• 디지털융복합연구
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• 제19권1호
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• pp.465-474
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• 2021

본 연구는 청소년 도박문제가 자살생각과 자살시도에 미치는 영향에서 학교 청소년과 학교밖 청소년 간에 어떠한 차이가 있는지를 확인하고자 2018년 청소년 도박문제 실태조사 자료를 활용하여 최근 3개월 이내에 돈내기 게임을 경험한 학교청소년 4,982명과 학교밖 청소년 518명의 실태조사 자료를 로지스틱 회귀분석으로 분석하였다. 연구결과 첫째, 도박문제수준과 지인이나 업체에서 돈을 빌린 경험, 학업성적 저하경험, 자살생각이나 자살시도 모두 학교 청소년에 비해 학교밖 청소년이 더 심각하였다. 둘째, 돈내기 게임 때문에 업체에서 돈을 빌린 경험은 자살생각과 자살시도에 유의한 영향을 미쳤다. 셋째, 도박문제수준과 돈내기 게임 때문에 친구나 선후배에게 돈을 빌린 경험, 학업 성적 저하 경험은 학교 청소년의 자살생각과 자살시도에 유의한 영향을 미쳤다. 이를 토대로 도박으로 인한 청소년의 자살문제를 예방하기 위한 개입방안에 대해 제시하였다.

• International Journal of Human Ecology
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• 제5권1호
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• pp.23-34
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• 2004

This paper outlines the findings of a consumer survey conducted in 1996 and 2001 by the University of Bonn, Germany, across 15 European countries. The survey involved a sample of 3,300 respondents in 1996 and around 11,000 respondents in 2001, throughout all 15 EU countries. Children and adolescents between the ages of 10 and 17 were surveyed on their consumption habits and their attitudes towards the environment. The paper outlines the key findings on "the process of socialization with money". Children come to appreciate the importance of money even before their first day at school. Even young children know you sometimes need cash to fulfil dreams. But the chance to experiment with money for real only comes when children first receive pocket money, usually from their parents. Later, in adolescence, consumer pressure starts to make an impact and it becomes more difficult to make ends meet. Spare time or holiday jobs help top up pocket money and enable adolescents to keep out of debt. This paper reports on a long term comparative study throughout the European Union among children and adolescents, analysed by country, age group and gender. The paper discusses the places young consumers can turn to in trying to fulfil their growing consumer needs. It also examines how much money is at their disposal. It then concludes by considering the influence of "financial socialization" on how young people deal with money.

• 가정과삶의질연구
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• 제14권4호
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• pp.175-190
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• 1996

The purpose of this study was to investigate the relationships of resource financial events coping strategies and family financial satisfaction. The data were collected from 499 housewives in Seoul. The major findings: 1. The financial events were categorized into 6 factors. The factors were named as related to 'Family' 'Health' 'Money' 'Car & durables' 'Job', 'Housing'. Among these events respondents who had exprienced housing-related event reported the highest level of financial stress. 2. The coping strategies were categorized into 4 factors: 'Delaying payment' 'Borrowing' 'Economical purchasing' 'Using Worth' The most frequently used 'Economic purchasing' strategy. 3. Various coping strategies were differently used depending on financial events. For example the housewives used 'Economical purchasing' strategy to cope with family-related events and used 'Borrowing' strategy to housing-related events. Housewives who had less income and less net-worth used ' Economic purchasi g' strategy. 4. Job-related events were negatively effect to family financial satisfaction but car & durables-related event were positively effect to family financial satisfaction. Housewive who the more income and the less age had the high satisfaction. 'Delaying payment' and 'Economical purchasing' strategies were negatively related to family financial satisfaction.

• Journal of Preventive Medicine and Public Health
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• 제49권4호
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• pp.240-248
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• 2016

Objectives: Human immunodeficiency virus (HIV)/acquired immunodeficiency syndrome (AIDS) adversely impacts food security in households of people living with HIV/AIDS (PLWHA). Little research has focused on food insecurity among PLWHA in India. The purpose of this study was to identify the prevalence of and factors relating to food security in households of PLWHA in the Siliguri subdivision of Darjeeling, West Bengal, India. Methods: A cross-sectional community-based study was carried out among 173 PLWHA residing in Siliguri and registered at the Anti-retroviral Therapy Centre of North Bengal Medical College & Hospital. Data was collected at the household level with interviews of PLWHA using a food security survey instrument. We analyzed the associations using logistic regression. Results: The prevalence of household food security among the participants was 50.9% (88/173). Five years or more of schooling, higher socioeconomic class and males were found to be significantly associated with a higher likelihood of food security. A later stage of the disease and the presence of other family members with HIV/AIDS were significantly associated with a lower likelihood of food security. The major coping strategies to deal with food insecurity in the acute phase HIV infection included borrowing money (56.1%), followed by spousal support, loans from microfinance institutions, banks, or money lenders, borrowing food, or selling agricultural products. Conclusions: The present study revealed that only about half of households with PLWHA were food secure. Prior interventions relating to periods of food and economic crisis as well as strategies for sustaining food security and economic status are needed in this area.

