• Title/Summary/Keyword: 노후 경제적 준비

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Preparation Characterizations for old Age of the Baby Boomers (베이비붐 세대의 노후준비 특성분석)

  • Lee, Yong-Jae
    • The Journal of the Korea Contents Association
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    • v.13 no.5
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    • pp.253-261
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    • 2013
  • This study analyzed the preparation characteristics for old age of the baby boomers by the framework of the multi-pillar pension system. Analysis results are as follows. First, multi-pillar pension system's subscription rates of baby boomers was public pension 59%, private pension 11.5% and retirement pension 1.5%. The baby boomers isn't ready for old age life. Second, women and people with the low level of education are less prepared for old age. Third, people in a bad health state are less prepared for old age. Forth, low-income people are less prepared for old age. We must support baby boomers' preparations for old age by establishing income security system for old age. We must establish public pension support policy for the people of the low level of education and economic hierarchy, women, bad health status people, and must introduce universal old-age allowance policy for guaranteeing the minimum income of baby boomers.

Effects of Married Female Immigrants' Consciousness of Later Life and Social-Leisure Activities on Their Preparation Perception for Their Later Life in Choongchungnam-Do (결혼이주여성 노후생활인식과 사회활동 및 여가활동이 노후준비의식에 미치는 영향 -충청남도를 중심으로-)

  • Moon, Mi;Song, Sun-Hee
    • Journal of Digital Convergence
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    • v.12 no.7
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    • pp.379-387
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    • 2014
  • This study aimed to explore the effects of married female immigrants' consciousness of later life and social and leisure activities on their preparation perception for their later life. We used data from 355 married female immigrants, residing in or nearby, Choongchungnam-do, Korea in 2013. Regressional analysis and SPSS 18.0 were conducted to prove the hypotheses. Consistent with previous studies, the findings of this study indicate that having more activities on leisure and social life and more planning on later life constitute critical factors for higher emotional, physical, and economical preparation perception for later life. Here we discussed strategies in planning social welfare policy for married female immigrants by providing basic information.

The Effects of Preparation for Old Age of the past on Activity of the elderly: The mediating effect of Psycho-Social resources (과거 노후준비가 노년기의 활동성에 미치는 영향 : 심리사회적 자원의 매개효과)

  • Shin, Soo-Min;Kim, Dongbae
    • Korean Journal of Social Welfare Studies
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    • v.44 no.3
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    • pp.57-83
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    • 2013
  • There has neither been enough research on how to approach the concept of active aging through an integrated view nor an examination to verify the relationship between preparation for old age and active aging in later life. Therefore, this research aims to verify that the elderly, who have prepared for their later life, affected their active aged life. In addition, by setting up self-efficacy and social support as mediator in the research model, this paper looks into the psycho-social resource mechanism of the relationship in depth. In order to verify the correlation of two variables, the Seoul welfare panel data, a mediating model structured by psycho-social resources created by Seoul welfare foundation in 2010, was used. The total sample size was a group of 1,492 elders aged over 65. When it came to our research methods, structured equation analysis was applied to verify the mediating effect and theoretical background. The results revealed that physical preparation, financial preparation, social preparation and leisure preparation directly affected their active aging level positively, thus, psycho-social resources showed a partial mediating effect between preparation for old age of the past and active aging level. The research implications are as follows. First, this research makes an effort to approach the concept of preparation for old age with an integrated perspective through making a construct by entire preparation types. Second, it will attempt to verify the relationship between preparation for old age in the past and active aging in terms of multi-dimension is meaningful. Third, this research reveals the function of psycho-social resource, self-efficacy and social support within the relationship. As far as the partial mediating effect is concerned, preparation for old age education for the middle-aged class should be modified as a decent field to enhance of the elderly.

치유농업 이용의도에 영향을 미치는 변인 고찰

  • Kim, Ok-Ja;Ha, Gyu-Su
    • 한국벤처창업학회:학술대회논문집
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    • 2020.11a
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    • pp.25-31
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    • 2020
  • 최근 급격히 증가하는 노인들과 정신적 휴식이 필요한 도시인들의 신체적·정신적 건강과 안녕감을 유지하기 위한 방법으로써 치유농업에 관한 다양한 연구가 이루어지고 있다. 본 연구는 치유농업 이용의도에 영향을 미치는 변인고찰을 위하여 노후준비도, 치유농업 공급조건, 치유농업 제공서비스를 독립변수로 정하여 연구하였다. 본 연구를 위해서 서울, 경기 일부지역의 30세 이상 성인 남녀를 대상으로 설문조사를 실시하여 최종 356부를 분석대상으로 확정하였다. 연구가설의 검증은 선형회기분석을 통하여 검증하였고, 분석결과는 다음과 같다. 첫째, 노후준비도의 신체적 준비와 정서적 준비, 그리고 경제적 준비는 이용의도에 유의한 영향을 미치는 것으로 조사되었다. 둘째, 치유농업 공급조건의 자연경관,, 접근성, 안전성은 이용의도에 유의한 영향을 미치는 것으로 조사되었다. 그러나 경제성과 전문성은 기각되었다. 셋째, 치유농업 제공서비스의 농작물 재배, 동물매개, 치유시설은 이용의도에 유의한 영향을 미치는 것으로 검증되었다. 이러한 연구를 통해 치유농업 이용의도를 높이기 위해서는 소비자의 노후준비가 잘되어 있어야 하며, 치유농업 공급조건에서는 접근성과 안전성이, 치유농업 제공서비스에서는 치유시설이 잘 갖춰져야 치유농업을 이용하려는 소비자의 이용의도를 높일 수 있다는 결론을 도출하였다.

