• Title/Summary/Keyword: loan data

Search Result 253, Processing Time 0.037 seconds

A Study on User-oriented Evaluation of Book Collections under a Regional Library System (지역단위 도서관 시스템에서의 이용중심적 장서평가 연구)

  • Park, Young-Ae;Lee, Jae-Yun
    • Journal of the Korean Society for Library and Information Science
    • /
    • v.44 no.4
    • /
    • pp.457-477
    • /
    • 2010
  • Currently, collections with public libraries are evaluated only on the basis of simple data, such as the use volume of collections with individual libraries, and interlibrary lending (ILL) results. To promote the ILL of regional libraries and raise the use of collections, however, the evaluation of collections should be expanded from individual libraries to regional libraries. This study aims to propose user-oriented methods for evaluating the library collections within a regional library system by using four kinds of data: collection, acquisition, circulation, and ILL application data. The results of this study show that the proposed method can reveal the positions of each library within a regional library system, and also the characteristics of a library's collections and users' needs more precisely.

A Study on the Resident's Demands to Repair to an Energy Saving House for the Existing Apartment Housings (기존 공동주택 그린홈 개보수 제도 마련을 위한 거주자 수요 조사에 관한 연구)

  • Jung, Yoon-Hyea;Lee, Jong-Sung;Kim, Hyo-Jin;Park, Ji-Young
    • Land and Housing Review
    • /
    • v.4 no.2
    • /
    • pp.201-209
    • /
    • 2013
  • The purpose of this study is to get some data to repair the existing apartment housings to energy saving house : The data are a repair requirement, a repair preference, and so on. For this purpose, an interview was carried out for the dwellers who is living in the estates constructed in about 10 years ago. If there would be a financial support of the government, which is to make a loan 1,400 thousand won and the 3.5% interest, then the 53% of dwellers have agreed to repair their houses. And the best preference repair item was a window, the items what is disturbed to their ordinary life would be not easy to be repaired. This survey has limited to only the apartment housings, so the additional survey will be carried out to get the data to practise the government's Green Home project for existing houses.

Research on Sustainable Financial Inclusion and Social Impact : Analyzing Credit Thin Filer Data from U.S. Online Loan Platform (지속가능한 금융포용성과 소셜임팩트 증진 제언 연구: 미국 온라인 대출 플랫폼 내 중저신용자 데이터를 중심으로)

  • Geonuk Nam;Jiho Kim;Gaeun Son;Hanjin Lee
    • The Journal of the Convergence on Culture Technology
    • /
    • v.10 no.3
    • /
    • pp.467-474
    • /
    • 2024
  • This study analyses customer data from a US online lending platform to empirically document the discriminatory treatment that low- and middle-income borrowers face in financial markets. Researchers are using financial data from nearly 2.93 million loans between 2007~2020 of the Lending Club on the open-source Kaggle platform. We find that thin-filers borrowers, especially those with lower credit scores, receive loans at higher interest rates. This discriminatory treatment undermines financial inclusion and has the potential to increase social inequality. The significance of this research is that it sheds substantial light on the problem of inequality in financial markets and, based on the findings, suggests concrete measures to ensure equitable access to finance for all customers and enhance sustainable financial inclusion. In doing so, we propose a shift towards enhancing the social responsibility of institutions.

Demand and Supply Trend of Agricultural Machinery

  • Shin, Seung-Yeoub;Kang, Chang Ho;Kim, Byounggap;Kim, Yu Yong;Kim, Jin Oh;Lee, Kyou-Seung
    • Journal of Biosystems Engineering
    • /
    • v.38 no.4
    • /
    • pp.248-254
    • /
    • 2013
  • Purpose: This study was performed in order to obtain basic data for policy development and R&D to sharpen competitiveness in domestic agricultural machinery industry by analyzing the recent status of demand and supply for tractor, rice transplanter(riding type), and combine. Methods: Basic data from 199,275 units of tractor, rice transplanter (riding type), and combine was offered by the National Agricultural Cooperative Federation and Korea Agricultural Machinery Industry Cooperative. Those agricultural machines were supplied by the government's loan support from 2003 to 2012. Results: Recent supply of tractor is only 13,000 units or so per annum, thereby being stagnated. Rice transplanter and combine in 2012 corresponded to 3,810 units and 2,490 units, respectively. The domestic market share of the imported agricultural machinery accounted for 60.0% in tractor, 99.5% in saddle rice transplanter, and 80.9% in combine, thereby having been sharply increased 33.1%p, 42.0%p and 53.6%p compared to the ones in 2003. Life spans of tractor, combine and saddle rice transplanter are 3.7, 3.7 and 4.2 years, respectively. Among the discontinued models, the one less than 300 units supplied was occupied up to 70~85%. Conclusions: The domestic demand and the export expansion are needed through developing a model of agricultural machinery of having competitiveness to domestically activate agricultural machinery industry.

