• Title/Summary/Keyword: 재무관리행동

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Communication Financial Management and Life Satisfaction of Rural Family : Application of the Deacon & Firebaugh Model (농촌가정의 의사소통, 재무관리행동, 가정생활만족 - Deacom & Firebaugh의 체계적 접근법의 적용 -)

  • 조미환
    • Journal of Families and Better Life
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    • v.13 no.3
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    • pp.156-169
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    • 1995
  • 본 연구는 체계론에 근거하여 농촌가정의 의사소통효율성, 재무관리행동, 가정생활 만족간의 관계를 분석하고자 하였다. 연구 결과 체계론에 의해 제시된 개념적 틀을 지지하는 것으로 나타났으며 이를 요약하면 다음과 같다. 1) 의사소통효율성에 직접효과를 미친 변수는 경제문제 경험도와 경제적 상승감이었다. 재정관리행동에는 경제문제 경험도, 경제적 기대감, 의사소통효율성이 직접효과를 미쳤고, 경제문제경험도는 의사소통효율성을 통한 간접효과도 미치는 것으로 나타났다. 2) 경제문제경험도, 경제적 상승감, 경제적 기대감, 의사소통효율성, 재무관리행동의 변수가 산출요소인 가정생활만족에 직접적인 효과를 보였고, 이중 재무관리행동을 제외한 4개 변수 모두 재무관리행동을 통한 간접효과도 미치는 것으로 나타났다.

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A Study on the Effects of Financial Literacy and Financial Management Behavior on Entrepreneurship Awareness: Mediating Effect of Entrepreneurship (금융이해력과 재무관리행동이 창업인식에 미치는 영향 연구: 기업가정신의 매개효과)

  • Kang Gyung Lan;Park Cheol Woo
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.18 no.5
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    • pp.175-183
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    • 2023
  • This study examined the effect of college students' financial literacy and financial management behavior on entrepreneurial awareness and the mediating effect of entrepreneurship. To this end, a survey was conducted targeting university students in Busan and Gyeongnam area, A total of 207 responses were verified using SPSS 28.0 as a sample. As a result of the study, it was confirmed that financial literacy and financial management behavior had a positive effect on entrepreneurship and entrepreneurial awareness. Entrepreneurship was found to have a positive mediating effect between financial literacy and entrepreneurial awareness, financial management behavior and entrepreneurial awareness. As financial literacy improves, it leads to desirable financial management behavior, increases the potential to make more financially knowledgeable and responsible economic decisions, and increases the will to achieve future financial goals. The results of this study suggest that financial literacy and entrepreneurship education are very important during college education in order for potential entrepreneurs to recognize and promote entrepreneurship.

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Relationship between financial management ability, financial self-efficacy, and financial management behavior of university students

  • Yang, Seung-Cheol;Oh, Tae-Kon
    • Journal of the Korea Society of Computer and Information
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    • v.25 no.9
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    • pp.167-172
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    • 2020
  • The purpose of this study was to suggest implications that the level of sound financial management ability of university students could be raised, starting with the awareness that not only college students but also all financial consumers need high levels of financial management ability, such as knowledge and attitudes toward financial management, as economic conditions are in trouble in the aftermath of the ongoing Corona19. A survey was conducted on college students to achieve the purpose of the study. In relation to the research model set in this study based on the survey, financial management ability and financial self-efficacy as the independent variable, and financial management behavior as the dependent variable were selected to analyze the structural relationship according to the study model. The analysis shows that financial management ability had an effect on financial self-efficacy and financial management behavior. Based on these results, theoretical and policy implications were presented. Finally, the limitations of this study and future research directions were suggested.

A Review of Studies on Financial Management Behavior : From the Perspectives of Financial Management Systems Model (재무관리행동에 관한 선행연구고찰 -재무관리체계모델의 구성요소를 중심으로-)

  • 정운영;황덕순;홍은실
    • Journal of Families and Better Life
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    • v.20 no.1
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    • pp.125-138
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    • 2002
  • In this paper, we discuss issues related with conceptual definition and measurement of financial management behavior. Specifically, we examine the relationships among the management behavior relating to throughput, inputs, and outputs, based on the financial management systems model. Fer the analysis, we have reviewed articles that dealt with financial management behavior utilizing financial management systems model. The articles we reviewed appeared between the year 1986 to 2000, in four journals published in Korea (Journal of Korean Home Economics Association, Journal of Korean Home Management Association, Journal of Consumer Studies, and Journal of Korean Family Resource Management) as well as five home economics journals published in the U.S. The implications for the future research of financial management are also Presented.

