• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.5
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• pp.77-90
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• 2023

This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

• Safety and Health at Work
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• v.6 no.2
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• pp.134-138
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• 2015

Background: Noise-induced hearing loss (NIHL) is a major preventable occupational health problem with 250 million people worldwide known to have disabling impairment of moderate to greater severity. The aims of the study are to estimate the prevalence of NIHL in the police force; and study its association with age, sex, duration of service (years), smoking and alcohol habits, use of hearing protective devices, as well as preexisting chronic diseases. Methods: A cross-sectional study was conducted on 543 police personnel who had undergone periodic medical examination over a 12-month period. The diagnostic criteria for NIHL were (1) history of occupational noise exposure, (2) bilateral hearing loss, (3) hearing loss of ${\geq}25dBA$ at 4,000 Hz in two consecutive audiograms, and (4) no significant medical history affecting hearing. Severity of NIHL was based on the World Health Organization grading. Results: Males (74.8%) made up the majority of the police force. The mean age for police personnel was $35.55{\pm}9.57years$, and the mean duration of service was $14.75{\pm}9.39years$. Compliance with the usage of hearing protective devices was seen in 64.4%. The prevalence of NIHL in this study population was 34.2%, with a higher prevalence in males (37.7%) than in females (23.9%). The study also showed strong associations between NIHL and male sex (odds ratio, 1.9; P < 0.05), and hypertension (odds ratio, 3.3; P < 0.001). Overall, 93% were found to have mild NIHL, 3.5% had moderate NIHL, and 3.5% had severe NIHL. No police personnel were found to have profound hearing loss. Conclusion: The prevalence of NIHL in this study is high compared to other similar studies among police personnel. This study shows that increasing age, male, presence of hypertension, diabetes, and longer duration of service are significant associated factors for NIHL. Preventative strategies include health surveillance, implementation of a hearing conservation program, and legislation.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.5 no.12
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• pp.2272-2293
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• 2011

Communication technology of future networks is predicted to provide a large variety of services including WiFi service in vehicular network. In this paper, we assume that vehicles are embedded with WiMAX antenna and in-vehicle terminals receive WiMAX traffic through WiFi interface. This assumption will impose severe performance degradation due to interference among mobile BSSs when WiFi access points (APs) are densely located. Existing interference avoidance techniques cannot properly resolve the above problems and do not cope with dynamically moving vehicular scenario since they focus only on the fixed network topology. In this paper, we propose a mobility-aware interference avoidance scheme for WiFi services. The proposed scheme computes the interference duration by exploiting mobility vector and location information of neighboring APs. If the interference duration is not negligible, our scheme searches for another channel in order to avoid interference. However, if the interference duration is negligible, our scheme continues to use the channel to reduce switching overhead. To measure the effectiveness of the proposed scheme against other existing techniques, we evaluated performance by using OPNET simulator. Through the simulation, we obtained about 60% reduction in the maximum interference frequency and about 67% improvement in throughput. Furthermore, our scheme provides fair channel usage.

• Journal of the Korea institute for structural maintenance and inspection
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• v.7 no.1
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• pp.147-156
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• 2003

In this research, multiple corrosion factors of buried environments were measured in order to establish a formula for the corrosion character of corrugated steel structures in domestic environments. By substituting corrosion factors for each predicting formula, the durable lifetime was measured, and the measured lifetime was compared with the estimated lifetime by applying existing thickness-measuring techniques. A new usage standard was proposed with these results, in order to create the conclusion below. There are known differences in the soil factors used as variables in estimating the duration caused by the seasonal effects of rainfall and temperature. Comparing the durable lifetime estimated by each predicting formula, the findings show that the California technique is conservative. This study demonstrates that the error range of the AISI technique, which is mostly used as a duration technique, is a very narrow predicting technique as compared with many other countries. Considering that there is on average, a 13% error margin in this study, a proposed safety factor of 0.87 could be used to more accurately predict the duration. The laying time in the California technique is not longer than the whole durability, and as a result, this error margin exists. It is concluded that this study on the open area has been overdue. Based on these findings, it's proposed that this error margin should be applied to the domestic environment through periodic observation, in order to establish the predicting techniques of durable lifetime.

• Archives of Plastic Surgery
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• v.51 no.1
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• pp.36-41
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• 2024

Background Among breast reconstruction methods, implant-based breast reconstruction has become the mainstream. However, periprosthetic infection is still an unresolved problem. Although published articles have revealed that limited use of antibiotics is sufficient to reduce infection rates, the number of surgeons still preferring elongated usage of antibiotics is not less. The aim of our study is to validate the appropriate duration of antibiotic use to reduce infection rate after implant-based breast reconstruction. Methods A retrospective study reviewed medical record of 235 patients (274 implants for reconstruction) who underwent prepectoral direct to implant breast reconstruction using acellular dermal matrix wrapping technique. Infection rates were analyzed for the patients administered postoperative prophylactic antibiotics until drain removal and those who received only perioperative prophylactic antibiotics for 24 hours. Results Of the 274 implants, 98 who were administered prophylactic antibiotics until drain removal had an infection rate of 3.06% (three implants) and 176 who received prophylactic antibiotics no longer than 24 hours postoperatively had an infection rate of 4.49% (eight implants). A total of 11 patients diagnosed with postoperative infection clinically, 8 were salvaged by antibiotic treatment, and 3 had implant removal and replacement with autologous flap. Postoperative antibiotic prophylaxis duration had no statistically significant effects in the risk of infection (p = 0.549). Conclusion The duration of prophylactic antibiotics after surgery was not related to infection risk. Further study with a large number of patients, randomized control study, and route of antibiotics is needed.

