The Effects of Financial Literacy, Self-Efficacy and Self-Coping on Financial Behavior of Emerging Adults

CHONG, Kok Fei,SABRI, Mohamad Fazli,MAGLI, Amirah Shazana,ABD RAHIM, Husniyah,MOKHTAR, Nuradibah,OTHMAN, Mohd Amim Korea Distribution Science Association 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.3

This study examines the relationship between financial behavior, financial literacy, self-efficacy, and self-coping among emerging adults. The study population is 790 respondents from 11 Credit Counselling and Debt Management (CCDM). Statistical Package for Social Science (SPSS) was used to analyze Pearson Correlation and Multiple regression. It was used to determine the relationships and recognize determinants of emerging adults' financial behavior respectively. In this study, financial literacy, self-efficacy, self-coping, and financial behavior variables were entered into the regression. A total of 790 respondents aged 40 and below were selected. An independent sample t-test was administered to compare the financial behavior scores for females and males. The results reveal that there was significant difference in the mean of financial behavior scores for females (M = 87.20, SD = 18.00) and males (M = 89.70, SD = 16.80; t (765) = 2.010, p = 0.045, two-tailed). The multiple regression results indicate that the model explained 13.4% of the variance in financial behavior, which is predicted significantly by the model (F = 38.361, p = 0.000). This study will be beneficial to policymakers to improve living conditions and to promote good financial behavior, financial literacy, self-efficacy as well as self-coping especially for emerging adults in Malaysia.

The Moderating Role of Fintech App Usage in Lower-Income Households in Malaysia: A Financial Well-Being Roadmap

Mohamad Fazli Sabri,Siti Shazwani Ahmad Suhaimi,Nur Shuhamin Nazuri,Amirah Shazana Magli,Nik Ahmad Suffian Burhan,Mohd. Amim Othman 국제금융소비자학회 2023 The International Review of Financial Consumers(IR Vol.8 No.2

In Malaysia, the B40 group represents households with a monthly income below MYR4,850 (USD1,093), constituting the lowest 40% of earners facing economic challenges. Amid rising living costs and employment instability, managing finances becomes crucial. Fintech apps, known for accessibility and convenience, offer various financial services. A cluster sampling strategy was used to identify 1,948 B40 households from across Peninsular and East Malaysia to serve as the study's sample population. The data was obtained through a cross-sectional study then scrutinised via SEM-PLS. This study aims to determine factors such as locus of control, financial knowledge, and financial behaviour concerning the usage of fintech apps that impact the financial well-being of Malaysian B40 households. The study findings indicate a significant positive correlation between an individual's Financial Knowledge and Locus of Control toward Malaysia B40 Financial Well-Being. The study suggests that Financial Behaviour partially mediates the relationship between Financial Knowledge, Locus of Control, and Financial Well- Being. The study also indicates that Fintech App Use moderates the relationship between Financial Knowledge, Locus of Control, and Financial Well-Being. The present study contributes to the theoretical understanding of financial well-being by investigating the mediating and moderating factors influencing this construct.

Hyaluronic acid reduces inflammation and crevicular fluid IL-1β concentrations in peri-implantitis: a randomized controlled clinical trial

Elena Sánchez-Fernández,Antonio Magán-Fernández,Francisco O’Valle,Manuel Bravo,Francisco Mesa 대한치주과학회 2021 Journal of Periodontal & Implant Science Vol.51 No.1

Purpose: This study investigated the effects of hyaluronic acid (HA) on peri-implant clinical variables and crevicular concentrations of the proinflammatory biomarkers interleukin (IL)- 1β and tumor necrosis factor (TNF)-α in patients with peri-implantitis. Methods: A randomized controlled trial was conducted in peri-implantitis patients. Patients were randomized to receive a 0.8% HA gel (test group), an excipient-based gel (control group 1), or no gel (control group 2). Clinical periodontal variables and marginal bone loss after 0, 45, and 90 days of treatment were assessed. IL-1β and TNF-α levels in crevicular fluid were measured by enzyme-linked immunosorbent assays at baseline and after 45 days of treatment. Clustering analysis was performed, considering the possibility of multiple implants in a single patient. Results: Sixty-one patients with 100 dental implants were assigned to the test group, control group 1, or control group 2. Probing pocket depth (PPD) was significantly lower in the test group than in both control groups at 45 days (control 1: 95% CI, −1.66, −0.40 mm; control 2: 95% CI, −1.07, −0.01 mm) and 90 days (control 1: 95% CI, −1.72, −0.54 mm; control 2: 95% CI, −1.13, −0.15 mm). There was a trend towards less bleeding on probing in the test group than in control group 2 at 90 days (P=0.07). Implants with a PPD ≥5 mm showed higher levels of IL-1β in the control group 2 at 45 days than in the test group (P=0.04). Conclusions: This study demonstrates for the first time that the topical application of a HA gel in the peri-implant pocket and around implants with peri-implantitis may reduce inflammation and crevicular fluid IL-1β levels. Trial Registration: ClinicalTrials.gov Identifier: NCT03157193

