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Lifestyle Segmentation: The Comparison of Islamic and Conventional Banking Customers in Indonesia
Yudi Sutarso,Elly Rustiana,Rizky Amalia Hanum,Gunawan Wibiksono K 한국유통과학회 2012 유통과학연구 Vol.10 No.8
Understanding customer’ lifestyles important for banks because it will guide in determining marketing policies, such as services, pricing, service delivery and promotion decisions. From the customer’ lifestyle, banks will know what kind of customers’ attitudes, interests and opinions, so they also will understand what the costumer’ needs and what services needed by them. For Islamic banks, customers understanding are important because, nowadays, the competition of the banks is not only with other Islamic banks but also with the well-established conventional banks offering Islamic products or services The aims of this research paper are to describe what factors underline the customer’s lifestyle of both Islamic and conventional bank, to segment the bank customers based on their lifestyles and investigate the profile of each segments, to compare the characteristics of the segments, and to identify marketing policies based on the characteristics. The population of the study is banking customers in Indonesia, in which the researchers have used judgment sampling as sample selection. There were 186 customers of Islamic banks and 244 customers of conventional bank as respondents in this study. Statistical methods employed were exploratory factor analysis and cluster analysis. The finding of the study shows that there are twelve factor underlining the customers’ lifestyle, namely: factor of fashion conscious, internet usage, sports spectator, financial and technology optimism, price sensitivity, independent, compulsive housekeeper, new brand tryer community activities, opinion leader, credit usage, and homebody. In addition, for Islamic banking, there are two market segments, namely fashionable-independent and innovative-social segment. Based on the lifestyle characteristics, the first segment has higher level in factor of fashion conscious, homebody, independent, optimism and price conscious, which is therefore called fashionable-independent segment. On the other hand, the second cluster has higher level in factor of new brand tryer, community minded, sport spectator, credit user, internet usage, opinion leader, and compulsive housekeeper, which is therefore called the innovative-social segment. Furthermore, for conventional banking, there are also two segments, namely persuasive-optimistic and sensitive-independent segment. The first segment has higher level on some factors, namely: opinion leader, optimism, internet usage rate, credit usage level, sport spectator, and new brand tryer. On the other hand, the second cluster is characterized by higher level in factor of price conscious, confidence, community minded, homebody, fashion conscious, and compulsive housekeeper. Managerial implications for the management of Islamic banks could be identified in this study as follows. Firstly, the twelve lifestyle factors of this study could be an alternative view in observe Islamic banking customers. The domination of both the fashionable conscious and the internet usage factor show that the aspects are quite instrumental in perceiving the customer’ lifestyles, in which reflects the importance of these two aspects to customers. Secondly, in serving their customers, Islamic banks need to understand the customer lifestyle, in which the lifestyle segments found in this study provide a guide of how their needs were reflected. Finally, by understanding the segments and the characteristics each segment of the conventional banks, Islamic banks could adjust their marketing strategies differently from the conventional banks.
Lifestyle Segmentation : The Comparison Of Islamic and Conventional Banking Customers in Indonesia
Yudi Sutarso,Elly Rustiana,Rizky Amalia Hanum,Gunawan Wibiksono K 한국유통과학회 2012 KODISA ICBE (International Conference on Business Vol.2012 No.-
Understanding customer’ lifestyle is important for banks because it will guide in determining marketing policy, such as decision of products or services, pricing, service delivery and promotion. From the customer’ lifestyle, banks will know what kind of customers’ attitudes, interests and opinions, so they also will understand both what the costumer’ needs and what services needed by them. This study aims to determine the grouping of Islamic banking customers, based on their lifestyle. The study used the population of banking customer in Indonesia, in which the sample selection is conducted by a judgment sampling. The number of respondents was 186 customers of Islamic banks and as a comparison there were 244 customers of conventional bank. Statistical methods used in this study were exploratory factor analysis and cluster analysis. The finding of the study shows there are twelve factor underlining the customers’ lifestyle, i.e. factor of fashion conscious, internet usage, sports spectator, financial and technology optimism, price sensitivity, independent, compulsive housekeeper, new brand tryer community activities, opinion leader, credit usage, and homebody. Also, the other finding is there are two market segments for Islamic banking, namely fashionable-independent and innovative-social segment. Furthermore, there are two segments for conventional banking, namely persuasive-optimistic and sensitive-independent. Marketing implications for the segments will also be discussed in the paper.
