• Journal of Service Research and Studies
• /
• v.5 no.2
• /
• pp.35-49
• /
• 2015

The purpose of this paper is to see what the problem is and what the direction of the strategy of asset management after this study has analyzed asset management status of nonlife insurance companies according to interest rate trends, analyzing in time series asset state, management asset lists, asset distribution state, securities list and total asset yield of Nonlife insurance companies during year 2009~2014. As the study result, nonlife insurance companies have managed assets in stability than profitability according to safety asset was increased, but risky asset was decreased. Performance rate of total asset was dropped according to interest rate declined trends. Trend between stock index and performance rates of total asset was not accord. The correlation coefficient between interest rate and performance rates of total asset was highly plus, but the correlation coefficient of KOSPI and performance rate of total asset showed minus.

• Journal of the Korean housing association
• /
• v.27 no.3
• /
• pp.47-58
• /
• 2016

The new paradigm of urban regeneration, would promote the comprehensive communal view. Therefore, the community role has become an important and necessary for regeneration of communities. It is necessary for urban regeneration which should be matched with the regional characteristics, to develop an evaluation framework that can objectively and accurately diagnose the status of community; so it can be an integrated prescription. A new alternative, asset-based approach may be an alternative to build the community based on opportunities and strengths, which focuses on community inside and things that community have. In this study, a community asset is defined as the tangible and intangible components in the community. A community asset evaluation system is developed through the content analysis related to previous studies of several researchers who investigated the asset-based approaches. Community assets are classified into seven types: human, social, cultural, natural, physical, economic, and political property. Each type is classified into components and establish as a framework with 3 levels in order to set the indicators which can be measured concretely.

• Research in Community and Public Health Nursing
• /
• v.26 no.2
• /
• pp.140-149
• /
• 2015

Purpose: This study was conducted to identify activities of daily living, depression and self-rated health and related factors for Korean Elderly. Methods: Data from the survey for the Korean Longitudinal Study of Aging in 2010 were used. The data were analyzed using frequencies, weighted proportions, and hierarchical multiple logistic regression. Results: Significant difference was observed in health status induced by socioeconomic status between men and women, but not among age groups. Socioeconomic status was strongly associated with self-rated health among male and female elders. Being unschooled and low net family asset were significantly related with dependency in activities of daily living and depressive symptoms among men. Only low net family asset was significantly related with depressive symptoms among women. Family support provides a slight decrease to the negative relationship between socioeconomic status and health status, especially depressive symptoms. Conclusion: This study suggests that interventions to reduce health inequalities should target elderly with lower socioeconomic status and with poor family support, using a gender-specific approach.

• Journal of Families and Better Life
• /
• v.14 no.3
• /
• pp.223-236
• /
• 1996

The purpose of this study was to compare the financial status between Aged Households and Non-aged households. The sample obtained from 1993 KHPS, consisted of 3,425 Korean married couples including 2,915 of non-aged households and 510 aged households. Statistics employed for the analysis were frequencies percentile and t-test And Lorenz curve and Gini coefficient were used to compare the financial status of two groups. The results of this study were as follows. First financial status of aged households specially annual total income annual current income earned income and annual total expenditure were lower than those of non-aged households. Second Gini-coefficients of aged households' income and expenditure were greater than expenditure of them. Moreover Gini-coefficients of aged households' total asset and total debt were greater than those of non-aged households' However total asset of aged and non-aged households were smaller than total debt of two groups.

• International Journal of Human Ecology
• /
• v.7 no.2
• /
• pp.53-62
• /
• 2006

The purpose of this study is to examine the changes in financial structure of the self-employed brought on the economic crisis in Korea.. We use financial ratio analysis, such as income to expenditure ratio, liquidity ratio, debt ratio, and capital accumulation ratio to analyze financial well-being of self-employed households. This study used a 1997 and 1998 Korean Household Panel Study collected by Daewoo Economic Research Institute. The average amount of holding of each type of asset showed that the investment of self-employed households decreased in the banking industry and the stock market in 1998 compared to 1997. On the other hand, asset allocation in bond and real estate increased, which implied preference for a stable type of asset with the increase in uncertainty of the future and economic instability. Devaluation of real estate allowed households to easily obtain real estate and increase preference for asset allocation in real estate after the crisis. The changes in financial ratio for the year 1998 shows that such ratios as income to expenditure, liquidity, and capital accumulation, decreased compared to the year 1997. Among those ratios, the income to expenditure ratio showed the biggest decline because of reduced income of self employed households. The results implied that the income structure of the self-employed is unstable, thus the self-employed were likely to be greatly affected during the economic downturn. Earners have more average income and net assets than the self-employed. However, using financial ratios, it was found that self-employed households were more stable than employees. The results shows that the financial ratio analysis is better tool to estimate households financial status. Implications for financial educators, counselors, and planners are offered. The results will provide implications for policy makers to establish appropriate policies for the self-employed and help them financially survive.

