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MFIのパフォーマンス、信用デフォルトリスク、フィンテック導入に関する包括的研究 : ラオスにおける金融包摂のためのMFIの効率性、安定性、社会的インパクトの改善に向けて
Get PDFThis dissertation aims to explore the adoption of fintech to improve the efficiency, stability, and social impact of microfinance institutions (MFIs) for financial inclusion in Laos. In Chapter 2, we delve into the current state of financial inclusion in Laos and identify the primary barriers and challenges obstructing its progress. Additionally, we analyze the role of MFIs in advancing financial inclusion within the country. In Chapter 3, we examine MFI performance and credit default risk using CAMEL rating systems, allowing us to gain a comprehensive understanding of their financial health when extending loans to underserved populations. The findings highlight the importance of MFIs' risk management and financial stability in advancing greater financial inclusion.
Chapter 4 concentrates on the role of fintech, exploring its potential benefits and risks for enhancing the efficiency, stability, and social impact of MFIs in promoting financial inclusion in Laos. This study establishes the groundwork for fostering more inclusive and sustainable financial practices in the country. Furthermore, it emphasizes the necessity of addressing fintech-related risks as well as balancing the relationship and transaction banking to fully maximize its potential for MFIs seeking to enhance their efficiency, stability, and social impact through fintech adoption.
To understand the factors that affect fintech adoption in MFIs, we develop a theoretical model in Chapter 5 by extending the Technology Acceptance Model (TAM) with perceived risk, government support, and regulation. Surveying managing directors from MFIs provides useful data, and the effectiveness of the extended TAM is validated through Structured Equation Modeling (SEM). This study contributes to theoretical development by enriching TAM with additional variables. Applied this extended model in the context of MFIs in Laos, it provides a more comprehensive understanding of fintech adoption, strengthening TAM's credibility, and contributing to a robust theoretical framework for fintech adoption within the scope of MFIs. Consequently, our study provides practical guidance for practitioners seeking to strengthen influential factors and overcome obstacles in the fintech adoption of MFIs.
Through an examination of the situation of financial inclusion in Laos, the role of MFIs in driving financial inclusion, their performance, credit default risk, and fintech adoption, this dissertation demonstrates the potential of fintech and its role in improving the efficiency, stability, and social impact of MFIs for financial inclusion in Laos. Ultimately, it may contribute to the advancement of the country's financial ecosystem and support societal progress.博士(学術)山口大学Yamaguchi Universit
セレウス菌による院内末梢静脈カテーテル関連血流感染症の危険因子としての末梢静脈栄養輸液と清拭タオル
Get PDFIn Japan, China, and Singapore, several studies have reported increased incidences of peripheral venous catheter-related bloodstream infection by Bacillus cereus during the summer. Therefore, we hypothesized that bed bathing with a B. cereus-contaminated “clean” towels increases B. cereus contact with the catheter and increases the odds of contaminating the peripheral parenteral nutrition (PPN). We found that 1) professionally laundered “clean” towels used in hospitals have B. cereus (3.3×10^4 colony forming units (CFUs) / 25cm^2), 2) B. cereus is transferable onto the forearms of volunteers by wiping with the towels (n=9), and 3) B. cereus remain detectable (80∼660 CFUs /50cm^2) on the forearms of volunteers even with subsequent efforts of disinfection using alcohol wipes. We further confirmed that B. cereus grow robustly (10^2 CFUs /mL to more than 10^6 CFUs /mL) within 24hours at 30°C in PPN. Altogether we find that bed bathing with a towel contaminated with B. cereus leads to spore attachments to the skin, and that B. cereus can proliferate at an accelerated rate at 30°C compared to 20°C in PPN. We therefore highly recommend ensuring the use of sterile bed bath towels prior to PPN administration with catheter in patients requiring bed bathing.博士(医学)山口大学Yamaguchi Universit
電解質の水への溶解時における体積変化の可視化 : 体積の非加成性に対する理解の促進を目指した定量的実験教材の開発
Get PDF電解質を水に溶解する際、体積の加成性は破綻し、その体積変化の程度は電解質の種類によって異なる。これは主にイオンの大きさと電荷の違いにより、水和構造に違いが生じることによる。学校でも実施可能な簡単な実験によって電解質の溶解における体積変化の非加成性を確認できれば、水分子がイオンに結合して形成される水和イオンの構造や水分子の集まり方などを原子レベルで推論することが可能と考える。そこで、電解質を水に溶解させたときの体積変化を定量的に測定できる簡便な実験を考案し、いくつかの電解質を用いて実験を行った。その結果、電解質の違いによるわずかな体積変化の違いも定量的に測定することができた。それらの実験結果を用いて計算した各イオンのみかけの部分モル体積も、これまで報告されてきた値と調和的な結果を得た
小学校の校則の制定理由に対する納得に関する研究
Get PDF昨今，校則の見直しの動きが加速するなかで，校則の内容や必要性を理解するためには，各校則の制定理由を理解し，子どもと学校が互いに納得していることが重要であると考える。本研究では「小学校の校則に複数の制定理由を想定し『校則の種類』や『個人特性』が校則の制定理由に対する納得の程度に与える影響を検討する」ことを目的する。これにより，校則に関する学校の説明責任を果たす一助となることに加え，各学校の校則が「社会通念上合理的と認められる範囲」であるかどうかを再考するきっかけになることを期待する。また，アンケート調査の回答を基に分析した結果により，どの理由においても納得しにくい校則について，当該校則の必要性の再考を提案した
自作ミクロメーターを用いた微小物計測に関する指導法 : オンデマンドおよび対面方式による生物学分野の授業におけるSTEAM教育の一実践
Get PDFIn science classes, the use of a microscope evokes an enthusiastic and exciting response from students. When students attempt to gain an understanding of the size of samples under a microscope, micrometers of two types are generally required to measure sizes. An eyepiece micrometer contains an attached eyepiece lens, while a stage micrometer is placed on the stage to provide accurate information pertaining to length. When the magnification of the objective lens is changed, the scale of the eyepiece micrometer is changed. Hence, we need to measure the scale of the eyepiece micrometer before observation for each magnification. However, students can find this principle difficult to comprehend when calculating the ratio. In this study, we introduced teaching material demonstrating the eyepiece micrometer using a kitchen towel wick in an effort to explain the principle of scale when using a microscope. This approach should prove useful in helping to clarify the principle using simple material that students can easily make themselves. Finally, this method should facilitate an understanding of difficult concepts by encouraging students to experience changes in image size from different perspectives using familiar materials, or in other words, elements of “STEAM”