창원시 초등학교 아동의 영구치우식증실태

오막엽,도애옥,이지혜,심외정,이상옥,허목,장동수,나수정,김진범,류진경 韓國保健敎育學會 1997 보건교육건강증진학회지 Vol.14 No.1

In order to develop the programme for the improvement of dental health among primary school children, epidemiological survey to examine dental caries status was conducted among primary school children in Changwon, Korea. We sampled 2 primary schools and surveyed children from first to sixth grade aged 6-11 years. All samples were 3,206 consisted of 1,715 males and 1,491 females. We assessed caries prevalence on permanent teeth. 1. Children with caries experience on permanent teeth were 15.1% at 1st grade, 48.2% at 2nd grade, 73.8% at 3rd grade, 75.65 at 4th grade, 76.8% at 5th grade, 77.4% at 6th grade. 2. Decayed, Missing and Filled teeth were 0.31 at 1st grade, 1.16 at 2nd grade, 2.12 at 3rd grade, 2.38 at 4th grade, 2.50 at 5th grade, 2.69 at 6th grade. 3. Decayed teeth among Decayed, Missing and Filled teeth were totally 63.4% Filled teeth among Decayed, Missing and Filled teeth were totally 36.6%. 4. Community dental health programmes including water fluoridation, fluoride mouth rinsing, use of fluoride-containing toothpastes and fissure sealants should be developed to prevent dental caries among school children. 5. School incremental dental care programme should be also developed to prevent and treat children's dental caries by use of dentists and oral hygienists.

에밀 브룬너의 형제 개념에 근거한 사회민주주의

김막미 ( Mag Mi Kim ) 한국개혁신학회 2011 한국개혁신학 Vol.32 No.-

본 논문은 에밀 브룬너의 사회 민주주의에 대한 이해에 대한 고찰이다. 이 연구를 통하여 형제정신으로 하나 되는 진정한 공동체를 탐구하고자 한다. 이를 위하여 이 논문은 브룬너의 신학 저서들 특히 정의와 사회질서, 정의와 자유에 대한 문헌 연구 방법을 취할 것이고 더불어 브룬너의 신학저서들과 관련되는 여러 자료들이 중요하게 참조될 것이다. 사회 민주주의에 대한 브룬너의 주장은 두드러진 측면이 있다. 브룬너가 주장하는 사회민주주의 공동체는 형제 사랑에 근거한 기독교적인 사회 민주주의에 연결되어 있다. 기독교 신앙에 기초한 브룬너의 사회민주주의는 교회 공동체와 세상 공동체를 연결하는 매개체가 된다는 점에서 공동체 모델을 새롭게 한다. 또한 그의 공동체는 막시즘의 실패와 자본주의의 해로운 결과에 대한 대안으로 제시된다는 점에서 중요하다 하겠다. 다시 말해서 브룬너의 사회민주주의 공동체는 세계 만민을 그리스도의 사랑 안에서 형제애를 나누는 공동체인 것이다. 그러므로 진정한 사회 민주주의 공동체는 십자가에 죽으신 그리스도의 희생적인 사랑에 연결되어져야만 한다. 브룬너가 주장하는 형제 사랑으로서의 사회 민주주의가 성공하기 위해서는 하나님의 영에 의하여 변화된 그리스도인들의 역할이 결정적으로 중요하다. 이것은 그리스도의 형제애로 충만한 그리스도인들의 출현을 요구하고 있다. 브룬너의 하나님에 대한 신앙은 형제 사랑으로서 공동체 속에 나타나며, 나아가 세계 만민이 하나 되는 열망을 내포하고 있다. 형제를 존중하고 사랑하는 정신은 오직 하나님의 영에게 인간이 복종할 때에 가능하다. 브룬너는 하나님에 대한 신앙과 형제사랑과 사회 민주주의를 밀접한 관계 속에서 파악하고 있기 때문에 사회 민주주의의 전제가 되는 것으로, 진정한 기독교 신앙으로 거듭난 개인을 중요하게 부각시키고 있다. 브룬너는 이러한 거듭난 개인들의 형제사랑을 통하여 진정한 공동체인 사회 민주주의 공동체를 도출하고 있는 것이다. The purpose of this thesis is to study Emil Brunner`s understanding of social democracy. So this research is to explore the true community which will propose a community spirit as authentic brotherhood. This thesis takes the method of literature study by reading and examining Brunner`s theological works, especially Justice and the Social order and Justice and Freedom in Society and other study materials about his theology. Brunner`s assertion on the social democracy has remarkable aspect. Brunner`s community is connected to Christian social democracy in terms of brotherhood love. It is based on christianity faith. Considering this social democracy becomes a medium uniting church community and secular community, his assertion renews several existing community models. It is also critical that the model becomes an alternative to both the failure of Marxism and the harmful consequences of capitalism. In other words, Brunner`s social democracy community is that of brotherhood which leads all the people in the world to the love of Jesus. To achieve this, human community needs brotherhood to realize a better social democracy. Therefore true social democracy community must be related to agape, the sacrificial love of Jesus died on the cross. Also Christian transformed by the spirit of God must play a important role for the social democracy community to succeed. This demands the appearance of christians full of brotherhood of Christ.

