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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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    • v.8 no.3
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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.

A Study on the Classification of Cyber Dysfunction and the Social Cognition Analysis in the Intelligent Information Society (지능정보사회의 사이버 역기능 분류와 사회적 인식 분석)

  • Lim, Gyoo Gun;Ahn, Jae Ik
    • Journal of Information Technology Services
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    • v.19 no.1
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    • pp.55-69
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    • 2020
  • The Internet cyber space has become more important as it enters the intelligent information society of the 4th Industrial Revolution beyond the information age through the development of ICT, the expansion of personalized services through mobile and SNS, the development of IoT, big data, and artificial intelligence. The Internet has formed a new paradigm in human civilization, but it has focused only on the efficiency of its functions. Therefore, various side effects such as information divide, cyber terrorism, cyber violence, hacking, and personal information leakage are emerging. In this situation, facing the intelligent information society can lead to an uncontrollable chaos. Therefore, this study classifies the cyber dysfunction of intelligent information society and analyzes social cognition, suggests cyber dysfunction standard of intelligent information society, and examines the seriousness of dysfunction, and suggests technical research directions for future technologies and services. The dysfunctional classification of the intelligent information society was classified into five areas of cyber crime and terrorism, infringement of rights, intelligent information usage culture, intelligent information reliability, and social problems by FGI methodology. Based on the classification, the social perception of current and future cyber dysfunction severity was surveyed and it showed female is more sensitive than male about the dysfunction. A GAP analysis confirmed social awareness that the future society would be more serious about AI and cyber crime

Survey of Status for Ageing Population, Charge Organizations and Polices in UK

  • Kee, Dohyung
    • Journal of the Ergonomics Society of Korea
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    • v.33 no.5
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    • pp.387-394
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    • 2014
  • Objective: The purpose of this study is to survey trend and the real state of ageing population in UK, and its charge organizations, relevant policies and studies. Background: As in other countries, UK population is ageing and people aged 65 or over account for about 17% of population in UK. Considering this ageing population, there are varying basic studies and policies for older people in UK. Method: First, the author consulted ageing and its policies in UK with some faculties in an UK university. Next, based on the results of consultation, wide literature survey was conducted, which includes papers in relevant academic journals, publications and website surfing. Results: A number of basic studies for surveying status and characteristics of older people as well as simple population trend for them have been conducted in UK. Healthcare services are free for all UK residents, and varying social care services including equipment, home and residential cares, financial support, etc., are provided by local governments. Cost of social cares is means-tested and is not free for everyone. There are a number of governmental or non-profit organizations dedicated to help older people access social care services or to financially fund research projects older people. Conclusion: There are more basic studies, and healthcare and social care services for older people in UK, compared to Korea. Application: It would be useful as basic data for establishing effective polices for old people in Korea.

Comparative Study of Virtual Methods Used for Library Service Delivery among Librarians in Southern Nigeria Private Universities

  • Titilayo Comfort Ilesanmi
    • International Journal of Knowledge Content Development & Technology
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    • v.14 no.1
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    • pp.33-52
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    • 2024
  • This study examined the virtual methods of service delivery being deployed by librarians in private universities in Nigeria. The objective of the study was to analyse the virtual methods of service delivery among librarians and determine the predominant method used among the librarians. Survey research design was adopted for the study. Total enumeration technique was adopted for the study. A population of 181 librarians from 45 private universities in Southern Nigeria were involved. Data were gathered, analysed and presented using frequency counts, percentages, mean and standard deviation. The study found that librarians used different virtual methods of service delivery. Library website 157 (90%) and e-mail 132 (76.3%) were the prominent electronic media used by librarians while Facebook 59 (34%) and Whatsapp 57 (32.9%) were the predominant social media platforms applied for service delivery by librarians. Electronic media were more used for latest publications arrival, as well as library education and document delivery services while social media were more used for reference services and selective dissemination of information. In conclusion, virtual methods of service delivery were deployed by librarians in private universities for service delivery. In comparing the virtual methods, librarians used more of electronic media than social media to deliver services to their users. Therefore, electronic media were predominantly used than social media, many of the virtual methods were found to be underutilised while recommendations were proffered.

Cost Structure of the Hospital Drug Services and Their Directions for Price System Improvement (병원 약제행위의 원가구조 및 수가체계 개선방향)

  • Hwang, In-Kyoung;Lee, Eui-Kyoung;Rhe, Jinn-Ie;Jang, Sun-Mee
    • Korea Journal of Hospital Management
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    • v.5 no.1
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    • pp.200-231
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    • 2000
  • The price systems of the hospital drug services play key roles in the provision of quality services and the development of pharmacy service technologies. Under the premises, this study attempted to determine the costs of hospital drug service, to compare the costs calculated with the fees publicly fixed by the Government, and based on the results of the analysis, to propose directions for the improvement of the price systems. A Costing model for the study was developed based on the cost-fee relationship analysed of the Korean fee-for-service systems. Data on costs and workloads of the 25 hospitals were collected through survey forms designed for the costing' and analysis for the duration of 12 months of 1998. The results of the analysis show that a tremendous unbalance between cost and price levels of the drug services, and that overally the price level of the services is extremely low when compared to the costs of services. Based on these findings, this study suggests that unfairly high or low price level be corrected, and that service items newly developed and being practiced at tertiary hospitals, such as TDM and TPN consultation services, be compensated by fixing a proper level of price.