• 가정과삶의질연구
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• 제13권4호
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• pp.115-124
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• 1995

The purpose of this study was to accept its contents as lessons for today and to search for the correct way to lead home economy of the future by way of retranslating home economic view in literatures and documents of Cho-sun Dynasty(1392-1910) Through studying Cho-sun's literatures and documents: 「Ne-hun」 by the queen So He 「Kyou-dyoung-yo-ram」by Lee Whang 「Kyung-mong-yo-kul」by Lee Yul 「Song-ho-sa-sul」by Lee IK 「Sa-so-jol」by Lee Duk Moo「Buk-hak-ee」 by Park Je Ka 「Mok-min-sim-su」 by Jung Yak Yong. The results of this study can be summarized as follows : 1. The view of income: 1) Cut down on the too much greed of property (property income) 2) Work hard with diligence(earned income). 2. The view of expense : 1) Get food clothing and housing with frugality 2) Spend money for home rites and reception of guests with manner and truth without extravagnace. 3. The view of buying and selling: Buy and sell with credit. 4. The view of borrowing and lending: Borrow and lend money honestly,. 5. The view of home book-keeping : Keep home book-keeping every day. 6. The view of economic preparation : Save for a rainy day wisely.

• 한국농촌생활과학회지
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• 제6권2호
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• pp.137-149
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• 1995

The first objective of this study is to examine the finanacial management practices of rural housewives. The second objective is to determine the effects of sociodemographic characteristics on financial management practices. The Deacon & Firebaugh's model of family resource management framework and previous studies were used to determine the effects, regarding a9e, income, number of family, education level, and farming/nonfarming as independent/input variables, and monthly saving and managerial behavior index as dependent/throughput variables. A sample of 179 rural housewives aged less than 60 was selected from Shihung-Si Gyonggi-Do Province. Results showed that rural housewives more frequently did keeping bills, making purchase-list and verifying purchase need than recording where money spent making financial plan, and evaluating spending. With regard to household debt use, 60% of the sample had debt the most borrower used debt for farming, 73% of borrowers paid for their debt behind the schedule, and the main source of borrowing was NACF (NongHyup). Using installment credit, the rural housewives mainly bought cosmetics. 25% of the sample had credit cards. Average debt was 6, 070, 000 won, and 81% of annual income. In terms of saving, 85% of the sample saved, and 23% of the sample lived with the money after save. The main reasons of saving were for education and marriage of children and emergency. The main saving institutions were NACF and NLCF (ChukHyup). The regression showed that income was negatively associated with monthly saving, and age was identified as the positive determinants of managerial behavior index.

• International Journal of Human Ecology
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• 제15권2호
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• pp.59-67
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• 2014

Consumer information influences purchasing behavior; however, less is known about the relationship in the credit market. Credit markets offer consumers a complex array of different products when choosing mortgages. The current study examines whether borrowers search for the very best terms when making major decisions about borrowing money or obtaining credit as well as explores the relation between consumer information seeking and the cost of credit. This study demonstrates the existence of price dispersion between those who made an extensive information seeking and those who did not. When controlling for the proxies of creditworthiness and demographics of the respondents, it is found that those who made a great deal of information seeking tend to have lower mortgage rates than those who made almost no information seeking. This study offers financial educators and policy makers suggestions on how to help consumers make better financial decisions.

• KDI Journal of Economic Policy
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• 제14권1호
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• pp.89-119
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• 1992