Study on the Convenient Interface to the University Web-based Library System (Web을 기반으로 한 대학교 도서관 시스템에 있어서 용이한 인터페이스에 관한 연구)

  • 이현정;정재욱
    • Archives of design research
    • /
    • v.15 no.1
    • /
    • pp.93-100
    • /
    • 2002
  • The University's web library is a form of library that enables to deal with information about searching loaning, returning of books or data housed in it through web. With the advent of the network and multimedia following the entrance to an information-oriented society, we are experiencing a big change in how to communicate and acquire information. Massive multimedia information transmitted by image and moving picture through the network, made it possible to overstep the limit of the physical gap between information suppliers and users. Despite this important role, it is accompanied by problems such as copyright, scarcity of recognition, paralysis of infra, technical matters and reliability which demand development. In this thesis, according to the State University Evaluation Standards, search node and user interface by system used in 20 different universities possessing web-based library sites were compared are analysed. On the basis of this, an experimental user interface for web-based University libraries was produced, and various questionnaires and data leer this produced interface were collected, classified and analyzed. With the application of the results for the work above to the general search system interface of the web-based library, we proposed a new user interface that contains the following functions, such as location and loan condition of books, search frequency and steps for purchasing books inside the web library.

  • PDF

Toy Library Rental and Return Systems Based on Web (웹을 기반으로 한 장난감 도서관 대여 및 반납 시스템)

  • Kim, Eunkyeong;Bok, Kyoungsoo;Yoo, Jaesoo
    • The Journal of the Korea Contents Association
    • /
    • v.19 no.8
    • /
    • pp.172-183
    • /
    • 2019
  • Modern society has a tendency to raise fewer children. As a result, parents became more interested in their children's creative ways of thinking and began to look for new ways of teaching. The child care support center expects a positive effect by lending various toys and books to improve the physical, emotional and social characteristics of children and to help reduce household burden on parents. In this paper, we design and implement a rental return system to effectively utilize a toy library operated by the child care support center. The proposed system makes it easy for any user to search for items in any branch operated by the Child Care Support Center and to manage loan return records. The administrator can manage data such as loans, returns, and past due from the rental return processing system, and effectively operate the child care support center through statistics of data generated. Children are expected to be given a variety of entertainment cultures and cultural benefits to their families to ease the burden of parenting.

The Application of Operations Research to Librarianship : Some Research Directions (운영연구(OR)의 도서관응용 -그 몇가지 잠재적응용분야에 대하여-)

