Detecting of Proximal Caries in Primary Molars using Pen-type QLF Device

조혜진,김현태,송지수,신터전,김정욱,장기택,김영재,Cho, Hyejin,Kim, Hyuntae,Song, Ji-Soo,Shin, Teo Jeon,Kim, Jung-Wook,Jang, Ki-Taeg,Kim, Young-Jae Korean Academy of Pediatric Dentistry 2021 대한소아치과학회지 Vol.48 No.4

The purpose of this in vivo study was to assess the clinical screening performance of a quantitative light-induced fluorescence (QLF) device in detecting proximal caries in primary molars. Fluorescence loss, red autofluorescence and a simplified QLF score for proximal caries (QS-proximal) were evaluated for their validity in detecting proximal caries in primary molars compared to bitewing radiography. Three hundred and forty-four primary molar surfaces were included in the study. Carious lesions were scored according to lesion severity assessed by visual-tactile and radiographic examinations. The QLF images were analyzed for two quantitative parameters, fluorescence loss and red autofluorescence, as well as for QS-proximal. For both quantitative parameters and QS-proximal, the sensitivity, specificity and area under receiver operating curve (AUROC) were calculated as a function of the radiographic scoring index at enamel and dentin caries levels. Both quantitative parameters showed fair AUROC values for detecting dentine level caries (△F = 0.794, △R = 0.750). QS-proximal showed higher AUROC values (0.757 - 0.769) than that of visual-tactile scores (0.653) in detecting dentine level caries. The QLF device showed fair screening performance in detecting proximal caries in primary molars compared to bitewing radiography.

Effects of Task Complexity on English Argumentative Writing

조혜진,Hyejin Cho 한국영어교육학회 2015 ENGLISH TEACHING(영어교육) Vol.70 No.2

The purpose of this study is to examine the effects of task complexity on the quality of L2 learners’ argumentative writing using both global measures of complexity, accuracy, and fluency (CAF) and task-specific measures, namely, for conjunctions. A group of 110 Korean high school students in South Korea performed either a simple or complex argumentative writing task. Task complexity was manipulated by +/–reasoning demands and +/–few elements. A set of 110 argumentative essays were analyzed on 6 global measures of CAF and 2 task-specific measures. The results showed that task complexity affected the fluency of the argumentative writings, in that the complex task group produced more fluent writings than the simple group. However, task complexity did not affect accuracy or syntactic complexity of the argumentative writings. In the task-specific measures, task complexity affected neither frequency nor target-like use of conjunctions. These results have pedagogical implications for task design to help learners develop their L2 proficiency.

한국 자산운용사의 스튜어드십 코드, 의결권 행사, 성과 간의 연관성

조혜진,Cho, Hyejin 부산대학교 경영연구원 2024 Journal of East Asia Management Vol.5 No.1

This study examines the relationship between institutional investors' shareholder activism and their performance, focusing particularly on the adoption of stewardship codes. The stewardship code includes guidelines for institutional investors to effectively fulfill the role of trustees and strengthen relationships with investee companies, with core elements such as enhancing shareholder rights. By analyzing the performance of institutional investors following the introduction of stewardship codes, this study aims increase understanding of the motivations behind institutional investors' active shareholder activism and the importance of stewardship codes. The study analyzes the relationship between the introduction of stewardship codes and the fidelity of voting rights exercised by asset management companies. According to the analysis, asset management companies that have adopted stewardship codes demonstrate higher performance compared to those that have not, particularly in terms of ROA performance. The result suggests a positive effect of stewardship adoption.

Assessing User Retention of Connected Home Appliances: Survival Analysis

조혜진(Hyejin Cho),감승수(Seungsu Kam),허찬범(Chanbeom Hur),김성일(Sungil Kim) 대한산업공학회 2024 대한산업공학회 춘계학술대회논문집 Vol.2024 No.5

