• 한국농촌생활과학회지
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• 제6권1호
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• pp.73-84
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• 1995

The objective of this thesis is to analyse empirically the economic resource problems of the rural poor households. Data from 444 rural sample households in four provinces, divided into two subgroups, the poor and the non-poor households, were analysed and compared. The owned arable land size, level of agricultural and non-agricultural income, assets, debts and the sufficiency of living expenses of the poor households were measured and compared with those of non-poor households respectively. The significant findings and drawn conclusions are as follows : The rural poor households 1. tends to show smaller family size, older age and lower level of education of homemakers than the non-poor households, that might work as constraints to income sources and quality. 2. has not only small arable lands and agricultural income but also even smaller cash income, less than 50% of total income, with 27% of self-product consumption and depends more on non-agricultural income than the non-poor households. Such weakness of income structure might cause and increase the income instability of the rural poor households. 3. reveals significantly different level and components of assets from the non-poor households lower level of assets, less amounts of but more load of debt due to lower solvency that comes from low level of income and assets, higher debts for consumption and lower accessibility to credit. All these socio-demographic and economic characteristics of the rural poor households might have compound effects on the economic problems of the poor households and make vicious circle of poor.

• 가족자원경영과 정책
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• 제1권2호
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• pp.159-172
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• 1997

This study examined the influence of resource management on the quality of life. For this objective, we used the questionnaire. The data used in this study included 372 urban households and 423 rural households which are different from their resource environment. Statistical analysis were conducted using t-test, Pearson’s correlation and Factor analysis. The major findings were (1) the level of living, the standard of living and extent of successful resource management were higher in the urban households than the rural households. (2) The urban and rural households could reduce the gap between the level of living and the standard of living in food and nutrition area through the effective resource management. And only the rural households could reduce the gap between the level of living and the standard of living in leisure.

• 보건행정학회지
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• 제31권1호
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• pp.140-144
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• 2021

Catastrophic health expenditure refers to measure the level of the economic burden of households due to medical expenses. The purpose of this study was to examine the proportion of households that experienced catastrophic health expenditure between 2006 and 2019 using available data from the National Survey of Tax and Benefit (NaSTaB), Korea Health Panel (KHP), and Households Income and Expenditure Survey (HIES). Trend test was used to analyze the proportion of households with catastrophic healthcare expenditure. The households experienced a catastrophic health expenditure of 2.44% in 2019 using the NaSTaB data. Trend analysis was significant with the decreasing trend (annual percentage change [APC], -4.49; p<0.0001) in the proportion of households with catastrophic health expenditure. Also, the results of the 2017 KHP and the 2016 HIES showed 2.20% and 2.92%. The trend was significantly increased in the KHP (APC, 1.79; p<0.0001) and the HIES (APC, 1.43; p<0.0001). Therefore, this study suggests that further public healthcare interventions to alleviate the burden of catastrophic health expenditure, especially for low-income households, are needed.

• 한국생활과학회지
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• 제21권2호
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• pp.225-240
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• 2012

The purpose of this study was to investigate the determinants of households with risky debt loads. The study used financial ratios to determine which households were over-indebted. The 3 ratios used were Debt to Asset ratio, Debt to Financial asset ratio, and Debt Service ratio. Data for this study was the 2011 Survey of Household Finance. Households that demonstrated total debts of 70% or more when compared to total assets were 8.8%. Households that demonstrated a debt load totaling 5 or more times their total financial assets were 19%. Households with monthly repayment obligations of 40% or more of disposable income were 20%. Households that fulfilled all 3 financial ratio criteria were 1.5% of total indebted households. Over-indebted households demonstrated severe economic condition in terms of debt, but not all over-indebted households were categorized as being in economically vulnerable group. The major determinants of households with risky debts were income, asset, purpose of loans, and spending behavior of the households.

