
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• pp.353-359
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• 2004

The extent of silica flocculation can be modified by varying the silica concentration, aqueous phase pH, salt and polvmer concentration. High volume fraction W/O emulsion stabilized by hydrophobic silica was established with various aqueous phase conditions for cosmetic application. By increasing the silica concentration up to $1.0\;wt\%,$ the size of droplet decreased. A high silica concentration increased the viscosity of continuous oil phase by network formation, which resulted in target size of droplet. The stability of W/O emulsion is improved as increasing the aqueous phase pH. At low and intermediate pH, the emulsions became more stable by adding salt $(0.083\;mol\;dm^{-3}\;MgSO_4).$ At high PH, the presence of salt caused significant destabilization. The gelation behavior of the emulsion indicates that the effect of salt on silica-stabilized emulsion is derived from an electrostatic attraction. The addition of xanthan gum in aqueous phase increased the mono-dispersity of the W/O emulsion by making water more hydrophobic and hindering the recombination of droplets. In conclusion, these results indicate that very stable emulsifier-free, finely dispersed W/O emulsion can be achieved for cosmetic application by changing the aqueous phase composition.

• Journal of Korean Society of Transportation
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• v.32 no.4
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• pp.347-356
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• 2014

Passenger cars occupy about 74% among registered vehicles in Korea and the ratio of transportation mode sharing is approximately 60% in the passenger transport part. However, there is no statistics related to travel characteristics of passenger cars, and official statistics are estimated from O/D travel data. Thus, National Transportation DataBase Center in KOTI has attempted to construct various statistical data through Korea Vehicle Use Survey. Based on these data, Analysis of Variance (ANOVA) was conducted to investigate the differences in travel characteristics of each analysis group. As a result, all of the explanatory variables(weekday vs. weekend, metropolitan area vs. non-metropolitan area, male vs. female, commute time vs. other time, routine purpose vs. non-routine purpose) were found to be different across households. In addition, travel distances per trip of weekday, metropolitan area, male, commute time, and non-routine purpose are longer than the opposite variables. Also, the trip distances of small size(1 to 2 persons) households are shorter compared to large size(more than 5 persons) households.

• Korean Journal of Agricultural Science
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• v.20 no.2
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• pp.221-236
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• 1993

Economic conditions of Korean agriculture have been aggravated since farmers experienced the shortage of labor, instability of farm product price, lack of capital and pressure of opening domestic market. Nevertheless, agriculture must be maintained because structure of national economy can not be progressed without balanced growth of food industry. So the problem that we must solve is to keep agriculture competitive. In that case technology is important in terms of improving productivity, overcoming labor shortage and stabilizing price. This paper is to study the technology adoption on the farm level, focusing on the theories of technology adoption, their empirical test and effect of technology adoption on the farm household income. In this study five theories-independent model, linear model, middle class conservation model, modified middle class conservation model, basic needs and wealfare model- were introduced concerning differentiated technology adoption rate by farmers' class. Based on the survey of controlled strawberry farming in Nonsan County, Chungnam Province, who adopted six kinds of technology, modified middle class conservation model was found to explain five kinds of technology adoption pattern and linear model was useful to explain one kind of technology, that is, irrigation method, These results may mean that controlled strawbary cultivators of middle class were reluctant to accept new technology. There are many variables to effect on the technology accepting rate, that is, farmer's age, labor capacity, education level, cultivation career, size of total cultivated land, and size of strawberry farming land. LOGIT model was used to find which variable influence the technology adoption rate. Results of estimation showed that variables of cultivation career and total land size, of which coefficients were statistically significant at the 5 percent level, might be main influential factors in accepting more than three farming techniques. There was a significant income difference between farm households accepting new methods and those rejecting them. Especially in case of low class of farming group, income of farmers who was adopting new technology was examined to be much higher than that of farmers who did not adopt. This result suggests that new technology play an important role in increasing farm household income. Finally this study emphasized that there is a need to develop proper measure of technology transfer considering various socioeconomic conditions of farm households.

• Journal of Nutrition and Health
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• v.23 no.3
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• pp.170-178
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• 1990

The aim of the study was to investigate prevalence of obesity among housewives residing in apartments in Taegu city and any relationship of obesity with various factors. Hundred three housewives aged 30-49 years living in apartments (over 30 pyung) were interviewed for socio-economic status, food habit, food intake by a convenient questionnaire, and daily activity by the 24-hour recall. Their weight, height and triceps skinfold thickness were measured. The results were summarized as follows: 1) The percentages of subjects and their spouses with college and higher education were as much as 53.6% and 83.5%, respectively. The commonest family size was four members with two children. 2) The percentages of subjects classified as underweight, normal, overweight, and obesity according to relative body weight(RBW) were 4.9, 44.7, 24.3 and 26.2, respectively. Twenty four percent belonged to obese group according to body mass index(BMI$\geq$25). 3) Food habit score was 12.4 points in average and judged 'good'. The average of daily energy intake was 2247㎉ which corresponded to 112% of RDA and intakes of nutrients except iron exceeded RDA. The means of food habit score and energy intake were not significantly different among 4 groups. 4) Multiple regression analysis was tested to explain a relationship between fatness and various factors. The equation, BMI=25.216+(0.836$\times$family size)-(0.309$\times$education, years)-(0.00503$\times$household work time, minutes), indicates that fatness of housewives was related with family size(+), educational level(-) and household work time(-). These relationships were statistically significant(p<0.001) and R2 (coefficient of determination) was 0.237.

• Journal of the Korean Geographical Society
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• v.39 no.1
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• pp.88-101
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• 2004

This paper aims to examin the channel of waste collection, as well as to clarify the relationship between collection types and regional characteristics. According to the analysis results, a kind of used paper and old metal are mainly collected in regions which have a large population size, high population increasing rates, high population composition rates of secondary industry and high degree of self-supporting in public finance. On the other hand, in regions which have a small population size, low population increasing rates or a decrease in population, and high population composition rates of primary industry and rates of agricultural household, there are high collection rates for others recyclable wastes, a kind of scrap iron, used paper, and used bottle. These results show that the collection types of recyclable domestic wastes are different depend on industry developed degree in region.

• Proceeding of Spring/Autumn Annual Conference of KHA
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• 2009.11a
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• pp.11-16
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• 2009

Public rental apartment has suffered social exclusion problem, stemmed from its closed planing for a very specific range of the disadvantaged population. Thereby, it has been recognized as a disliked residential facility. To alleviate this problem, various approaches have been tried such as ownership-tenant mixture, and different unit size mixture. The purpose of this study is to grasp the expected social relation among neighboring residents according to socially integrative planing elements such as ownership, unit size and family life cycle match. Thirty eight graduate students in architecture and housing field responded to the questionnaire which was specifically made to identify relations of 28 neighboring situations based on $2{\times}2{\times}2$ variable composition. Frequency, percentage and MDS(multidimensional scaling) were used to analyze data. As a result, the order of preferred matchy were identified. The match between rental/small/children group and ownership/middle/children group was turned out to be the most desirable while the match between rental/small/children family group and rental/small/elderly group was found the least desirable. Spatial representations of the relationships among 8 household types were delineated. In conclusion, the definite patterns of the favorable and unfavorable match were found. This result is expected to be used as a reference in developing a strategic match to promote the rental apartments social integration in Korea.