본고(本稿)는 최근 논란이 되고 있는 금융기관(金融機關)들의 꺾기관행의 의의와 꺾기의 통화량효과(通貨量效果)를 분석함으로써 예대상계(預貸相計)를 통한 정부(政府)의 꺾기규제정책의 효과를 규명해 보고자 하는 데 그 목적이 있다. 꺾기란 여신(與信)(대출(貸出))에 대응해서 일정한 금액의 수신(受信)(예금(預金))을 요구하는 금융관행을 통칭하는데, 기존 문헌에 의하면 이윤극대화(利潤極大化)를 추구하는 금융기관이 정보(情報)의 비대칭성이나 예금(預金) 및 대출금리규제(貸出金利規制)와 같은 금융규제(金融規制) 등에 따른 금융시장의 불완전성을 극복하기 위해 도입하는 관행으로서 궁극적으로는 금융자원배분(金融資源配分)의 왜곡을 시정하는 데 기여하게 된다. 한편 꺾기의 통화량효과(通貨量效果)는 꺾기가 일국(一國)의 통화승수(通貨乘數)에 미치는 효과에 의존하게 되는데, 꺾기의 통화승수효과(通貨乘數效果)는 총대출 중 예금으로 회귀하는 적정예금회귀율(滴定預金回歸率)과 은행(銀行)들의 적정예금지급준비율(滴定預金支給準備率)에 미치는 꺾기의 효과에 의존하게 된다. 이론적으로 이들 효과의 방향은 불분명한데 실증분석결과에 의하면 우리나라의 경우 꺾기의 통화량효과(通貨量效果)는 유의성(有意性)이 없는 것으로 나타나고 있다. 따라서 이에 의하면 꺾기가 인위적으로 통화량(通貨量)을 증가시킬 것이라는 통념은 지지되지 않고 있을 뿐만 아니라, 예대상계정책(預貸相計政策)을 통해 통화량(通貨量)을 감소시킴으로써 여유대출자금(餘裕貸出資金)을 창출할 수 있을 것이라는 기대가 실현되기도 어렵다 할 것이다. 이에 따라 앞으로 예대상계(預貸相計)를 통화량관리(通貨量管理)의 방편으로 이용하고자 하거나 이를 통해 대출여유자금(貸出餘裕資金)을 창출하고자 하는 정책의 추진은 대단히 신중을 기하는 것이 바람직하다 할 것이다.

• 산업경영시스템학회지
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• 제38권3호
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• pp.39-48
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• 2015

In this study, granting the optimal loan limit on SME (Small and Medium Enterprise) loans of financial institutions was proposed using the traditional newsvendor model. This study was the first domestic case study that applied the newsvendor model that was mainly used to calculate the optimum order quantity under some uncertain demands to the calculation of the loan limit (debt ceiling) of institutions. The method presented in this study made it possible to calculate the loan limit (debt ceiling) to maximize the revenue of a financial institution using probability functions, applied the newsvendor model setting the order volume of merchandise goods as the loan product order volume of the financial institution, and proposed, through the analysis of empirical data, the availability of additional loan to the borrower and the reduction of the debt ceiling and a management method for the recovery of the borrower who could not generate profit. In addition, the profit based loan money management model presented in this study also demonstrated that it also contributed to some extent to the prediction of the bankruptcy of the borrowing SME (Small and Medium Enterprise), as well as the calculation of the loan limit based on profit, by deriving the result values that the borrowing SME (Small and Medium Enterprise) actually went through bankruptcy at later times once the model had generated a signal of loan recovery for them during the validation of empirical data. accordingly, The method presented in this study suggested a methodology to generated a signal of loan recovery to reduce the losses by the bankruptcy.

• Nutrition Research and Practice
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• 제2권1호
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• pp.26-34
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• 2008

This cross-sectional study assessed household food insecurity among low-income rural communities and examined its association with demographic and socioeconomic factors as well as coping strategies to minimize food insecurity. Demographic, socioeconomic, expenditure and coping strategy data were collected from 200 women of poor households in a rural community in Malaysia. Households were categorized as either food secure (n=84) or food insecure (n=116) using the Radimer/Cornell Hunger and Food Insecurity instrument. T-test, Chi-square and logistic regression were utilized for comparison of factors between food secure and food insecure households and determination of factors associated with household food insecurity, respectively. More of the food insecure households were living below the poverty line, had a larger household size, more children and school-going children and mothers as housewives. As food insecure households had more school-going children, reducing expenditures on the children's education is an important strategy to reduce household expenditures. Borrowing money to buy foods, receiving foods from family members, relatives and neighbors and reducing the number of meals seemed to cushion the food insecure households from experiencing food insufficiency. Most of the food insecure households adopted the strategy on cooking whatever is available at home for their meals. The logistic regression model indicates that food insecure households were likely to have more children (OR=1.71; p<0.05) and non-working mothers (OR=6.15; p<0.05), did not own any land (OR=3.18; p<0.05) and adopted the strategy of food preparation based on whatever is available at their homes (OR=4.33; p<0.05). However, mothers who reported to borrow money to purchase food (OR=O.84; p<0.05) and households with higher incomes of fathers (OR=O.99; p<0.05) were more likely to be food secure. Understanding the factors that contribute to household food insecurity is imperative so that effective strategies could be developed and implemented.