  • Choi Sung Jin
    • Journal of the Korean Society for Library and Information Science
    • /
    • v.4
    • /
    • pp.43-71
    • /
    • 1975
  • Operations research has developed rapidly since its origins in World War II. Practitioners of O. R. have contributed to almost every aspect of government and business. More recently, a number of operations researchers have turned their attention to library and information systems, and the author believes that significant research has resulted. It is the purpose of this essay to introduce the library audience to some of these accomplishments, to present some of the author's hypotheses on the subject of library management to which he belives O. R. has great potential, and to suggest some future research directions. Some problem areas in librianship where O. R. may play a part have been discussed and are summarized below. (1) Library location. It is usually necessary to make balance between accessibility and cost In location problems. Many mathematical methods are available for identifying the optimal locations once the balance between these two criteria has been decided. The major difficulties lie in relating cost to size and in taking future change into account when discriminating possible solutions. (2) Planning new facilities. Standard approaches to using mathematical models for simple investment decisions are well established. If the problem is one of choosing the most economical way of achieving a certain objective, one may compare th althenatives by using one of the discounted cash flow techniques. In other situations it may be necessary to use of cost-benefit approach. (3) Allocating library resources. In order to allocate the resources to best advantage the librarian needs to know how the effectiveness of the services he offers depends on the way he puts his resources. The O. R. approach to the problems is to construct a model representing effectiveness as a mathematical function of levels of different inputs(e.g., numbers of people in different jobs, acquisitions of different types, physical resources). (4) Long term planning. Resource allocation problems are generally concerned with up to one and a half years ahead. The longer term certainly offers both greater freedom of action and greater uncertainty. Thus it is difficult to generalize about long term planning problems. In other fields, however, O. R. has made a significant contribution to long range planning and it is likely to have one to make in librarianship as well. (5) Public relations. It is generally accepted that actual and potential users are too ignorant both of the range of library services provided and of how to make use of them. How should services be brought to the attention of potential users? The answer seems to lie in obtaining empirical evidence by controlled experiments in which a group of libraries participated. (6) Acquisition policy. In comparing alternative policies for acquisition of materials one needs to know the implications of each service which depends on the stock. Second is the relative importance to be ascribed to each service for each class of user. By reducing the level of the first, formal models will allow the librarian to concentrate his attention upon the value judgements which will be necessary for the second. (7) Loan policy. The approach to choosing between loan policies is much the same as the previous approach. (8) Manpower planning. For large library systems one should consider constructing models which will permit the skills necessary in the future with predictions of the skills that will be available, so as to allow informed decisions. (9) Management information system for libraries. A great deal of data can be available in libraries as a by-product of all recording activities. It is particularly tempting when procedures are computerized to make summary statistics available as a management information system. The values of information to particular decisions that may have to be taken future is best assessed in terms of a model of the relevant problem. (10) Management gaming. One of the most common uses of a management game is as a means of developing staff's to take decisions. The value of such exercises depends upon the validity of the computerized model. If the model were sufficiently simple to take the form of a mathematical equation, decision-makers would probably able to learn adequately from a graph. More complex situations require simulation models. (11) Diagnostics tools. Libraries are sufficiently complex systems that it would be useful to have available simple means of telling whether performance could be regarded as satisfactory which, if it could not, would also provide pointers to what was wrong. (12) Data banks. It would appear to be worth considering establishing a bank for certain types of data. It certain items on questionnaires were to take a standard form, a greater pool of data would de available for various analysis. (13) Effectiveness measures. The meaning of a library performance measure is not readily interpreted. Each measure must itself be assessed in relation to the corresponding measures for earlier periods of time and a standard measure that may be a corresponding measure in another library, the 'norm', the 'best practice', or user expectations.

  • PDF

Quantitative Estimation Method for ML Model Performance Change, Due to Concept Drift (Concept Drift에 의한 ML 모델 성능 변화의 정량적 추정 방법)

  • Soon-Hong An;Hoon-Suk Lee;Seung-Hoon Kim
    • KIPS Transactions on Software and Data Engineering
    • /
    • v.12 no.6
    • /
    • pp.259-266
    • /
    • 2023
  • It is very difficult to measure the performance of the machine learning model in the business service stage. Therefore, managing the performance of the model through the operational department is not done effectively. Academically, various studies have been conducted on the concept drift detection method to determine whether the model status is appropriate. The operational department wants to know quantitatively the performance of the operating model, but concept drift can only detect the state of the model in relation to the data, it cannot estimate the quantitative performance of the model. In this study, we propose a performance prediction model (PPM) that quantitatively estimates precision through the statistics of concept drift. The proposed model induces artificial drift in the sampling data extracted from the training data, measures the precision of the sampling data, creates a dataset of drift and precision, and learns it. Then, the difference between the actual precision and the predicted precision is compared through the test data to correct the error of the performance prediction model. The proposed PPM was applied to two models, a loan underwriting model and a credit card fraud detection model that can be used in real business. It was confirmed that the precision was effectively predicted.

