• Title/Summary/Keyword: Binomial Logistic Regression Analysis

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Quality of Life and Its Related Factors Among Metropolitan-dwelling Older Adults (도시지역 재택 고령자의 삶의 질(Quality of Life) 및 관련요인)

  • Ham, Seok-Pil;Kim, Beom-Ho
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.22 no.5
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    • pp.411-422
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    • 2021
  • The purpose of this study is to examine the relationships between quality of life and demographic characteristics and health-related behavioral characteristics, and their relevance to variables that represent health conditions among metropolitan-dwelling older adults. The study subjects were 380 senior citizens aged 65 or older living in the D metropolitan area, and data collection was conducted by visiting them for interviews in June 2019. A binomial logistic regression analysis was performed to examine the relationship between independent variables (demographic characteristics, health-related behavioral characteristics, health condition variables) and the dependent variable (quality of life) while controlling for gender and age. As a result, the factors related to quality of life for those surveyed were education level, spousal status, living status, bear for living expenses, average monthly allowance, satisfaction with daily life, evaluation of sleep quality, smoking and eating habits, amount of regular exercise, hobbies, subjective health status, physical disability (if any), hearing ability, visual acuity, mastication ability, urinary incontinence (present or not), and amnesia. The above results suggest that quality of life for the elderly living in urban areas is significantly related to variables that indicate demographic characteristics, health-related behavioral characteristics, and health condition.

Factors Affecting Retirement Satisfaction of the Elderly: Comparing young-old and middle-old elders (노인의 은퇴만족에 영향을 미치는 요인: 전기·중기노인 비교)

  • Lim, Jeungsuk
    • 한국노년학
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    • v.39 no.4
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    • pp.861-881
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    • 2019
  • The purposes of this study are to examine the factors affecting retirement satisfaction, focusing on health, social activity and social security anticipation, and to compare the results between young-old and middle-old. A total of 860 retired people who live alone or live with their spouses were selected from 6th Korean Longitudinal Study of Aging, and binomial logistic regression analysis was used to analyze 416 young-old(aged from 65 to 74) and 444 middle-old(aged from 75 to 83). The results are as follows. First, there was no significant difference in retirement satisfaction between young-old and middle-old. Second, when factors affecting retirement satisfaction was examined, young-olds showed hgher retirement satisfaction with higher perception of health condition and mental health condition, and showed lower retirement satisfaction with higher expectation of long-term care insurance. Middle-old was likely to show higher retirement satisfaction when they had better perspective on physical and mental health condition. The results of the study show that health condition of elderly is an important contributing factor in determining retirement satisfaction of the elderly. Based on the results of the study, political and practical suggestions were proposed to improve retirement satisfaction.

A Study on the Impact of SNS Usage Characteristics, Characteristics of Loan Products, and Personal Characteristics on Credit Loan Repayment (SNS 사용특성, 대출특성, 개인특성이 신용대출 상환에 미치는 영향에 관한 연구)

  • Jeong, Wonhoon;Lee, Jaesoon
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.18 no.5
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    • pp.77-90
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    • 2023
  • This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

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