• Journal of the Korean Society of Earth Science Education
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• v.4 no.2
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• pp.186-193
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• 2011

The aim of this study is to find out the effect of reading aloud science books on change of attitude toward the science, interest of instruction. Participants included 52 elementary school students. For this study, two classes were divided into experimental class and control class. The control class takes a regular instructions and the experimental class takes a reading aloud instructions. Two chapter were selected, 'Volcano and Rocks' and 'Family of the Sun', for this study. Students were treated for 12 hours. All the results were analyzed quantitatively and following conclusions were made. The students' scientific attitude in the experimental class were higher than those of students in the control class. However, according to statistical analysis, this result is meaningless. In the sub-parts, critical ability, cooperation and creativity were improved meaningfully. Instruction with reading aloud science books didn't show a meaningful difference in interest of instruction. However, in the sub-part, they showed meaningful improvement in attention and relevance.

• Journal of Information Science Theory and Practice
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• v.12 no.2
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• pp.64-78
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• 2024

Sentiment analysis is one of the promising approaches for developing a point of interest (POI) recommendation system. It uses natural language processing techniques that deploy expert insights from user-generated content such as reviews and feedback. By applying sentiment polarities (positive, negative, or neutral) associated with each POI, the recommendation system can suggest the most suitable POIs for specific users. The proposed study combines two models for POI recommendation. The first model uses bidirectional long short-term memory (BiLSTM) to predict sentiments and is trained on an election dataset. It is observed that the proposed model outperforms existing models in terms of accuracy (99.52%), precision (99.53%), recall (99.51%), and F1-score (99.52%). Then, this model is used on the Foursquare dataset to predict the class labels. Following this, user and POI embeddings are generated. The next model recommends the top POIs and corresponding coordinates to the user using the LSTM model. Filtered user interest and locations are used to recommend POIs from the Foursquare dataset. The results of our proposed model for the POI recommendation system using sentiment analysis are compared to several state-of-the-art approaches and are found quite affirmative regarding recall (48.5%) and precision (85%). The proposed system can be used for trip advice, group recommendations, and interesting place recommendations to specific users.

• Journal of the Korean Data and Information Science Society
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• v.25 no.6
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• pp.1507-1520
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• 2014

In this paper, we show that there is a positive correlation between the level and the volatility of interest rate and thus suggest that a proper interest rate volatility coefficient (IRVC), a factor used in evaluating the interest rate risk that insurers are exposed to, should be chosen in accordance with the level of interest rate. To this end, we calculate the historical volatility of interest rate using data on government bond yields and show a proportionate relationship between interest rate and historical volatility. The review of exponential Vasicek (EV) and Cox-Ingersoll-Ross (CIR) models for interest rate also confirms the positive correlation between them. The estimation of IRVC by EV and CIR models are 0.9 and 1.1, respectively, which are much smaller than the one under the current risk-based capital (RBC) requirement. We provide modified IRVCs reflecting the level of interest by the two interest rate models. Using modified IRVCs can be a more reasonable method to evaluate the interest rate risk that insurers face.

• The Journal of Industrial Distribution & Business
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• v.8 no.3
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• pp.19-22
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• 2017

Purpose - To control exorbitant interest rates, implementation of an interest rate ceiling is a standard practice in microfinance. However, there are pros and cons of such market intervention. Hence, the aim of this short note is to highlight issues and challenges regarding the interest rate cap in microfinance, both from the perspective of clients and institutions. Research design, data, and methodology - While the nature of this short note is explanatory and descriptive, the research methodology used relevant data from the MixMarket and Microcredit Regulatory Authority (MRA) annual reports in Bangladesh. Results - We argue that an interest rate ceiling is detrimental both for the clients and microfinance institutions (MFIs). This market intervention substantially reduces the outreach of MFIs and clients are most likely to pay a higher price in the long-run. Additionally, an interest rate cap also puts severe pressure on new-born and high-cost MFIs to cope with the interest rate ceiling. Conclusions - Although market intervention may be necessary in the short-run, it should not be the ultimate solution to abate high interest in microfinance. Understanding the operational dynamics of MFIs, as well as promoting productivity, efficiency and competition could help to lower the interest rates.