A Study on the Factors Increasing the Effectivness of Information Services -with Special Reference to Information Service Units within Research Institutes (정보봉사의 효율을 높이는 요인분석)

  • Lee Jin-Young
    • Journal of the Korean Society for Library and Information Science
    • /
    • v.24
    • /
    • pp.73-112
    • /
    • 1993
  • The purpose of this study is to identify what are the common characteristics which enable the information management offices of research institutes to provide information services with their companies in effective ways, and furthur, in other to clarify what factors helf the improvement of effectiveness of information services. I have made on-the-spot investigations for the confirmation of present conditions of information service units of research institutes, their statistic data, and their managerial state. I have restricted my research to 36 information service units, as research targets, which are located in Changwon, Choongchong, and Kyongin areas as the reason mentioned in the introduction, and from their research data they keep, I have classified the top 10 information service units as Group A which show the most frequent use or application frequency of research data per a researcher, where as the lowerest 10 information service units are classified as Group B by the same evaluation of application frequency of their data. Then, the result of the comparision between Group A which provide high information services in effective ways and Group B which provide low information services with poor management leads me to identify the following characteristics in terms of the analyses of utilization of the data they process: 1. Those information service units in Group A have more volumes of books and information data, and annual increasing rates of books and informations are higher than those of Group B. 2. The regulations of book circulation in Group A are prescribed for the benefits of users, and if a long-term loan is not permitted, they are allowed to borrow more books at a time than in Group B. 3. The proportion of librarians to researchers is high, the librarians' career is long and their professional education background (the rate of librarians who majored in library science and information) is high In Group A. 4. Most of the directors of information service units are those who majored library science and information, and for the most part, librarians are promoted to the directors of information service units in Group A. 5. The information service units are managed directly under the directors of research institutes in their organization in Group A. 6. The information service units offer an education for information utilization to researchers as one of their managerial programs, and the contents of education are diverse, rich and informative in Group A. 7. The kinds of informations are various in Group A such as, SDI, prompt reports of contents of new informations, circulation of newly published publications, translation service, information analyses, critical reviews, etc. 8. The information service units in Group A have joined various cooperative systems which are aimed at cooperation, co-ownership of resources and informations. These findings lead me to argue that the hypothesis suggested in the introduction of this thesis has been proved without exception.

  • PDF

A Study on the Information Searching Behavior of MEDLINE Retrieval in Medical Librarian (의학전문사서의 정보이용행위에 관한 연구)

  • Lee Jin-Young;Jeong Sang-Kyung
    • Journal of Korean Library and Information Science Society
    • /
    • v.30 no.2
    • /
    • pp.123-153
    • /
    • 1999
  • This article aims at finding the ways, on the basis of the studies about the behaviors to search the existing CD-ROM databases, so that the searchers who retrieve the on-line MEDLINE used in the medical libraries can use the data more efficiently than now. We gave the questionnaires to the librarians in 60 medical libraries and searched the literatures and realities on the behaviors of the data uses to examine the search behaviors of the MEDLINE in the medical libraries. The result is as follows: 1) The medical data system rate for single users was $53\%$ and the ons for multi users $43\%$. As for the time which users retrieve for a week, under two hours was $75\%$, between 3 and 8 hours $18.3\%$, and eve. 9 hours $6.7\%$. 2) The increasing factors of the search result are (1) an enough discussion and interview between librarians and users, and (2) the use of the correct indexing terms, Thesaurus, and Keyword. In principle users must search directly. However, the librarians searched instead in case that the retrieval result was under two hours a week$(75\%)$. 3) As for the search fee, $91\%$ was free and $9\%$ was charged. Also search effectiveness was enhanced by the means of Inter-Library Loan Service & Information Network. 4) The medical librarians answered the questionnaire that they need the application education of professional knowledge, medical terms(thesaurus) and electronic medium, and also they need the computer education, interview technique and reeducation to give a satisfactory service. 5) As for the satisfactory degree of MEDLINE application, they answered $44.6\%$ for economy, $38.2\%$ for the conveniency of the time required, and $58.9\%$ for the users' search satisfaction answered respectively. 6) The application of MEDLINE system enhanced the medical libraries' image and had an effect on the users' satisfaction of using the data and search, the data activities and the research achievement. 7) In the past MeSH was used but as the time passes CD-ROM MEDLINE search behavior was preferred to On-line one.

  • PDF