• Journal of Families and Better Life
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• v.25 no.2 s.86
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• pp.155-172
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• 2007

This study is a qualitative analysis aimed at facilitating a plan of social support for heavy debtors. for this purpose, the status of issues related to heavy debtors in Japan is considered, and more is revealed about the status of operation for non-profit organizations and groups of heavy debtor victims as counseling agencies for heavy debtors. In addition, through interviews conducted with the counselors of these organizations, a survey has been made on whether the credit counseling provides particular functions for and increases the satisfaction of debtors. The root of Japan's large number of heavy debtors lay in that country's excessive growth of consumer financing, the increase of its use, the structural problems on the lending system of consumer financing and legal insufficiency, to name of few fundamental problems. The interviews on debtor counseling in private organizations revealed that the debtors being counseled showed a great change, due primarily to group counseling and activities, in such aspects as psychological stability, learning and understanding about heavy debts and willingness to take action for solving their own problems. In addition, regarding the aspects of time and cost, specialty, mutual exchange of experienced persons, psychological care and educational functions, the importance of the debtor counseling group's role has been established. To improve the problems of heavy debtors in Korea, there is a need to promote the importance of debtor counseling increase the interest and support of the administration, create a sense of solidarity among related organizations and promote public education on consumer credit. The support of the consumer credit industry and the development of human resources are also badly needed.

• Journal of the Korean Home Economics Association
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• v.41 no.12
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• pp.117-132
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• 2003

This study aims to develop an educational program in using credit card for undergraduate students. In order to achieve this aim, a processor has been followed. first of all, a fundamental work to select the educational contents was Preceded with a survey of learners' needs, case studies of counselling at Consumer Protection Board, and preceding studies. After choice of educational contents, learners' demands on how to manage the educational program was executed in advance. Second, reflecting the above mentioned educational contents, a concrete educational program was built. Based on the constructed plans, both preliminary training and main training were proceeded. Third, to evaluate the effects of the educational program, the knowledge difference, behaviors and attitude changes were all diagnosed. The result suggested that the educational effect was significant in all evaluations section. At last, final program of using credit cards was completed.

• Journal of Family Resource Management and Policy Review
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• v.9 no.2
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• pp.145-161
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• 2005

This study was to examine whether the hedonic and utilitarian shopping values were expressed in shopping experience among the undergraduates and how the consumers with different shopping values vary in the perception of credit cards' benefit and risk. The 215 undergraduates in Seoul were surveyed. The results indicated that undergraduates were divided into hedonic shoppers and utilitarian shoppers according to their shopping value and that the perception of credit cards' benefit and risk was explained by the four factors including the increased cost, the removing the immediate need for money, the additional service and benefits, and the overspending and credit crime. The overspending and credit crime as one of the risk factors was affected by the types of shopping values.

• Journal of the Korean Home Economics Association
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• v.38 no.12
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• pp.111-129
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• 2000

The purpose of this study is to investigate the level of consumer instantly impulse buying in cuber market user. Also this study analyzes causal effect on consumer instantly impulse purchasing by demographic and social, place and promotion, consumer emotion state, and consumer internal and psychological variables. The data had been collected from on-line research method with 1,034, as using cuber market. The major statistical methods used for data analysis are frequency, percentile, mean, factor analysis, multiple regression analysis, Pearson's correlation analysis, and path analysis. The result of causal effect analysis were as follows; First, the variables affecting possession oriented materialism were sex and age. Second, the variables affecting self-control were sex, income, account of credit card, and instantly state of mind. Third, variables directly affecting instantly impulse purchasing were serif employed, banner advertisement, experience of cuber shopping, shopping mall pattern, instantly state of mind, purpose of shopping, happiness and success oriented materialism, and self-control. Also sex, income account of credit card, and instantly state of mind emerge to indirectly effect via self-control. Especially, the variables of success oriented materialism and instantly state of mind influenced on the highest of relative variables in consumer instantly impulse purchasing.