The Evolution of Korea's Basic Acts on Science and Technology and their Characteristics
Lee, Changyul,Lee, Elly Hyanghee,Kim, Seongsoo Asian Society for Innovation and Policy 2021 Asian Journal of Innovation and Policy Vol.10 No.3
This study examined the evolution of S&T Basic Acts in Korea from the Science and Technology Promotion Act (1967) through the Special Act on STI (1997) to the Framework Act on Science and Technology (2001) in the following aspects: 1) comprehensive plans, 2) coordination mechanisms for S&T policies, 3) enforcement of R&D programs and performance diffusion, 4) promotion of human resources, 5) and S&T investment and budgeting. Before the Framework Act on S&T was enacted in 2001, critical issues were found in establishing S&T master plans, promotion of R&D programs, comprehensive coordination mechanisms, and R&D budgeting. The three Basic Acts have expanded the scope of regulation over time to cover the entire cycle of the S&T process. They concern a wide range of issues, including creating a basis for scientific and technological development, S&T promotion, disseminating and commercializing research outcomes, and preventing adverse effects from science and technology. The content of the Basic Acts has evolved in response to changes in the political, economic, and social environment of Korean industry during the past five decades.
한국-중유럽 3국 과학기술 국제협력 전략 연구: ICT, 에너지, 소재 분야 정부출연연구기관을 중심으로
성경모 ( Kyungmo Sung ),이향희 ( Elly Hyanghee Lee ),김소은 ( Soeun Kim ) 국제지역학회 2021 국제지역연구 Vol.25 No.1
중유럽 3개국(폴란드, 체코, 헝가리)은 한국의 대(對) 유럽 수출과 투자에 핵심적인 대상으로 2015년 정상회의급 교류를 기점으로 하여 현재 ICT, 에너지, 소재 분야에서 협력 논의를 활발하게 진행하고 있다. 본 연구는 한국의 정부출연연구기관(출연(연))을 중심으로 중유럽 3개 국과의 과학기술 국제협력을 위한 정책적 제언을 제시하는 것이 목적이다. 이를 위해 ICT, 에너지, 소재 분야를 대표하는 국내 출연(연) 담당자들과의 심층 인터뷰 및 설문조사를 통해 국제협력 환경요인을 도출해 내고 과학기술 국제협력 전략을 분석하였다. 분석한 결과를 토대로 출연(연)이 중유럽 3개국과의 국제협력 전략으로 기술 추구형, 참여형, 조정형, 자원의존형을 채택하고 있음을 밝혀내었다. 본 연구는 ICT, 에너지, 소재 분야에서 잠재력이 큰 중유럽 국가들과 한국 출연(연)의 국제협력 환경 조력요인 및 제약요인을 파악하고 과학기술 분야 국제협력 전략에 대한 시사점을 제안하였다는 점에서 의의가 있다. This study aimed to derive policy recommendations for international cooperation in science and technology with three Central European countries (Poland, Czech Republic, Hungary), centering on the government-funded research institutes in Korea. To this end, in-depth interviews and surveys with government-funded institutes (the institutes) representing ICT, energy, and materials sectors were conducted to derive environmental factors for international cooperation and analyze strategies for international cooperation in science and technology. Based on the results of the analysis, this study found out that the institutes adopted four different types of strategies, the technology-seeking type, participatory type, coordinated type, and resource-dependent type, as an international cooperation strategy with all three Central European countries.