Analysis of The Effects of NIE Approach in Financial Education on College Students: Focusing on Financial Literacy and Financial Management Behavior (NIE 학습방법을 통한 대학생 금융교육의 효과 분석: 금융이해력과 재무관리행동을 중심으로)

  • Kang Gyung Lan
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.19 no.1
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    • pp.135-142
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    • 2024
  • This study analyzed the effects of the NIE (Newspaper in Education) learning method on the financial education of college students, focusing on how financial literacy impacts financial management behavior. For this purpose, college students enrolled in finance courses were divided into two groups: the experimental group, which participated in the NIE program, and the control group, which did not. After implementing the NIE program, independent sample t-tests and multiple regression analyses were conducted. The results of the study are as follows: First, in terms of sub-elements of financial literacy, the financial attitude in the experimental group was higher than in the control group. Second, there was no significant difference between the two groups in terms of financial knowledge and behavior. Third, in the experimental group, financial knowledge had a significant positive effect on financial management behavior. The results of this study confirmed that the NIE learning method is considerably effective in financial education, which is essential for college students to fulfill their role as economic agents leading sound financial lives.

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The Differences in Wives' Financial Management Behavior according to Variables Related Employment and Income, and Perceived Economic Instability (고용.소득관련 변수와 경제적 불안에 따른 주부의 재무관리행동)

  • Jeong, Seo-Leen;Jang, Yoon-Ok
    • Journal of the Korean Home Economics Association
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    • v.45 no.10
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    • pp.59-71
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    • 2007
  • The purpose of this study was to investigate differences in wives' financial management behavior according to variables related employment and income, and perceived economic instability of household. Financial management behaviors were constructed with 4 sub dimensions : investment, income expenditure, risk, and debt management behavior. The subjects of this study were 225 wives. Factor analysis and MANOVA were performed for data analysis. The results of this study were as follows : First, there were signigicant differences in financial management behavior according to variables related employment, i. e. employment state of wives and husbands. Second, there were signigicant differences in financial management behavior according to variables related income, i. e. monthly income, additional income, income stability. Third, there were signigicant differences in financial management behavior according to perceived economic instability of urban household.

The Effects of Household Financial Condition and Management Behavior Performance on the Financial Satisfaction (가계 재무상태와 재무관리행동 성과에 따른 재무만족도)

  • 김경자;박명숙;정운영
    • Journal of Families and Better Life
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    • v.20 no.2
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    • pp.21-28
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    • 2002
  • The purpose of this study was to investigate how the financial satisfaction of housewives was related with the financial condition of households and the performance evaluation of household financial management behavior. In order to examine this relationship, internet questionnaire survey was conducted with 598 housewives. Results showed that household income and monthly debt repayment had only indirect effects on the financial satisfaction while monthly saving had both of the direct and indirect effects. It indicates that financial satisfaction level varies with the perceived performance of financial management behavior even though they have the same level of financial resources. Specifically, the division of financial roles and problem solving style between husband and wife affected the financial satisfaction of housewives.

Financial management Behavior and Financial Solidity of Urban Households (도시가계의 재무관리행동과 재무건전성 - 광주광역시를 대상으로 -)

  • 정운영;황덕순
    • Journal of the Korean Home Economics Association
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    • v.40 no.2
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    • pp.115-130
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    • 2002
  • The purposes of this study was to analyze the effects of household characteristics and financial variables on financial management behavior and financial solidity. The major results could be summarized as follows. First, Debt management behavior and risk management behavior reveled a higher score than any other financial management behaviors. The main determinants of financial management behavior were financial communication and financial attitudes. The more positive financial attitudes and the more financial communication were, the better the financial management behavior followed. The set of households characteristics variables accounted for 2% of the variance in the financial management behaviors. But the addition of financial related variables resulted in an R2 change of 33%. Second, the financial solidity by median was 4.10. It means that usuable net asset is four times higher than the total amount of risk. Household head\`s age, financial attitudes and financial management behavior were the variables affecting the financial solidity.