• 보건행정학회지
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• 제30권4호
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• pp.467-478
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• 2020

Background: The purpose of this study is to explain the factors influencing the incurrence of catastrophic health expenditure of national health insurance households using panel data observed over a long period. Methods: The study targeted 3,652 households who had no censoring during the 11-year survey period (2007-2017) and householders whose insurance type was consistently maintained as national health insurance. Generalized estimating equations were adopted to identify factors affecting the occurrence of catastrophic health expenditure at 20%, 30%, and 40% threshold levels. A subgroup analysis was conducted by categorizing groups depending on the existence of the elderly in the household. Results: For the last 11 years, the incidence of catastrophic health expenditure in the households without the elderly decreased slightly at all threshold levels, but the households with the elderly seemed to be increased. At baseline, household type showed a statistically significant relationship with all other variables. The results of generalized estimating equations analyses show that household income was not significant at all threshold levels in the households without elderly. On the other hand, in the households with the elderly, the 2nd (odds ratio [OR], 1.33-2.05) and 3rd quintile groups (OR, 1.25-2.55) were more likely to have catastrophic health expenditure compared to the 1st quintile of household income group. Conclusion: As the amount of health expenditures relative to the ability to pay is increasing in households with the elderly, the application of an intervention followed by consistent monitoring is needed. This study found that there were differences in influencing factors according to the presence of the elderly in the households. In particular, in households with the elderly, interesting results have been drawn regarding the occurrence of catastrophic health expenditure in the near-poor, so additional research is required.

• 한국식생활문화학회지
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• 제38권5호
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• pp.283-292
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• 2023

Considering that the number of middle-aged single-person households is increasing, this study investigates dietary behaviors, nutrient intake, and mental health according to household type. Data were procured from the 2015-2019 Korea National Health and Nutrition Examination Survey (KNHANES). Totally, 5,466 participants aged 50-64 years were classified into 2 groups: a household with one member was defined as a single-person household, and households with two or more members were described as multi-person households. Single-person households comprised 10.63% of the total, with a higher average age, and lower income and economic levels than multi-person households. Compared to multi-person households, single-person households had a higher frequency of skipping breakfast, eating alone, and dining out, the moderately and severely food insecure group was more than 5 times, and nutrient intake and dietary quality were poorer. In the fully adjusted model, the odds ratios (ORs) of depressive symptoms were 2.35 times (95% CI: 1.39-3.96), and suicide ideation was 1.95 times (95% CI: 1.35-2.82) in single-person compared to multi-person households. Our results lead us to conclude that poor dietary intake in middle-aged single-person households affects the mental health, and the above factors should be considered when framing the dietary policy.

• 가족자원경영과 정책
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• 제16권4호
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• pp.131-152
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• 2012

The aims of this study were to analyze middle-aged households' financial preparation for retirement. Specifically, this study surveyed the relation between human capital investment for children and the middle-aged households' financial preparation for retirement and investigated factors influencing financial preparation for retirement. Data were obtained from the 3rd Korean Retirement and Income Study (KReIS) in 2009, and a sample of 757 households was selected. The statistical methods were frequency, percentile, mean, standard deviation, ${\chi}^2$, t-test, Pearson's correlation coefficient, and logistic regression analysis. The findings of this study are as follows. First, the percentile of preparation for living costs for old age was 49.9% for the middle-aged households. In terms of the types of preparation for living costs for old age, the results showed 61.6% of personal preparation, 33.9% of pension system, and 1.3% for children and relatives. In relation to the adequacy of the preparations for living costs for old age, preparations made by 57.4% of the middle-aged households were inadequate. Observing the minimum living costs for old age and adequate living costs after retirement for single and couple, the minimum living costs of the middle-aged households was 1.46 million won for couple and 0.91 million won for single. The adequate living costs for old age was 2.07 million won for couple and 1.34 million won for single. Second, there were 757 households with total education expenditure. Of these, 208 incurred annual expenditure on public education, and the annual expenditure for public education was 7.28 million won. There were 170 households with annual expenditure for private education, and the annual expenditure for private education was 2.50 million won. 243 households of middle-aged households had annual expenditure for human capital investment, including both public and private education, with annual expenditure for human capital investment for children of 7.82 million won. Furthermore, in the human capital investment factor, there was a difference in the middle-aged households' financial preparation for retirement according to their annual expenditure for human capital investment including both public and private education. In addition, there was a difference in financial preparation for retirement based on their public education expenditure. Third, in the logistic regression model 1, which included human capital investment, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and human capital investment. In the logistic regression model 2, which included annual expenditure for public education and annual expenditure for private education, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and annual expenditure for public education.

