• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.3
• /
• pp.127-135
• /
• 2020

The paper aims to examine whether business cycles affect the link between financial development and bank risk, measured by Zscore and non-performing loans to total loans in six Southeast Asian countries, namely Indonesia, Philippines, Malaysia, Singapore, Thailand and Vietnam. This study uses a sample of 95 listed commercial banks over a 15-year period between 2004 and 2018 in the six Southeast Asian countries. This study employs panel OLS regression and modifications to tackle issues such as endogeneity and heteroscedasticity. The results show that the impact of stock market development (the ratio of the market capitalization to GDP) on Zscore is significantly positive, whereas its effect on non-performing loans is significantly negative. The findings suggest that financial development, in terms of stock market capitalization, improves banks' Zscores and reduces their level of non-performing loans, suggesting that financial development on average reduces bank risk. The impact of business cycle is insignificant towards bank risk, thus rejecting both counter- and pro-cyclical hypotheses, except for the case of risk indicator of loan loss provisions. Examining the joint effect of the business cycle and financial development on bank risk, we find that the phase of business cycles generally does not moderate the link between financial development and bank risk.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.5
• /
• pp.829-837
• /
• 2021

The study investigates the impact of the Counter-Cyclical Buffer Policy (CCB) on regional development bank profitability in Sumatra, Indonesia. CCB requires banks to hold capital at times when credit is growing rapidly so that the buffer can be reduced if the financial cycle turns down or the economic and financial environment becomes substantially worse. This study employs time series data of regional development banks (RDBs) in Sumatra Island, Indonesia. The methodology applied in this study is a panel dynamic model with Generalized Methods of Moments (GMM). The results show that increasing capital through the implementation of CCB did not have a significant effect on RDBs' profitability. The findings of this study suggest that the activation and implementation of CCB lead to an increase in the amount and cost of loans to companies but do not affect the profitability of RDBs. The value of a Non-Performing Loan (NPL) proved to have a negative and significant effect on bank profitability. The CCB policy aims to overcome the pro-cyclicality of credit growth and improve bank resilience through increased capital which is expected to reduce excessive credit growth as a source of systemic risk. This causes a lack of lending to the community so that the profits obtained by the bank decrease.

• Transactions on Electrical and Electronic Materials
• /
• v.9 no.1
• /
• pp.33-37
• /
• 2008

This paper describes the development of a new $5.0{\times}3.2mm$ SAW filter bank which is consist of 12 L, C matching components and 4 SAW bare chips on PCB substrate with CSP technology. We improved the manufacturing cost by removing the ceramic package through direct flip bonding of $LiTaO_3$ SAW bare chip on PCB board after mounting L, C passive element on PCB board. After that we realized the hermitic sealing by laminating the epoxy film. To confirm the confidentiality and durability of the above method, we have obtained the optimum flip bonding & film laminating condition, and figured out material property and structure to secure the durability & moisture proof of PCB board. The newly developed super mini $5.0{\times}3.2mm$ filter bank shows the superior features than those of existing products in confidence, electrical, mechanical characters.

• Journal of Korea Water Resources Association
• /
• v.56 no.12
• /
• pp.895-903
• /
• 2023

This study investigates the impact of riparian vegetation in the floodplain on channel stability, changes in bend curvature, and meandering channel migration. In channels with riparian vegetation, over time, meander width remains relatively constant, but selective bank erosion leads to meander development and downstream movement. During this process, bank erosion and changes in the riverbed are not significant, and the channel maintains relatively constant conditions with reduced sediment discharge and minimal variability. As the density of vegetation increases, bank erosion rates decrease. The erosion rates along the riverbanks increase with the density of vegetation on the floodplain, thus affecting the development of meanders. This factor notably contributes to enhancing riverbank stability and influencing channel changes through floodplain vegetation. Bank erosion rates and dimensionless bend curvature are greatest when there is no riparian vegetation but decrease in conditions with vegetation. Furthermore, the relationship between lateral migration rate and dimensionless bend curvature is similar to that of bank erosion rates. Therefore, riparian vegetation enhances channel stability, influencing bank erosion, meander curvature, and meander migration.

• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.9
• /
• pp.371-376
• /
• 2020

The study seeks to explore the factors affecting the access to credits by individual customers at commercial banks in Tra Vinh province, Vietnam. Based on these results, the author proposes solutions to further improve the ability to serve individual customers at commercial banks in the province in the future. The study was conducted with a method of collecting primary data of 300 individual customers including 150 people with access to credits and 150 people without accessing to credits at six commercial banks in Tra Vinh Province, Viet Nam - Bank of Agriculture and Rural Development, Bank for Foreign Trade Commercial Bank, Bank for Investment and Development of Vietnam, Asia Commercial Bank in Tra Vinh, Sai Gon Commercial Joint Stock Bank, and Bank of East Asia. The author has used binary regression methods, and the study found that seven factors affecting the ability of individual customers to access capital, namely, career, qualifications, collaterals, incomes, documents, loan and business plans, and experience. In particular, occupation, experience, and documents are the most influential factors. From the above results, the author proposes policy implications to improve individual customers' access to credits at commercial banks in Tra Vinh province in the near future.