자율적 보험구매의사결정과정 및 보험구매 결정요인 연구

조혜진 ( Cho Hyejin ),한지형 ( Han Jihyung ) 한국소비자학회 2020 소비자학연구 Vol.31 No.1

The purpose of this study was to help households’ risk management by addressing the autonomous insurance purchasing decision making process and determinants of autonomous insurance purchase decisions. To this end, a survey of 916 consumers with experience in purchasing insurance by the Korea Insurance Association of Insurance Contractors were analyzed. The analysis of data was conducted using the SPSS program for technical statistical analysis, cross analysis, t-test, and logistic regression. The main findings of this study are as follows. First, it was shown that autonomous insurance buyers were buying insurance through a more subjective decision-making process than nonprofit insurance buyers, and ultimately the subjective welfare level of consumers was also high. Therefore, rather than involuntary insurance purchases, consumers should be encouraged to understand the function of insurance and the need for risk management so that they can make purchases on their own needs. This requires consumers to understand the importance of risk management and the function of insurance, and education needs to identify that insurance products are essential in terms of household risk management and life stability. Second, insurance is more likely to determine self-regulating insurance purchases when families are married or held responsible, even though it is not only necessary under certain circumstances. Therefore, it will be necessary to shift consumers' perceptions so that they can clearly recognize the importance and necessity of insurance by emphasizing that insurance is always an essential commodity for risk management and preventative purposes. Third, differences in male and female propensity in autonomous insurance purchases indicated that different approaches were needed according to gender to help them buy insurance on their own. Specifically, women can have autonomous insurance management by clarifying the function of insurance and recognizing its necessity. On the other hand, men need to increase their awareness of the need for insurance while also increasing their trust and confidence in insurance. For example, a man may be able to help with autonomous risk management by allowing him to have a perception that he is well aware of insurance and trustworthy. Fourth, after looking at consumer behavior in each insurance purchase decision-making process, we found that there were some problems. first of all, alternative assessments of insurance products were not being carried out properly. It also showed that consumers did not understand exactly the products they purchased at the moment they purchased the insurance products. This could have an important impact on the difficulties or customer satisfaction of the post-purchase insurance claim process, and could lead to incomplete sales, so it is deemed necessary to have an institutional and technical device that enables consumers to purchase the product after a clear understanding of the product in the course of purchasing the insurance. Finally, for women or married people, the greater the recognition of the need, the more likely they are to know about insurance, the more likely they are to buy insurance on their own, and the more likely they are to buy insurance on their own. Therefore, based on gender characteristics, the conclusion was reached that a discriminatory approach was needed to purchase insurance products and manage the risks of households. In addition to the issue of incomplete sales in the financial market, financial consumers' sense of responsibility and ethics are being emphasized. Given the specificity of insurance products such as intangibility and universality, more consumers need to act on their own with autonomy in the process of deciding to purchase insurance. And this could soon lead to better well-being for consumers and households. In addition, the decision-making process for autonomous insurance purchases has significant meaning in both personal and social terms as it can help prevent various insurance consumer problems, including incomplete sales, and the importance of autonomy in risk management has been identified.

금융소비자의 자산포트폴리오에 있어서 객관적 위험과 주관적 위험 비교 및 유형화 연구

조혜진 ( Hyejin Cho ),최현자 ( Hyuncha Choe ),박주영 ( Jooyung Park ) 한국소비자학회 2014 소비자학연구 Vol.25 No.1

The purpose of this study is to identify the objective and subjective risk levels of the household asset portfolio and help investment consumers make decisions considering their risk factors. 3,490 Korean adults`` data were used for descriptive statistics, t-test, F-test, and scheffe test using “2007 fund investors” research data by Korea Investor Education Foundation. As results, overall, the level of objective risk and subjective risk were relatively low. In case of 20% of all respondents, there were discrepancies between the level of objective risk and subjective risk. And the respondents were categorized into 4 groups according to the level of objective and subjective risk of their asset portfolio. Each group had different characteristics. The group with high objective risk and high subjective risk tends to be low-income and lowasset, and they had the risky asset portfolio and preferred taking risks. Second, The group with low objective risk and low subjective risk were likely to be females, the less educated, or the elderly. However, as its risk adjusted return is the highest, and they tend to be risk taker. Third, the group with low objective risk and high subjective risk tends to be risk-taking, but their risk adjusted return was relatively low. Lastly, the group with high objective risk and low subjective risk usually prefer financial assets. In conclusion, we need to help financial consumers realize their risk of financial portfolio so that they can make financial decisions considering their objective and subjective risk factor.