• The Korean Journal of Community Living Science
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• v.28 no.4
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• pp.599-611
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• 2017

The purpose of this study is to investigate the effect of increased debt on the incidence of domestic violence over the two-year interval 2014-2016. To investigate Korean low-income households with economic hardships, we analyzed the 9th and the 11th waves of the Korea Welfare Panel Study, which is jointly sponsored by the Korea Institute for Health and Social Affairs and the Institute of Social welfare, Seoul National University. The study analysis was based on data from 2,786 households with less than 60% of median income. The main study findings are as follows. First, increases in economic hardships incur domestic violence for low-income households, while increases in low-interest debt decrease the incidence of the domestic violence when controlling for economic hardships. All other things being equal, economic hardship works as a stressor and low-interest debt works as an alleviator influencing domestic violence. Second, when low-income households are experiencing economic hardships, low-interest debt fails to work as an alleviator. Under this circumstance, high-interest debt actually acts as a stressor influencing domestic violence. Thus, we can speculate that use of debt under economic hardships will occur domestic violence for low-income households. This study differs from previous studies in that it examines the effect of increase in debt on the incidence of the domestic violence across different types of debt: low interest, high interest, and credit card. We can conclude that debt can function as a stressor or an alleviator for low-income households, depending on the interest rate and the households' financial situation.

• Journal of Korean Elementary Science Education
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• v.40 no.2
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• pp.267-281
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• 2021

The purpose of this study was to investigate the effect of breeding experiences of companion animals on elementary school students' interest in science, science curiosity, and science self-concept in relation to companion animals that are rapidly increasing in modern society. To achieve the purpose of this study, level of four hundred and seventy-four 6th grade at elementary school students' interest in science, science curiosity, and science self-concept according to breeding experiences of companion animals were compared and analyzed through ANOVA and independent sample t-test. As a result of the analysis, students who have experience in raising companion animals have higher interest in science, science curiosity, and science self-concept than students who have no experience in raising companion animals. It is believed that students participate in breeding activities of companion animals with interest and curiosity, and that self-concept has increased due to the process of acquiring knowledge necessary to raise companion animals and successful breeding experiences. The results of this study are meaningful in that they discussed the implications of breeding experiences of companion animals for science education, using companion animals that have not been studied much in the field of science education so far.

• Proceedings of the Korea Inteligent Information System Society Conference
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• 2000.04a
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• pp.235-241
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• 2000

This article suggests integrated neural network models for the interest rate forecasting using change point detection. The basic concept of proposed model is to obtain intervals divided by change point, to identify them as change-point groups, and to involve them in interest rate forecasting. the proposed models consist of three stages. The first stage is to detect successive change points in interest rate dataset. The second stage is to forecast change-point group with data mining classifiers. The final stage is to forecast the desired output with BPN. Based on this structure, we propose three integrated neural network models in terms of data mining classifier: (1) multivariate discriminant analysis (MDA)-supported neural network model, (2) case based reasoning (CBR)-supported neural network model and (3) backpropagation neural networks (BPN)-supported neural network model. Subsequently, we compare these models with a neural networks (BPN)-supported neural network model. Subsequently, we compare these models with a neural network model alone and, in addition, determine which of three classifiers (MDA, CBR and BPN) can perform better. This article is then to examine the predictability of integrated neural network models for interest rate forecasting using change-point detection.

• Asia-Pacific Journal of Business
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• v.5 no.1
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• pp.33-41
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• 2014

Since depositors are motivated by returns, it is important for Islamic banks management to understand the extent that rates of return on deposits influence their customers' decision to deposit. The main objective of the study is to explore the degree of influence of conventional bank's interest rate on Islamic bank's profitability and vice-versa. It has been seen from 2005 to 2011 that the rate of interest declared on deposit by conventional banks has a negative impact on profitability of both types of banks in Bangladesh. Rate of profit declared on deposit by Islamic banks is positively related with their profit earned but negatively related with profit earned by conventional banks. We see that rate of interest declared on deposit by Conventional Banks is positively related with their deposit volume but negatively related with Islamic Bank's deposit. On the other hand, rate of profit declared on deposit by Islamic Banks is negatively related with deposit levels of both types of banks. The survey result shows that almost 85% of the respondents are choosing Islamic banks only from their religious point of view and more than 60% of the sampled Islamic bank customers are reluctant to leave the bank even if conventional banks offer better interest rates.