몰트만의 십자가 신학에 대한 비판적 고찰 -고난 받는 하나님을 통한 희망의 발견

김막미 ( Mag Mi Kim ) 한국개혁신학회 2013 한국개혁신학 Vol.37 No.-

This article aims at discovering hope from suffering God, through a critical study on Moltmann`s theology of the cross. Moltmann, getting over the limits of traditional soteriology on the theology of the cross, reveals what is to God the meaning of Christ`s cross. His attempt shows the followings. First of all, it is Christ`s cross as the symbol of contradiction and negation that is the only way to liberate human beings from all the pain and oppression of the world. From Christ crucified on the cross all hope and future is generated. Second, it is exemplified that God is not the metaphysical God without pathos but the God with passion. This means that the God with passion is the God with love who suffers together with and participate in his creation`s pain. Third, the event of the cross leads us up to the very event of Trinitarian God as the event occurring between the Son and the Father. Accordingly there is no other way for God`s suffering to be unfolded but only by Trinitarian. The Trinitarian event of the cross comes to the way of exposing God`s passionate love towards the world. The fact that Christ`s suffering on the cross was God`s suffering indicates that God is who participate all suffering and pain of human beings. Fourth, the Trinitarian event of the cross is now turned into the eschatological hope. The Trinitarian cannot be separated from the event of the cross accompanied by the eschatological interpretation on faith. Further, it will be made clear that the event implies reconciliation with suffering in the midst of the love and the end of history is transformed into the whole vividness. This is because it is the very one crucified on the cross that provides freedom being able to change this world and liberation from suffering and oppression, and can open the door to the future. 이 논문의 목적은 몰트만의 십자가 신학에 대한 비판적 고찰을 통해, 고난 받는 하나님에게서 희망을 발견하고자 하는 것이다. 그는 십자가 신학의 구원론에 대한 전통적인 한계를 넘어서서 그리스도의 십자가가 하나님에게는 어떤 의미가 있는가를 주목하고 있다. 첫 번째로 모순과 부정의 상징이었던 그리스도의 십자가가 세상의 모든 고통과 억압들로부터 인간을 해방시킬 수 있는 유일한 근거가 됨을 밝힌다. 모든 미래와 희망은 십자가에 못 박힌 그리스도로부터 생성 된다고 진술한다. 두 번째로 하나님은 형이상학적인 무감정의 신이 아니라 정열의 신임을 예시한다. 정열의 하나님은 피조물의 고난에 연대하여 함께 고통을 겪으시는 사랑의 하나님이심을 나타낸다. 세 번째로 십자가의 사건은 바로 성자와 성부사이에 일어난 사건으로서 삼위일체 하나님의 사건으로 나아가게 한다. 따라서 하나님의 고난은 삼위일체론적으로만 전개되어 질수 있음을 예시한다. 삼위일체론적 십자가 사건은 세상을 향하여 하나님의 정열의 사랑을 드러내는 통로인 것이다. 즉 십자가상에서 그리스도의 고난은 바로 하나님의 고난이었으며 이것은 인간의 모든 고난과 고통에도 함께 하시는 하나님임을 예시하게 될 것이다. 네 번째로 삼위일체론적 십자가 사건이 종말론적 희망이 됨을 명시 한다. 삼위일체성은 신앙의 종말론적 해석과 함께 일어나는 십자가의 사건을 의미한다. 따라서 이것은 사랑 가운데에서 이루어지는 고통과의 화해를 의미하며, 역사의 종말은 완전한 생동성에로의 변화를 의미함을 명시할 것이다. 왜냐하면 십자가에 달린 그 분만이 이 세계를 변화시킬 수 있는 자유를 제공하기 때문이다. 왜냐하면 십자가에 달린 그분만이 인간의 고난과 억압들로부터 해방을 제공할 수 있으며 미래를 열어 줄 수 있기 때문이다.

