• 제목/요약/키워드: American consumer

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Bankruptcy Protection Law in US With Focus on The Bankruptcy Abuse Prevention And Consumer Act Of 2005

  • Alharthi, Saud Hamoud
    • International Journal of Computer Science & Network Security
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    • 제22권5호
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    • pp.215-219
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    • 2022
  • Bankruptcy is one of the major areas that have attracted the interest of many researchers in the American system, particularly in terms of the laws that oversee it. It provides a plan of reorganization that enables the debtor or the proprietor to discharge liabilities to the creditors through dividing the assets to settle debts. This activity is carried out under supervision to fairly protect the interests of the creditors. Bankruptcy protection systems are dynamic and complex in nature, in line with the economic sector, ensuring the protection of affected individuals from falling into huge losses. Some bankruptcy procedures give the debtor the opportunity to stay in operation or business activity and benefit from revenues until the debt is settled. This law allows some debtors to be relived from any financial burden after the distribution of assets, even if the debt is not paid in full. In light of the above information, this research paper seeks to explore the nature of the complexity of bankruptcy protection laws, their characteristics, and the justice system that regulate them. It also sheds more light on the decision-making powers on bankruptcy cases. There are specialized courts that cover bankruptcy cases located in district courts in every state.

적립카드 유형과 조절적 초점이 소비자의 거래커플링과 매몰비용 지각에 미치는 효과 (The Effects of Reward Card Types and Regulatory Focus on Transaction Coupling and Sunk Cost Perception)

  • 최선경;간형식
    • 한국경영과학회지
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    • 제38권1호
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    • pp.103-121
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    • 2013
  • Since American Airlines's mileage program emerged in market, loyalty programs have gained popularity. Many companies have generated many kinds of reward cards in order to induce precious consumers. As a result, reward cards are very important in consumer goods market and become diversified. In spite of its importance, little is known about how these cards influence consumer's perception. The prior research has not focused on reward card types and psychological variables. Accordingly this research intends to investigate psychological variables such as transaction coupling and sunk cost perception. According to the theory of regulatory focus, promotion focus consumers would point to gain-nongain frame work, but prevention focus consumers would point to loss-nonloss frame work. The paper proved the effect of reward card types and regulatory focus on transaction coupling and sunk cost perception. Based on the results from 2(type of card : visible vs invisible) ${\times}$ 2(regulatory focus: promotion vs prevention) between-subjects factorial design experiments, we found that consumer's transaction coupling and sunk cost perception of visible reward card are better recognized than invisible reward card. In addition, the results show that there is a significant interaction effect between the type of reward card and regulatory focus. Specifically promotion focused consumers tend to reveal better perception than prevention focused consumers in use of invisible cards. However, prevention focused consumers tend to show better perception than promotion focused consumers in use of visible cards. These findings will contribute to significant academic development and practically useful help to marketing managers.

국내 거주 외국인들의 식생활 라이프 스타일에 따른 초밥 선택 속성 및 행동에 관한 연구 (A Study on Sushi Choice and Consumer Behavior Depending on Food-related Lifestyle)

  • 김정하;박재영;이경원;정희정;오지은;조미숙
    • 동아시아식생활학회지
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    • 제23권2호
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    • pp.119-132
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    • 2013
  • The aim of this study was to identify sushi choices underlying food-related lifestyle and to study the sushi attribute. The Food Choice Questionnaire (FCQ), the most popular tool for lifestyle research, which measures the relative importance of nine factors important in food choice, and food-related lifestyle was administered to 200 Americans (over 20 years of age) residing in Korea. From an analysis of food-related lifestyle through factor analysis, four factors emerged: health, taste, economy, and convenience. The Food Choice Questionnaire (FCQ) structure was verified using factor analysis, and eight factors were found: mood, natural content, health, sensory appeal, convenience, weight control, familiarity and price. These data are important in demonstrating the different motives underlying sushi choice. Moreover, the results suggest that an American's food-related lifestyle is considerably different in consumer behavior and sushi choice. Further research is needed to test our hypotheses.