• The Journal of Asian Finance, Economics and Business
• /
• v.9 no.2
• /
• pp.1-14
• /
• 2022

The implications of bank-specific risks and macroeconomic risks on the growth, profitability, and stability of Islamic and conventional banks are examined and compared in this article. The study also investigates whether corporate governance mitigates the effects of both bank-specific and macroeconomic risks on Islamic and conventional banks' development, profitability, and stability. For the period 2007-2019, we examined a panel data set of 22 banks in Pakistan, including both Islamic and conventional banks. We discovered considerable evidence that both bank-specific risks and macroeconomic risks have negative effects on the growth, profitability, and stability of Pakistani banks using a dynamic panel data estimator, the two-step Generalized Method of Moments (GMM) approach. Furthermore, the findings show that bank-specific and macroeconomic risks have different consequences in both types of banking. The impacts of liquidity risk, operational risk, capital risk, inflation risk, and exchange rate risk are higher for Islamic banks than for conventional banks. Conventional banks, on the other hand, are more vulnerable to credit risk and interest rate risk. Finally, the findings show that good corporate governance reduces the negative consequences of both categories of risks on bank development, profitability, and stability. This is true for Islamic and conventional banks alike.

• Journal of Information Management
• /
• v.40 no.4
• /
• pp.109-133
• /
• 2009

Among biological information, GenBank, provided by the National Center for Biotechnology Information (NCBI)of the United States, is a representative database on genetic information and is the most widely used by researchers around the world. Korea Institute of Science and Technology Information (KISTI) visits NCBI on a regular basis and downloads the latest version of GenBank to reorganize the information gathered there into a database. This database is provided for Korean researchers of science and technology through the Bio-KRISTAL search engine, developed by KISTI. This study aims to design a service model that links information on papers, patents, and biodiversity and other contents of NDSL, an integrated service on scientific and technological information run by KISTI, with GenBank's reference and organism fields and to develop a prototype system. For this purpose, this paper explores the possibility of a linkage and convergence service between heterogeneous content by: (a) collecting GenBank data from NCBI's FTP site; (b) dividing GenBank text files into basic and reference genetic information and restructuring them into a database; (c) extracting article and patent information from the GenBank reference fields to generate new tables; and (d) leveraging data mapping technology to implement a prototype system where GenBank and NDSL data are interlinked and provided.

• Journal of Distribution Science
• /
• v.21 no.2
• /
• pp.65-76
• /
• 2023

Purpose: This study examines the opportunities and challenges of sharia-based regional development bank spin-offs in supporting economic growth and income distribution through a board of commissioner's approach. Research design, data, and methodology: The research design is qualitative research with the main data collection technique through in-depth interviews. Results: The results of the study show that Bank Nagari can support the performance of the West Sumatra government, especially in regional finance. The positive influence is shown in the benefit aspect of 31% and the opportunity of 28% which is the priority value. The challenges that must be faced are technology services, improving the quality of human resources, socialization, and application of local wisdom which is by the philosophical values of the people of West Sumatra Adat Basandi Syara' Syara' Basandi Kitabullah. Conclusions: It can be concluded that the local government of West Sumatra has an essential contribution to the conversion of Bank Nagari to RDB Syariah as a whole. The expected implication is that the local government and shareholders cooperate well in supporting the transformation to realize West Sumatra Mandani through the populist economy of the people of West Sumatra.

• Asia pacific journal of information systems
• /
• v.6 no.1
• /
• pp.75-108
• /
• 1996

Expert Systems (ES) have been successfully applied to bank loan decisions. However, with regard to bank loan decisions, most loan officers approach the acquisition of an ES with apprehension, which implies that organizational resources devoted to the development and implementation of ES may have been wasted or misused. Because the primary cause of the users resistance to use ES are more significantly related to the behavioral elements rather than technical elements, applying appropriate behavioral theory to the well representative sample group of the whole bank loan officers in the United States with a very accurate measurement tool can provide some clues for developing successful ES for bank loan officers. In this study : 1) Vroom's (1964) expectancy theory was selected to explain bank loan managers' motivation to use an ES ; and 2) the ANN model's prediction power to estimate bank loan officers' motivation levels of using an ES was examined.

• Information Systems Review
• /
• v.7 no.2
• /
• pp.229-255
• /
• 2005

The Korea Development Bank promoted a total outsourcing for IT operation in 1999 for the first time in the banking industry. The Korea Development Bank became the center of public attention because the most banks were unwilling to take an outsourcing with external sources for the reason of financial operation accidents, securities, and threats of strikes. After the introduction of the total IT outsourcing, the Korea Development Bank has continuously diagnosed the problems of the IT outsourcing and adopted various proper complements for the enhancement of the IT outsourcing. As the result of the enhancement, the IT outsourcing of the Korea Development Bank marched into the joint liability operation period after going through the outsourcing operation period and the co-operation period. The joint liability operation which is the most leading outsourcing system which is adopted by the Korea Development Bank for the first time in the banking industry. Through the joint liability operation, the Korea Development Bank could accept the most up-to-date IT, concentrate internal manpower on the core capability, and secure flexibility of manpower. Also, the bank changed the relationship between the bank and the external sources from the one-sided relationship between a producers and a consumer to the joint liability relationship on which both sides are responsible for the operation, and could integrate the internal capacity with the professional know-how of the external IT outsourcing company. In this paper, we testified the soundness and validity for the worries of banks about the total IT outsourcing with external sources. And, we arranged the advantages and outcomes of the total IT outsourcing with external sources compared to the IT outsourcing with internal sources. Moreover, we expect that we can improve the closed financial IT outsourcing industry structure and raise the world competitive power of domestic IT outsourcing companies by correcting wrong ideas on the IT outsourcing with external sources.