• 가족자원경영과 정책
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• 제21권2호
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• pp.25-50
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• 2017

Recently, concern about family safety is rising again as an important issue with the context of family healthiness and well-being in Korean society despite of the dramatic economic growth. The purpose of this study is to examine the status of family safety of singles and single-parent households and to investigate the effect of social capital on the level of their family safety. Data are from the 10th wave of Korea Welfare Panel Study analysing one-person households(N=2,017) and single-parent households(N=172). One-person households were categorized as three groups by age(the youths/middle-aged/the elderly) and single-parent households were also three by family types(mother-child/fahter-child/grandparent-child). The major results were as follows: First, the mean of family safety index was highest among middle-aged, while single youths had the fewest problems in terms of family safety. Second, social capital was found to vary by family structure. In the one-person households, all the levels of the social capital variables, including trust, bond, acceptance, and participation, differed significantly; only two variables, bond and embracement, differed in the single-parent households. Third, social capital differed between the low-income households and others significantly. Forth, the positive effects of social capital on overcoming family safety problems were investigated. In conclusion, social capital represents an alternative resource for overcoming economic hardship for low-income one-person/single-parent households, especially for middle-aged singles and father-child single-parent households. Based on these empirical results, theoretical implications were discussed with regard to family policy and programs.

• Human Ecology Research
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• 제54권2호
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• pp.155-164
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• 2016

This study explored the characteristics, housing deficits and expectations for support programs of low-income renter households in housing poverty in order to provide housing policy development and improvement information. Microdata of the 2014 Korea Housing Survey was utilized as secondary data for this study. A total of 2,508,672 low-income renter households (weighted count) in the bottom 40% income ranks of entire general households living in private rental units were selected as study subjects. The major findings were as follows. (1) One point four percent of the subjects were living in non-house living quarters (e.g., shanties, vinyl greenhouses, container houses, and mud huts), 1.4% were in dosshouses, 9.9% were in basements, semi-basements or rooftop units, and 8.2% were in sub-standard units. (2) Among the households whose housing costs burdens were measurable, 75.7% were found to have housing cost burdens to pay 30% or more of their household income towards housing costs (rental costs and maintenance costs), but only 7.5% of the burdened households received a housing voucher. (3) Eighty-one percent were found to be in a housing poverty status as defined by the researcher; in addition, low-income renter households in housing poverty in Seoul tended to have a greater proportion of households headed by females, the elderly, and be persons with low-education or disabilities. (4) Households in housing poverty showed greater expectations for financial support and/or extended provisions of public rental housing than other low-income renter households.

• 한국주거학회논문집
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• 제10권1호
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• pp.97-109
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• 1999

The purpose of this study is to examine the changes of housing characteristics between dwellings occupied by two and more households and one household occupying dwellings over 10 years using the Population and Housing Censuses in 1985, 1990, and 1995. One dwelling for each household, referred to the ratio of the number of dwellings to the number of households, has been one of the most important housing goals in Korea. The results indicated that the ratio of dwellings occupied by one household as well as that of households occupying one dwelling by oneself have been increased since 1985. However, the number of dwellings occupied by two and more households have been decreased but the number of households who share one dwelling with other households have never been decreased. One dwelling for each household has been mainly increased by the multifamily attached dwellers in urban residences. Single-family dettached dwellings in the urban area are the most often shared with other households. Housing policymakers should consider not only the rapidly increasing single households but also renters shared one dwelling with others mostly homeowners of single-family dettached dwellings.