해외 소비자의 건강관심도에 따른 식품선택 동기 분석: 미국 및 일본 소비자를 중심으로 (Analysis of food choice motivation according to health consciousness of overseas consumers: focus on American and Japanese consumers)

  • 이서현;유재윤;이민아
    • Journal of Nutrition and Health
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    • 제53권4호
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    • pp.431-444
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    • 2020
  • 본 연구의 목적은 미국과 일본을 타깃시장으로 선정하여 건강관심도에 따른 인구 통계학적 분석과 식품선택 동기를 파악함으로써 소비자 니즈를 반영하여 마케팅 전략 구축의 기초자료로 활용될 수 있으며 향후 해당 국가의 소비자들의 건강하고 올바른 식품 선택에 도움이 되고자 하였다. 미국 115명, 일본 120명의 현지 소비자들을 대상으로 수집된 자료를 SPSS (ver. 25.0) 통계 프로그램을 이용하여 분석을 진행하였다. 전체 소비자의 군집별 미국과 일본 소비자를 대상으로 진행한 건강관심도에 따른 인구 통계학적 분석과 식품선택 동기에 관한 연구 결과는 다음과 같다. 건강관심도에 따라 '건강한 식습관 지향 집단', '영양 균형 지향 집단', '건강 무관심 집단'으로 군집을 나누었으며, 건강관심도에 따른 인구통계학적 분석은 국가, 성별, 연령, 교육 수준의 항목에서 유의적인 차이를 나타냈다. 건강관심도 집단별 식품선택 동기의 결과로는 건강 무관심 집단은 다른 집단과 비교했을 때 건강, 효율성, 가치, 기분 4가지 요인 모두 상대적으로 낮게 조사되었으며, 군집에 따라 점수의 차이는 있지만 세 집단 모두 자신이 투자한 시간에 대비하여 맛이나 조리시간 등의 효율성을 중요하게 생각하는 것으로 나타났다. 이는 전 세계적으로 생활양식이 변화하면서 식품선택 동기가 변화하고 있음을 반영하는 것으로 소비자들이 식품 소비에 있어 투자한 시간이나 자산대비 더 높은 만족감을 얻고자 함을 알 수 있다. 본 연구 결과는 미국과 일본 소비자의 건강하고 올바른 식품 선택을 기반으로 하는 해당 국가의 외식시장 진입전략의 기초 자료로 활용할 수 있을 것이며, 소비자의 니즈가 반영된 제품개발 방향을 제시하여 미국과 일본 소비자의 건강하고 올바른 식품 선택에 기여할 수 있으리라 판단된다.

가계 비상금 소유에 관한연구 (Emergency Fund Level of Households)

  • 박선영
    • 가정과삶의질연구
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    • 제15권1호
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    • pp.213-224
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    • 1997
  • Emergency funds are usually identified as liquid assets because they are easily and quickly converted to cash for the needs of unexpected expenses. Empirical studies spplirf got American Households have found that most households do not have recommend levels of liquid savings and an analysis of the 1990 survey of consumer expenditures confirms revious findings. Family Income and Expenditure Survey in Korea is the data base for this study and the level of emergency fund as a flow asset is investigated. A three period model of optimal consumption is presented. The results suggest that many consumers who do not have the recommend levels of liquid assets may be acting rationally. The results may be useful for financial counselors and educators. as well as for insight into empircial patterns of savings.

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Consumers' Purchasing Intentions toward Sustainable Apparel in US

  • Lee, Seung-Hee
    • 패션비즈니스
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    • 제14권3호
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    • pp.146-153
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    • 2010
  • The purpose of this study was to examine understanding consumers' purchasing intention toward sustainable apparel regarding buying experience, majors, and age. A random sample of 172 undergraduate students completed a questionnaire that contained measures of demographic information, past sustainable buying experiences, and purchasing intentions toward sustainable apparel. Based on literature review, three research questions were proposed. For data analysis, descriptive statistics and t-test were used. Based on these results, this research provided acceptable information based upon the consumer's purchasing intentions toward sustainable apparel, after being placed into groups of buyers and non-buyers. Buyers had more willing to purchase sustainable apparel than non-buyers. Also the results revealed that fashion majors hold a higher level of significance than non-fashion majors and their intentions to purchase sustainable apparel. Finally, older students (over 21 years old) have more purchasing intentions toward sustainable apparel than younger students (under 21 years old). Based on these results, some implications for educators and marketers would be suggested.