Assessing User Retention of Connected Home Appliances: Survival Analysis

조혜진(Hyejin Cho),감승수(Seungsu Kam),허찬범(Chanbeom Hur),김성일(Sungil Kim) 한국경영과학회 2024 한국경영과학회 학술대회논문집 Vol.2024 No.5

재무설계비용 지불의사와 지불금액 결정요인

조혜진 ( Hyejin Cho ),최현자 ( Hyuncha Choe ),김민정 ( Minjung Kim ) 한국소비자학회 2013 소비자학연구 Vol.24 No.1

In the increased consumer awareness about financial planning, the growth of household wealth and new financial investment products requires a professional financial planning and counseling service. In this research, consumers’ Willingness To Pay(WTP) analysis with contingent valuation method(CVM) about the financial planning counseling was examined, based on the theory of financial management systems. For this, demographic variables were utilized for the input variable, the expectation level for future income was utilized for the requirement variable, and the financial knowledge, attitude, and counseling goal were inputted on conversion process, so that it has been figured out how the family financial management is changed and revealed as a result of the payment willingness and expense. Also, the efficiency and value of financial counseling are tried to be measure with analysis about factors, which are influential to consumers’ willingness for payment and the amount, through WTP. For this research, 2,193 cases of investors in 2009 ‘Investors Survey’ of the Korea Investors Protection Foundation were also used. The data was used to analyze financial knowledge, attitude, and relations between the counseling goal and WTP, so that the payment and amount gaps for the financial counseling were analyzed and probit analysis and multiple regression analysis by Heckman’s two-step estimation were committed. According to the research result, first, consumers, who do not have enough financial knowledge, have requirements to have the counseling despite the cost and understand the necessity of professional financial counseling. However, groups, which consisted of persons that have insufficient financial knowledge, showed willingness to pay relatively low amount of cost for the counseling. Second, consumers, who prefer long-term investments and leveraged investments, showed willingness to pay high cost for the counseling. Since the long-term investment is uncertain, and the leverage investment and profit pursuing investment include the risk of loss for investment assets, consumers have seemed to require professional counseling for unstable and high-risk investment. Third, the goal of financial counseling for individual consumers seemed to be highly influential to the possibility of expense payment. Among various types of counseling, the later years planning and investments got more willingness for the counseling payment. Unlike the payment willingness, specific amount of payment for the counseling were not influenced by counseling goals, so that there were little gap among payment willingness for charged counseling areas.

중고령 임차가계의 주거비부담 및 주거비소득탄력성 변화 연구

조혜진 ( Cho Hyejin ),김민정 ( Kim Minjung ) 한국소비자학회 2020 소비자학연구 Vol.31 No.3

Korea’s middle and old aged people are the generations most vulnerable to falling property asset values and changes in the residential environment, as they have often achieved asset growth through real estate holdings and investments during the period of economic development. Therefore, housing cost burdens due to changes in the real estate market are likely to undermine their stability of life. In particular, middle-aged rental households are likely to suffer because they have to bear the burden of high housing costs when rent increases due to rising housing prices, unlike the value of their own households. This study was designed to analyze the housing cost burden of middle-aged tenants to draw up suggestions and make policy suggestions. To analyze the changes in housing cost burden and housing cost elasticity, changes in the rent-to-income ratio (RIR) relative to income, which is the portion of rent-related expenditure in monthly household income, were analyzed by age group and income level, and changes in housing cost income elasticity were analyzed using data from year 1 to 6 of the National Age Security Panel to analyze changes in housing cost elasticity. The main findings are as follows. First, the housing burden level of middle-aged rental households for 10 years from 2005 to 2015 showed a slight increase in 2011 and then a general decrease after falling sharply in 2009 from the highest point in 2007. In addition, it was found that the patterns of change in RIR and interest rates showed almost similar shifts. Second, the housing burden of rental households has been aggravated due to the increase in the age of the household owners, and the level of housing burden for low-income households, which is equivalent to the first-percent income bracket, was so high that the polarization of the economic income bracket of middle-aged households could be identified. Third, a chronological comparison of housing cost elasticity showed that 2009 immediately after the financial crisis was negative, and in 2011, housing cost income elasticity increased and then decreased again. These changes in the economic environment and interest rates resulted in changes in housing cost elasticity, proving that the burden of income and housing costs were heavily related to each other. Fourth, residential income elasticity was significantly different depending on the residential area. With this research, we expect to provide basic data and policy implications for future housing stabilization measures for middle-aged Korean rental households.

문화간 비음성언의 차이에 대한 접근 -한국어와 스페인어의 몸짓언어를 중심으로-

조혜진 ( Hyejin Cho ) 한국외국어대학교 언어연구소 2005 언어와 언어학 Vol.0 No.35

The verbal and the nonverbal language are related to each other because they compose the language of a nation and are mutually complementary components in the respect of their function. In this study, we tried comparing Korean gesture with Spanish one in many sub-category of nonverbal communication, so we could give a help to understand the most distinguishable nonverbal communication means and we discussed the aspectual differences of gestures form different cultures. In conclusion, we present the fact that the nonverbal language is a necessary component in communication, not just an assistant of the verbal nor no more than an extra.