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Mediation Effect of Marriage Satisfaction about Personality Traits of Married Female Immigrants to Affect on Preparing Their Old Age (결혼이주여성의 성격특성이 노후준비에 미치는 영향에서 결혼만족도의 매개효과)

  • Song, Sun-Hee
    • Journal of Digital Convergence
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    • v.14 no.2
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    • pp.49-56
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    • 2016
  • The purpose of the study is to explore mediation effect of marriage satisfaction when personality traits of married female immigrants would influence the preparation for old age. The survey targets are married female immigrants who live in Seoul, Gyeonggi province, Chungcheong province, and Jeolla province, who are using the programs of Multicultural Center, and who could communicate each other. The analysis was also conducted on 426 of 450 questionnaires. The findings are as follows. First of all, extroversion, agreeableness, conscientiousness, openness of personality traits appear as positive correlation with emotional preparation, physical preparation, financial preparation, marriage satisfaction. However, financial preparation has no correlation with neuroticism. Second, personality traits and marriage satisfaction explain about emotional preparation as 34.6 %, but there is no mediation effect of marriage satisfaction. Third, personality traits and marriage satisfaction explain about physical preparation as 28.1%. In addition, agreeableness and physical preparation have mediation effect of marriage satisfaction. Fourth, personality traits and marriage satisfaction explain about financial preparation as 15.9%.. Moreover, openness and financial preparation have mediation effect of marriage satisfaction.

Perceptions of Successful Aging and Preparations for the Later Life Among the Baby Boom Cohort (베이비붐 세대의 성공적 노화 인식과 노후 준비에 관한 연구)

  • Kang, In
    • The Journal of the Korea Contents Association
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    • v.16 no.9
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    • pp.460-472
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    • 2016
  • The purpose of this study is to examine the factors affecting perceptions of successful aging and preparations for the later life among the baby boom cohort. The subject of survey is the baby boomer(from 1955 to 1963) and it was done from May 1 to September 15 in 2016. 814 self-reported questionnaires were used for final analysis by SPSS WIN18. The major results of this study were as follows: First, there were differences in the perception of successful aging by education level, subjective awareness of economic status, subjective awareness of health condition, marriage status. Second, there were differences in the preparations for the later life by education level, job, subjective awareness of economic status, subjective awareness of health condition. Third, The higher perception of successful aging was deserved to significantly affect preparations for the later life.

A Study on the Effects of Retirement Expectations & Social Supports & Entrepreneurial Intention for Employees Engaged in Financial Business on the Preparation for their Old Age (금융업 종사자의 은퇴기대, 사회적 지지 및 창업의지가 노후준비에 미치는 영향에 관한 연구)

  • Kim, Hyong-Sok;Kang, Shin-Kee
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.17 no.1
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    • pp.251-265
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    • 2022
  • According to the 2019 statistics of the National Statistical Office, the population of old people over 65 is 7.69 million which consists of 14.9% of total population in Korea, and the world's fastest compressed-aging is being processed. Employees engaged in financial business as representative high-wage workers tend to choose voluntary retirement regardless of their business types, and rarely get a new job or establish their own business successfully. This study analyzes the effects of retirement expectations, social supports, and entrepreneurial intention for employees engaged in financial business, and the differences by individual characteristics on the preparation for their old age. The subjects include 280 people working at Seoul metropolitan and Daegu area. The data were analyzed with the SPSS Win Ver. 18.0 for frequency analysis, reliability analysis, factor analysis, regression analysis, etc. and the results of the study are as follows. First, the result of analyzing the effect of retirement expectations of employees engaged in financial business on the preparation for old age shows that the retirement expectations of the people who consider retirement is a new start meaningfully affect the financial and physical preparations for old age. Second, it is shown that family relations for employees engaged in financial business meaningfully affect the financial preparation, and family relations and friendship relations meaningfully affect the emotional and social preparations, despite social supports do not relevantly affect the financial preparation for old age. Third, it is also shown that the entrepreneurial intention of employees engaged in financial business does not relevantly affect the financial and physical preparations, but meaningfully affects the emotional and social preparations for old age. Fourth, the result of analyzing the effect of the individual characteristics of employees engaged in financial business on the preparation for their old age shows that age, marital status, and job grade do not relevantly affect, but the experience of entrepreneurship education more affects the preparation for old age than no-experience.