QFD를 이용한 대학생들의 전공과목 선택에 관한 분석 (II) (Analysis on the Choice of Subjects of University Students Using QFD(II))

  • 임영문;이정기
    • 대한안전경영과학회지
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    • 제2권4호
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    • pp.153-164
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    • 2000
  • QFD (Quality Function Deployment) was defined by the American Supplier Institute in 1987 as a system for translating consumer requirements into appropriate company requirements at every stage, from research, through product design and development, to manufacture, distribution, installation, and marketing, sales and services. Although QFD has complex and tedious procedure to complete, it has now been in use in the world for at least 15 years because QFD enables us to catch a lot of fruitful information on the given system. The objective of this paper is to provide and analyze the trend on the choice of subject courses of university students using QFD. The data are collected by questionnaires. The samples for this study are randomly chosen from the universities in Seoul, Kangnung, and Samchok during 3 months (2000. 3∼2000.5). The results of this study will play an important role not only for service of students but also for opening of courses.

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대학생 소비자의 물질주의와 쾌락적.효용적 쇼핑가치 비교연구 : 한국, 미국, 일본 대학생을 대상으로 (Cross-Cultural Comparison of Materialism and Hedonic & Utilitarian Shopping Value : Using Korean, American, and Japanese College Students)

  • 서정희;허은정
    • 한국생활과학회지
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    • 제13권5호
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    • pp.765-776
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    • 2004
  • The objectives of this study are to compare the levels of materialism with hedonic-utilitarian shopping values among 645 college students in Ulsan and Seoul, Korea; Columbus, Ohio, USA; and Nagasaki, Japan, and to analyze the impact of materialism on hedonic-utilitarian shopping values. As for the levels of hedonic shopping values, the students in Japan and Ulsan had the highest of all, whereas for the levels of utilitarian shopping values, those in Ulsan had the highest. For the levels of materialism, the students in Ulsan had the highest of all and those in Seoul had the lowest. And three scales in the materialism had a different influence on hedonic-utilitarian shopping values.

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QPD를 이용한 대학생들의 전공과목 선택 경향에 관한 연구 (A Study on the Choice of Subject Courses of University Students Using QFD)

  • 임영문;이정기;최영두
    • 대한안전경영과학회:학술대회논문집
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    • 대한안전경영과학회 2000년도 춘계학술대회
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    • pp.491-498
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    • 2000
  • QFD (Quality Function Deployment) was defined by the American Supplier Institute in 1987 as a system for translating consumer requirements into appropriate company requirements at every stage, from research, through product design and development, to manufacture, distribution, installation, and marketing, sales and services. Although QFD has complex and tedious procedure to complete, it has now been In use in the world for at least IS years because QFD enables us to catch a lot of fruitful information on the given system. The objective of this paper is to provide and analyze the trend on the choice of subject courses of university students using QFD. The data are collected by questionnaires. The samples for this study are randomly chosen from the universities in Seoul, Kangnung, and Samchok during 3 months (2000. 3 ~ 2000. 5) The results of this study will play an important role not only for service of students but also for opening of subject courses.

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A study about Embodying an AMR Based on Power Line Communication.

  • Yoon, Gun;Park, Hong-Seong
    • 제어로봇시스템학회:학술대회논문집
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    • 제어로봇시스템학회 2001년도 ICCAS
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    • pp.119.2-119
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    • 2001
  • The inspection of a meter is an action that measures the amount of electricity, water and gas used to impose user on a charge. In past days, a meter who visit consumer to look over meter and write data to the ledger and then go back his office to calculates the inspection of a meter. On the other hand, the AMR(Automatic Meter Reading) is remote control system to measure the amount of utility used and monitor a condition of the meter. A study about AMRS is started at 1960 all over the world and a successful application example is presented continuously in American, Europe and Japan etc. In this paper we use a check meter that is used in past days and we add an AMR to it. AMR receives data that is the amounts of electricity from the check meter and stores those ...

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