• Journal of the Computational Structural Engineering Institute of Korea
• /
• v.29 no.4
• /
• pp.327-334
• /
• 2016

This study proposed a framework for an infrastructure asset management manual which can be adjusted by different ordering authorities to develop their own manuals. For this, The necessity of asset management manual was examined through analysis of the current status and insufficiencies and limitations in the asset management manuals of the domestic government and ordering authorities. Second, the systems and characteristics of infrastructure asset management manuals in developed countries such as Australia, the United Kingdom and the United States were examined and compared. Finally, based on the domestic infrastructure asset management characteristics and foreign infrastructure asset management manuals, a framework for an infrastructure asset management manual that can be utilized by the ordering authorities was proposed considering generality of asset management manual, asset management maturity of ordering authorities, serviceability of manual, and cyclic processes of asset management.

• Journal of the Korea Convergence Society
• /
• v.11 no.4
• /
• pp.233-245
• /
• 2020

This study aims to investigate the relationship between positive psychological capital and entrepreneurial intention among middle-aged and elderly individuals who are interested in starting their own business by focusing on the mediating effect of risk sensitivity and the moderating effect of asset status. To accomplish the study's objective, a questionnaire was administered to approximately 250 middle-aged and elderly people working in Seoul from December 1 to December 31, 2019. Collected data were analyzed using SPSS 26.0. Specifically, frequency analysis and descriptive statistics were conducted, and reliability of the constructs was assessed. Factor analysis was used to measure the goodness of fit of the model developed. Finally, a structural equation model was established, and analysis was conducted on the test of the hypotheses about the mediating, moderating, and adjusting effects using the AMOS statistical package. The results revealed that positive psychological capital had a positive impact on risk sensitivity, and the path analysis of self-efficacy and entrepreneurial intention as well as resilience and entrepreneurial intention showed results of 0.042 and 0.026, respectively, supporting mediating effects. In the causal relationship between positive psychological capital and entrepreneurial intention, asset status acted as a moderator given that the chi square difference between the models was 7.096. Thus, the findings provide implications for comprehensive training programs to boost positive psychological capital and asset status in middle-aged and elderly individuals who are preparing to establish their own business. Further studies are needed to cover broader geographic areas and compare/analyze other variables associated with business startups.

• The Korean Journal of Community Living Science
• /
• v.14 no.1
• /
• pp.55-71
• /
• 2003

The purpose of this study was to evaluate the financial status of single mother households by financial ratios. Data was drawn from Labor Panel Survey Data in 1999, and 198 single mother households were selected. Major findings were as follows: 1) The levels of after-tax income, income per person, expenditure, expenditure per person, asset, pure asset, and debt of single mother households were lower than their counter-parts. 2) All financial ratios showed that both financial security and financial growth of single mother households were lower than their counter-parts. Especially, 22% of single mother households had the lower level of income that the lowest cost of living.

• Journal of the Korean Home Economics Association
• /
• v.36 no.7
• /
• pp.57-67
• /
• 1998

This study was to compare the financial status between elderly households - retired vs employed. The sample obtained from 1994 KHPS, and consisted of 628 Korean aged households who are currently married. Statistics employed to analyze the data are mean, frequency, percentile, t-test, and relative-ratio. The results of this study were as follows ; In income sources, earned income was majority of employed households, but the percent of unearned income was greater than retired households. While the percent of cloth, education, recreation expenditures were high in employed, and medical, housing expenditures wee high percentage in retired. The percentage of real asset(housing) was majority of total asset in two groups. And the percentage of safe liquid asset of retired households was relatively higher than employed households.

• Journal of Service Research and Studies
• /
• v.6 no.2
• /
• pp.99-116
• /
• 2016

The purpose of this paper is to see what the problem is and what the direction of the strategy of asset management after this study has analyzed asset management status of domestic life insurance companies according to interest rate trends, analyzing in time series management asset lists, asset distribution state, and securities list of life insurance companies during 2000~2014. It has carried correlation analysis and regression analysis between yield and bond interest KOSPI index. As the study result, life insurance companies have managed assets in stability than profitability. The correlation coefficient between interest rate and performance rates of total asset, management asset and securities is highly plus, correlation of management asset performance rate is higher than that of total asset performance rate, and the correlation of securities performance rate is higher than that of management asset performance rate. The correlation coefficient of KOSPI and performance rate shows minus. The suggestion is that the change of asset management is required as the interest decline rises up a reverse margin risk because of the asset management of stability.