Measurement Method for the Coefficient of Thermal Expansion of Pristine 2D Materials

Alexander E. Mag-isa(맥이사알렉산더),Jae-Hyun Kim(김재현),Chung-Seog Oh(오충석) 대한기계학회 2015 대한기계학회 춘추학술대회 Vol.열공학 No.-

객체 재사용성 향상을 위한 레거시 시스템 인터페이스기반 객체추출 기법 (pp.472-474)

이창목(Chang-Mag Lee),최성만(Seong-Man Choi),유철중(Cheol-Jung Yoo),장옥배(Ok-Bae Chang) 한국정보과학회 2004 한국정보과학회 학술발표논문집 Vol.31 No.2Ⅱ

본 연구는 레거시 시스템의 인터페이스 정보로부터 의미 있는 정보를 파악하여 새로운 시스템에 통합될 수 있도록 하기 위한 기존 레거시 시스템의 인터페이스에 기반한 객체추출 기법을 제안한다. 본 논문에서 제안하는 객체추출 기법은 인터페이스 사용사례 분석 단계, 인터페이스 객체 분할 단계, 객체구조 모델링 단계, 객체 모델 통합 단계 등 4단계로 구성되어 있다. 인터페이스 사용사례 분석 단계는 인터페이스 구조, 레거시 시스템과 사용자간의 상호작용 정보를 획득하는 단계이다. 인터페이스 객체분할 단계는 인터페이스 정보를 의미 있는 필드들로 구분하는 단계이며 객체구조 모델링 단계는 인터페이스 객체들간의 구조적 관계와 협력 관계를 파악하여 모델링하는 단계이다. 마지막으로 객체 모델 통합 단계는 객체 단위의 단위 모델들을 통합하여 추상화된 정보를 포함한 상위 수준의 통합 모델을 유도하는 단계다. 객체추출 기법에 의해 생성된 객체 통합 모델은 역공학 기술자들의 레거시 시스템 이해와 레거시 시스템의 정보를 새로운 시스템에 적용하는데 있어 효율성을 극대화할 수 있다.

Coefficient of Thermal Expansion Measurements for Freestanding Nanocrystalline Ultra-Thin Gold Films

Alexander Elceario Mag-isa,오충석,장봉균,김재현,이학주 한국정밀공학회 2014 International Journal of Precision Engineering and Vol. No.

The out-of-plane coefficient of thermal expansion (CTE) measurement method, which is named the thermal bulge method, was used to measure the linear CTE values for freestanding nanocrystalline ultra-thin gold films with thicknesses ranging from 115 to 1200 nm. White light interferometry was used to determine the out-of-plane thermal deformation as a function of temperature. The thermal strain showed a linear behavior in the temperature range of 20 to 100oC, but varied with the thickness (or grain size) of the specimen. The grain sizes, which were measured by transmission electron microscopy (TEM), showed a strong correlation with the CTE: Specimens with larger grain sizes (44 to 98 nm) had greater CTE values (9.6 to 13.6 ppm/oC). Starting from the CTE values for fine-grained materials, the CTE of nanocrystalline gold films increased with increasing grain size and approached the CTE of bulk gold. The thermal bulge method, which was previously developed by the authors, allowed for direct, repetitive, reliable, and quick measurement of the CTE values of ultra-thin gold films.

Swift Synthesis of CVD-graphene Utilizing Conduction Heat Transfer

Sang-Min Kim,Alexander E. Mag-isa,Chung-Seog Oh,Kwang-Seop Kim,Jae-Hyun Kim,Hak-Joo Lee,Jonghyuk Yoon,Eun-Kyu Lee,Seung-Mo Lee 한국진공학회 2013 한국진공학회 학술발표회초록집 Vol.2013 No.2