Effects of Recognition of Elderly Education on Provision for Old Age among Middle-Aged and Aged People in Korea (한국 중고령자의 노인교육이 노후준비에 미치는 영향)

  • Hong, Seok-Tae;Yang, Hae-Sool
    • The Journal of the Korea Contents Association
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    • v.8 no.5
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    • pp.287-299
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    • 2008
  • The purpose of this study is to analyze the statistical data to get the government to have positive recognition of education for middle-aged and aged people about provision for old age after retirement and present a model of policy direction of realistic elderly education for middle-aged and aged people and an ideal program for middle-aged and aged people in Korea. Such an empirical research obtained the following results. First, as for effects of recognition of the need of elderly education and the desire to participate in elderly education on provision for retirement, the need of elderly education and the desire to participate in elderly education were found to have effects. Second, as for effects of the level of retirement expectation on provision for retirement, new departure, career completion, and continuous expectation were found to have effects. Third, as for mediating effects of retirement expectation in terms of effects of recognition of the need of elderly education and the level of desire for participation, the need of elderly education has retirement expectation partly affect physical, psychological, and economic preparation. As for the desire to participate in elderly education, expectation of retirement had completely mediating effects on physical preparation and partly mediating effects on psychological and economic preparation. Fourth, the need of elderly education, the desire for participation, retirement expectation, and recognition of provision for retirement by general properties were found to have statistically significant results in terms of gender, age, occupation, and educational background.

Relationship among the Perception of Retirement and Senior Life, Retirement Preparation Action, and Retirement Satisfaction Level (은퇴 및 노후생활 인식과 은퇴준비행동 및 은퇴만족도의 관계)

  • Kim, Nam-Won;Jang, Sun-Chul;Lim, Eun-Sil
    • The Journal of the Korea Contents Association
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    • v.16 no.9
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    • pp.66-77
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    • 2016
  • This research defined causal relationships among the perception of retirement and senior life(PRSL), retirement preparation actions(RPA), and retirement satisfaction level(RSL) to know the expectation about retired life according to the differences of retirement related factors, PRSL, and RPA. For this, From November 2015 to February 2016, I researched from 20 to 69, 1,500 currently working adults in the country, mailing surveys with the letter introducing this research's purpose and procedure and having them send them back, or researcher's spreading and collecting the surveys, eliminating 83 cases of negligent answers, finally analyzing 1,417 surveys. The result shows age, monthly income, and residing at their own places made more positive PRSL, RPA, financial retirement preparation level(FRPL), and expectancy about satisfactory retirement life. When they had less children, PRSL and RSL were higher. When they had more children, RPA was more proactive, and FRPL was higher. When they had positive PRSL, RPA was more proactive, and expectancy about retired life was higher. This research is significant in defining differences of retirement related factors and causal relationships among PRSL, RPA, and RSL.

Determinants of Pastors' Economic Preparations for Old Age (목회자의 경제적 노후 준비 결정요인)

  • Song, Chang-Kook
    • Korean Journal of Social Welfare
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    • v.61 no.3
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    • pp.29-54
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    • 2009
  • This study is intended to figure out determinants affecting the economic preparations for old age of pastors from major four protestant associations having a church ministerial pension system: the General Assembly of Presbyterian Church in Korea (GAPCK), the Presbyterian Church of Korea (PCK), the Presbyterian Church in the Republic of Korea (PROK), and the Korean Methodist Church (KMC). Thereby, it conducted a survey to 452 pastors from the four religious associations in Korea. The followings sum up the results of this research. First, it was shown that the conventional idea that there is no need for pastors to prepare for their old age or their preparations for old age imply disbelief had been diminished. Second, there were few pastors who had made economic preparations for their old age privately. Third, associations adopting a compulsory church ministerial pension system were PCK, PROK, and KMC indicating a high occupation of more than 75% whereas GAPCK with an optional system showed a very low percentage of 11.5%. Fourth, with regard to the national pension system, the associations except for PROK (61.8%) had more non-enrolled pastors (53.3%), and they responded economic difficulty as the biggest reason for the unenrollment. Fourth, determinants affecting their economic preparations for old age were academic career, total income, church independency, church reserving, and national pension enrollment. Fifth, among the pastors from the four associations, the ones of PROK prepared for their old age best in consideration of GAPCK. According to the results of this paper, the most critical determinant affecting pastors' economic preparations for old age was total income. Pastors with higher income can make church ministerial pension, national pension, and private preparations while the ones with lower income cannot afford for public as well as private preparations; that is, there exists a polarization phenomenon in pastors' economic preparations for old age. Therefore, it is necessary to make devices to narrow the income gap between pastors in religious associations. Second, even in the associations having a compulsory church ministerial pension system, many pastors were not insured, so it is needed to reform or improve the pension system. Third, it is also required to better the national pension system and change the recognition on it.

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