• Korean Journal of Human Ecology
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• v.18 no.1
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• pp.123-136
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• 2009

Debt and credit problems in Korea have been escalated during the past decade. The number of people with debt and credit problems is in its historic high. In May 2008, about 2.48 million debtors are officially classified as bad debtors and 7.20 million people have low credit scores. People with low credit scores are in disadvantageous situation in the financial market thus their financial transactions and activities are limited. In 2004, Korean government introduced various credit rehabilitation programs. However, most of these problems are remedial in nature and preventive programs such as credit counseling and debtor education are lacking. The purpose of this review is to examine US credit counseling and debtor education programs to obtain insights for preventive credit program developments in Korea. The review focused on programs offered through National Foundation for Credit Counseling, Jump Start, and Cooperative Extension Services from two large land grant Universities. From the program review suggestions and recommendations for educational contents, program and educator developments, and program quality control were discussed.

• International journal of advanced smart convergence
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• v.11 no.1
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• pp.64-69
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• 2022

The current research examines whether consumers' preference for credit card benefits (i.e., general credit card benefits vs. credit card benefits related to green life) differs according to their pro-environmental disposition. Specifically, we predict that for consumers with high (vs. low) pro-environmental disposition, their preference for credit card benefits related to green life will be higher, while preference for general credit card benefits will not be different between low and high pro-environmental disposition groups. An online survey (N = 487) was conducted to test the hypotheses. Consistent with the hypotheses, the results indicate that (1) respondents with high pro-environmental donation intention, as compared to those with low pro-environmental donation intention, had higher preference for credit card benefits related to green life; and (2) there was no significant difference in preference for general credit card benefits between high and low pro-environmental donation intention groups. We suggest an important insight into how credit card companies approaching ESG issues can increase their consumers' preference for credit card benefits relevant to green life, considering consumers' individual differences such as pro-environmental disposition.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.263-269
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• 2020

The purpose of this paper is to examine the impact of consumer price index, infrastructure, human resources, trade openness, and private credit on the attraction of foreign direct investment (FDI) in Tay Ninh province as well as to emphasize the important role of FDI in economic growth of developing areas. The research data was collected from Tay Ninh Statistical Office with 80 samples of a 20-year period from 2000 to 2019. Also, OLS regression method using Eviews software was employed to analyze the data obtained. The findings revealed that human resources, infrastructure and private credit have a positive and significant impact on FDI attraction in Tay Ninh province, while consumer price index was proven to affect FDI attraction negatively. Accordingly, competent authorities of Tay Ninh province should focus on stabilizing prices as well as implementing policies for developing local human resources and attracting high-quality personnel from foreign countries. Tay Ninh province also needs to pay more attention to information technology investment for synchronous development of infrastructure. Moreover, the State Bank of Tay Ninh branch needs to consider more credit sources to provide support packages for businesses, creating a strong basis for establishments to attract FDI for the province's economic development.

• Journal of Families and Better Life
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• v.9 no.2
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• pp.77-91
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• 1991

The use of credit cards has been increasing form last decade, although there are many kinds of difficulties for using credit cards. the aims of this study is exploring the problems of arising form the use of the credit card. Four types of the problem are proposed; 1) The problem of managing the credit card. 2) The problem of the time of using credit card 3) The problem of ' credit 'between issuer and user of credit card, 4) the problem of cosigner. The cases which concerned with each types of problem are discussed. Guidelines of using credit card are proposed that can be useful for consumer education and helpful for users and dealers of credit card.

• Fashion & Textile Research Journal
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• v.6 no.5
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• pp.585-594
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• 2004

This study aimed to classify the lifestyles of 1020 college students, and to analyze the effect of the lifestyles on the usages of credit card, price perception, purchasing satisfaction and the number of new clothing. The number of credit cards, total payment of credit cards and the attitude to credit card were different by the 7 clusters of college students, but the frequency of credit card use, the amount of cash service and arrear ages were not different. The perception to the apparel price, purchasing satisfaction, and the degree of clothing purchasing varied according to the lifestyle clusters. For example, 6th cluster being highest in the pursuit of appearance showed the highest amount of credit cards usage significantly and tendency of highest arrearage, and used credit cards mostly in clothing purchase.

• Journal of Family Resource Management and Policy Review
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• v.1 no.1
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• pp.131-140
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• 1997

The Purpose of this study were to examine the relationship between the motive of revolving credit card in the use of credit and financial management. The Samples were composed of 239 housewives in Seoul. The data were analized using frequency, percentages, and multiple regression. The major findings are summarized of follows : 1) Two-thirds of repondents used credit card over optimum standards. 2) Although the level of the motive of revolving credit in the use of credit card was not high, it was negative to financial management in the case of low-income household. 3) The contents of consumer education has to provide according to a different income class.