• Journal of Korean Elementary Science Education
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• v.34 no.2
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• pp.252-263
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• 2015

This study analyzed the effects of science outdoor activity applying a Brain-Based Evolutionary (ABC-DEF) approach on elementary school students' interest and academic achievement. Samples of the study were composed of 3 classes of 67 sixth graders in Seoul, Korea. Unit of 'Ecosystem and Environment' was selected as a object of the research. Textbook- and teachers' guidebook-based instruction was implemented in comparison group, brain-based evolutionary approach within classroom in experimental group A, and science outdoor learning by a brain-based evolutionary approach in experimental group B. In order to analyze the quantitative differences of students' interests and achievements, three tests of 'General Science Attitudes', 'Applied Unit-Related Interests', and 'Applied Unit-Related Achievement' were administered to the students. To find out the characteristics which would not be apparently revealed by quantitative tests, qualitative data such as portfolios, daily records of classroom work, and interview were also analyzed. The major results of the study are as follows. First, for post-test of interest, a statistically significant difference between comparison group and experimental group B was found. Especially, the 'interests about biology learning' factor, when analyzed by each item, was significant in two questions. Results of interviews the students showed that whether the presence or absence of outdoor learning experience influenced most on their interests about the topic. Second, for post-test of achievement, the difference among 3 groups according to high, middle, and low levels of post-interest was not statistically significant, but the groups of higher scores in post-interest tends to have higher scores in post-achievement. It can be inferred that outdoor learning by a brain-based evolutionary approach increases students' situational interests about leaning topic. On the basis of the results, the implications for the research in science education and the teaching and learning in school are discussed.

• Journal of Distribution Science
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• v.11 no.10
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• pp.55-62
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• 2013

Purpose - The purpose of this study is to suggest a risk factor that significantly explains foreign currency risk premia. In recent years, some studies have found that the performance of the simultaneous consumption risk model improves considerably when tested on foreign currency portfolios, which are constructed based on the international interest rates differentials. However, this paper focuses on the long-run consumption risk factor. In our empirical research, we found that the real excess returns of high interest rate currency portfolios depreciate on average, when the future American long-run consumption growth rate appears low. This makes the high interest rate currency portfolios have relatively high risk premia. Meanwhile, the real excess returns of low interest rate currency portfolios appreciate on average, under the same conditions, which results in relatively low risk premia for these portfolios. Therefore, this long-run consumption risk factor might explain why low interest rate currencies do not appreciate as much as the interest rate differential, and why high interest rate currencies do not depreciate as much as the interest rate differential. Research design, data, methodology - In our explanation, we provide new evidence on the success of long-run consumption risks in currency risk premia by focusing on the long-run consumption risks borne by American representative investors. To uncover the hidden link between exchange rates and long-run consumption growth, we set the eight currency portfolios as our basic assets, which have been built based on the foreign interest rates of eighty countries. As these eight currency portfolios are rebalanced every year, the first group always contains the lowest interest rate currencies, and the last group contains the highest interest rate currencies. Against these basic eight currency portfolios, we estimate the long-run consumption risk model. We use recursive utility framework and the stochastic discount factor that depends on the present value of expected future consumption growth rates. We find that our model is optimized in the two-year period of constructing the durable consumption expectation factor. Our main results surprisingly surpass the performance of the existing benchmark simultaneous consumption model in terms of R², relatively risk aversion coefficient γ, and p-value of J-test. Results - The performance of our model is superior. R², relatively risk aversion coefficient γ, and p-value of J-test of our long-run durable consumption model are 90%, 93%, and 65.5%, respectively, while those of EZ-DCAPM are 87%, 113%, and 62.8%, respectively. Thus, we can speculate that the risk premia in foreign currency markets have been determined by the long-run consumption risk. Conclusions - The aggregate long-run consumption growth risk explains a large part of the average change in the real excess returns of foreign currency portfolios. The real excess returns of high interest rate currency portfolios depreciate on average when American long-run consumption growth rate is low, and the real excess returns of low interest rate currency portfolios appreciate under the same conditions. Thus, the low interest rate currency portfolios allow investors to hedge against aggregate long-run consumption growth risk.