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The Study on the Activation of Public Library Services Utilizing Twitter (트위터를 활용한 공공도서관 서비스 활성화 방안 연구)

  • Oh, Eui-Kyung
    • Journal of Information Management
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    • v.43 no.2
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    • pp.133-150
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    • 2012
  • This study showed the activation of public library services utilizing twitter. Top five American public library twitter's 1,373 tweets collected, analyzed by content types and examined applicability into public library services. Based on the results, it suggested that public library services can be activated by auto-tweeting informations within home page, re-tweeting of timely informations, generating HASH tag, using diverse social medias, active re-tweeting/replying, and utilizing twitter programs such as twit-bot. Finally, the study proposed that evaluations about twitter services such as satisfaction survey should be carried out.

A Study on Chinese Consumers' Acceptance Intention of Mobile Payment Service: A Theory of Consumption Values Perspective (중국 소비자의 모바일 결제서비스 수용의도 연구: 소비가치 이론의 적용)

  • Yong-Keun Lee;Yuwei Xu;Hye-Young Joo
    • Korea Trade Review
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    • v.45 no.2
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    • pp.157-176
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    • 2020
  • Mobile payment services are evolving into a variety of integrated platforms that greatly affect the lives of consumers. In addition, the importance of mobile payment services is being used as a means of payment in cross-border e-commerce. Accordingly, although a number of related studies have been conducted, most of the studies are based on the technology acceptance model. This study analyzes consumer acceptance intention of mobile payment services by applying consumption value theory. Four dimensions were derived from the theory of consumption value: functional value, emotional value, social value and situational value. With this, we identified the impact on consumer acceptance of mobile payment services. The analysis was performed using a structural equation model. Researchers collected 300 copies of the questionnaire from Chinese consumers and used it for analysis. Empirical analysis shows that functional value, emotional value, social value and situational value are all increasing consumers' willingness to accept mobile payment services. In addition, only social values were showing differences in their influence on the acceptance of mobile payment services with age. This study contributes to the development of the relevant field in that few studies describe mobile payment services by applying consumption value theory.

Analysis of Anti-SPAM Regulations in Korean IT Law (정보통신망법 스팸 규제 개선 방안 연구)

  • Kim, Seongjun;Kim, Beomsoo
    • Journal of Information Technology Services
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    • v.10 no.1
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    • pp.21-34
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    • 2011
  • Spam refers to any unwanted or unauthorized commercial messages. Spam may violate individuals' privacy or other personal rights. Spam often overloads network traffic, wastes individuals' time, lowers productivity and quality of life, and limits the trustworthiness of Internet businesses. As the use of mobile messaging services and social networking services both on mobile communication networks and on the Internet increase, newer and more complex types of IT applications and services are often used as new means of spam. In this research, the characteristics and impact of new and future forms of spam, and anti-spam related policies and regulations are surveyed. To improve the effectiveness of anti-spam policies and regulations in Korea, adding a definition of spam in the law, changing policies to focus on the 'type of services' rather on the medium of transmission, and redefining the scope of 'commercial purposes' in Korean law are suggested.

Effect of Social Service Quality on Service Satisfaction and Service Repurchase - Focusing on Social Service Investment Project-

  • Jang, Chun-Ok
    • International Journal of Advanced Culture Technology
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    • v.9 no.4
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    • pp.213-218
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    • 2021
  • In order to improve the quality of social services, developed countries overseas have introduced authorization or permit system to primary filtering when entering the market that provides social services. However, in Korea, a quality evaluation system for social service quality management has been introduced and implemented, but no significant effect has been achieved so far. Therefore, the purpose of this study is to investigate the relationship between service quality, service satisfaction, and repurchase intention, which are important variables to measure social service quality improvement, and to use it for service quality management. As a result of this study, service quality, service satisfaction, and repurchase intention are important factors for service quality improvement. It is necessary to secure a service provider of and continuous user selection and service quality management are also important.

A Study on Social Value Creation in Social Enterprise by Sector - Focusing on Social Enterpreise in Incheon (업종별 사회적기업의 사회적가치 창출에 관한 현황 연구 - 인천의 사회적기업을 중심으로)

  • Yong-Gu kim;Jae Ho Kim
    • The Journal of the Convergence on Culture Technology
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    • v.9 no.6
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    • pp.1119-1126
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    • 2023
  • This study measured the social value of social economy enterprises in Incheon Metropolitan City using the Social Value Index (SVI) developed by the Korea Social Enterprise Promotion Agency. The results showed that the social value orientation of the business activities of SSEs averaged 9.3 out of 15 points, and their innovation efforts were 8.0 out of 10 points. The average monetary and non-monetary social contribution efforts of SSEs was 5.1 out of 10. When comparing the average sales and social value scores by industry, the manufacturing sector shows that social enterprises have higher average sales and social value orientation of business activities, but lower social return efforts. Social work facility management and business support services have high average sales, but low social value orientation of business activities and efforts to make monetary or non-monetary social contributions. On the other hand, education services; arts, sports, and leisure-related services; and publishing, video, broadcasting, communication, and information services have lower average revenues but higher social value orientation of business activities. These SVI indicators are well utilized by local governments, but not yet by the central government. In the future, governments and public institutions should reflect the differences between sectors when formulating policies for social enterprises.