• Journal of Internet Computing and Services
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• v.15 no.2
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• pp.87-94
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• 2014

Social media which includes Facebook enable users to construct relationships and networks as well as sharing of information. By enlisting Facebook users as proxy, this paper attempted to analyze the different emotional states experienced by social media users, specifically to gauge what effect their usage motivation and usage pattern had on the ambivalence level of the users. The quantitative survey result revealed that usage duration or the time of day when Facebook was accessed had no relevant impact on one's ambivalence level. However, there was a direct correlation between frequency of Facebook usage and the ambivalence level. The more the user logged onto Facebook the more suppressed his or her expression became due to fear of giving negative impressions to others and also receiving their negative feedbacks, which then subsequently added to the user's ambivalence. People's main reasons for using Facebook were identified as "chatting," "communicating," "maintaining relationships," "relationship building," "networking," and "finding information about friends," but only "maintaining relationships," "communicating," and "networking" had observable effect on ambivalence. There were no noticeable differences among genders with regards to ambivalence and usage levels, but there was a marked difference based on the user's age. For example, people in their forties showed higher levels of ambivalence than those in their twenties. This may be attributed to anxiety they face as they use Facebook primarily to expand their networks and to maintain relationships. As such, it is surmised that their fatigue level from using social media will only increase. Meanwhile, Korean Facebook user's emotional manifestation tended to skew toward relation-involved ambivalence rather than the self-defensive type. This relation-involved ambivalence might be something that can actually help prevent damage to relationships by limiting excessive emotional expressions. In other words, such ambivalence by Facebook users may be a positive element in a user's social media interaction.

• ETRI Journal
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• v.37 no.2
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• pp.273-282
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• 2015

Vehicle-to-grid presents a mechanism to meet the key requirements of an electric power system, using electric vehicles (EVs) when they are parked. The most economic ancillary service is that of frequency regulation, which imposes some constraints regarding the period and duration of time the vehicles have to be connected to the grid. The majority of research explores the profitability of the aggregator, while the perspective of the EV fleet owner, in terms of their need for usage of their fleet, remains neglected. In this paper, the optimal allocation of available vehicles on a day-ahead basis using queuing theory and fuzzy multi-criteria methodology has been determined. The proposed methodology is illustrated on the daily scheduling of EVs in an electricity distribution company.

• Proceedings of the Acoustical Society of Korea Conference
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• autumn
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• pp.37-40
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• 1999

In this paper, we presented the prosody analysis results of five selected words according to its usage in a sentence, i.e.. the part of sentence (PoS) while changing the type of sentences such as simple, conjugate, and complex sentences. The selected five Korean words were 'U-Ri-Na-Ra' 'Bul-Kuk-Sa', 'Uh-Muh-Ni', 'Han-Ra-San', and 'Cang-A-Ji'. These five words were used as a subjective, an objective, and an adverb in each simple, conjugate, and complex sentence. The pitch, energy, and duration of each word were then analyzed and used for the synthetic speech prosody Improvement. The subjective test on the prosody improvement showed that more than $50\%$ of our listeners are affirmative to the prosody Improvement of the synthetic speech.

• Proceedings of the KIEE Conference
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• 1990.11a
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• pp.421-424
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• 1990

An iterative learning control scheme for exact-tracking control and parameter estimation of uncertain robotic systems is presented. In the learning control structure, tracking and feedforward input converge globally and asymptotically as iteration increases. Since convergence of parameter errors depends only on the persistent exciting condition of system trajectories along the iteration independently of length of trajectories, it may be achieved with only system trajectories of small duration. In addition, these learning control schemes are expected to be effectively applicable to time-varying parametric systems as well as time-invariant systems, for the parameter estimation is performed at each fixed time along the iteration. Finally, no usage of acceleration signal and no in version of estimated inertia matrix in the parameter estimator makes these learning control schemes more feasible.

• The Journal of Fisheries Business Administration
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• v.47 no.4
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• pp.1-13
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• 2016

Fish mortality is the most important success factor in aquaculture management. To analyze the effect of mortality considering biological and economic condition is a important problem in land-based aquaculture. This study is aimed to analyze the effect of mortality for duration of cultivation in land-based aquaculture. This study builds the mathematical model that finds the value of decision variable to minimize cost that sums up the water pool usage cost, sorting cost, fingerling cost and feeding cost under critical standing corp constraint. The proposed mathematical model involves many aspects, both biological and economical: (1) number of fingerlings (2) timing and number of batch splitting event, based on (3) fish growth rate, (4) mortality, and (5) several farming expense. Numerical simulation model presented here in. The objective of numerical simulation is to provide for decision makers to analyse and comprehend the proposed model. When extensive biological and cost data become available, the proposed model can be widely applied to yield more accurate results.