• 가정과삶의질연구
• /
• 제30권3호
• /
• pp.105-118
• /
• 2012

This study aims to recognize cognition of credit card and shopping value in contemporary society, cognition of credit card and shopping value according to types of consumption orientation, and factors that influence cognition of credit card and shopping value, and ultimately provide a foundation for establishing proper shopping value. A total of 453 women and men residing in Seoul have been set as research object in order to achieve the purpose of the study. The data was analyzed by Cronbach' alpha, frequencies, percentile, mean, factor analysis, K-mean cluster analysis, t-test, ANOVA and Duncan's multiple range test, multiple linear regression. All analysis progress was done by spsswin12.0 statistics program. A summary of this research goes as follows: First, categorization of consumption orientation lead to two clusters of rational and symbolic & conspicuity consumption patterns and cognition of credit card was categorized into positive and negative cognition and shopping value was categorized into hedonic shopping value, utilitarian shopping value and time-save shopping value. Second, rational shoppers had high utilitarian shopping values and symbolic & conspicuity shoppers had high both hedonic shopping values and utilitarian shopping values. Third, the most influential factor in hedonic shopping value and utilitarian was consumption orientation. In conclusion, this research has showed that cognition of credit card and shopping value according to types of consumption orientation patterns varied, and that consumption orientation was an influential factor on cognition of credit card and shopping value.

• 가정과삶의질연구
• /
• 제19권1호
• /
• pp.235-251
• /
• 2001

The purposes of this study was to develop household debt management education and counseling programs. The issues related with the consumer use of credit were identified and the selected programs of the United States were analyzed to develop the education and counseling programs for Korean households. Curriculums for the debt management education in three subjects and the process for debt counseling were suggested. Debt management education program included the issues related to general credit management strategy, credit card usage, and debt burden. For debt counseling, worksheets of problem identification, budget analysis, and action planning were developed.

• The Journal of Asian Finance, Economics and Business
• /
• 제9권3호
• /
• pp.303-309
• /
• 2022

The goal of this research is to examine how credit (loan) can help rural households in Tra Vinh province create jobs in the wake of the COVID-19 outbreak in Vietnam over the last two years. The authors performed a direct survey, using a questionnaire, with 300 customers who had loan records at the Tra Vinh VBSP branch under the loan programs. From January to April 2021, jobs will be available at 07 transaction offices in districts and cities (Cau Ngang; Duyen Hai, Tieu Can, Cang Long, Tra Vinh City, Chau Thanh, Tra Cu). Using the multivariate regression method, the research has found 12 factors affecting the ability to access the employment loan program: Age, Educational Level, Occupation of households, Income, Household land area, Asset, Loan, Interest rates, Loan procedures, Loan purpose, Credit relations. From the above research results, the authors have proposed solutions to improve the ability to access credit to create jobs for each subject group at Viet Nam Bank for Social Policies, Tra Vinh Province in the future.

• 한국간호교육학회지
• /
• 제1권1호
• /
• pp.24-31
• /
• 1995

This study was attempted to identify the present state of the Junior College of Nursing such as philosophy of education and goal of education. The study was based on the data from 17 Junior colleges of nursing. The survey was conducted from Jun. 21st to 30th. 1994. Data was analyzed by percentage. The results of this .study was summarized as follows : 1. The number of Junior college of nursing is 44, the number of graduates is 776, and the rate of employment is 97.3% in 1993. 2. 6 of 17 schools present the philosophy of education and the chief concepts of them were idea of establishment, human being, health, environment, nursing, nursology, nursing education and nurses. The most frequent presented general goal of the education was to train professional nurse (64.7%). The most concrete goal of the education was fostering of the competence and quality of students to enhance self development which based upon scientific thinking and skillful activities. (58.8%). The average total credit was 142.3(range of 133 to 155). The average liveral art credit was 27.2 and major credit was 104.1. The credit of clinical pracetice was 20.6 (1153.6 hours). 3. The most important problems of Junior College of Nursing was multiprogram of nursing edcuation. It should be unionized into 4 year program. 4. There should be a good nursing curriculum and philosophy which meet the modern nursing concept and diversional social needs.

• 한국생활과학회지
• /
• 제15권6호
• /
• pp.999-1014
• /
• 2006

The purpose of this study were to develop a financial management educational program for college students and to evaluate the effect of this program. In order to achieve this aims, a fundamental work to select the educational contents was preceded with a survey of learners' needs, preceding studies. After choice of educational contents, learners' demands on how to manage the educational program was executed in advance. The participants in this study were 500 students, resulting in 460 with usable data. Second, reflection the above mentioned educational contents, a concrete financial management educational program was built. This program consists of 9 domains: financial planning, careers and income, consumer spending, credit use and Credit cards, Managing Taxes, investment planning, risk management and insurance, retirement and estate planning, contribution. The participants for this program implementation were 68 students. Third, to evaluate the effects of the financial management educational program, paired t-test was conducted in using the SPSS package. The result suggested that financial management educational program has a positive effect on financial knowledge, financial attitude and financial management behavior. Several implications based on the findings were suggested.

• 과학교육연구지
• /
• 제46권1호
• /
• pp.93-108
• /
• 2022

이 연구의 목적은 2025년 전면적으로 시행되는 고교학점제에 활용 가능한 융합교육(STEAM) 프로그램을 개발하고 그 타당성과 효과성을 알아보는 것이다. 융합교육(STEAM) 프로그램은 2015 개정 교육과정과 고교학점제 선행연구를 분석을 통해 얻어진 '수소연료', '기후위기', '데이터 사이언스', '적정기술', '바리스타'라는 5개의 최신 이슈를 주제로 개발되었다. 프로그램은 연구팀이 자체 개발한 고교학점제 융합교육(STEAM) 프로그램 개발형식(틀)에 맞춰 집단 숙의의 과정을 통해 7개월간 개발되었다. 고등학생의 진로·직업을 간접적으로 체험할 수 있도록 개발된 5종 29차시의 융합교육(STEAM) 프로그램 초안은 2인의 융합교육(STEAM) 교육 전문가에게 자문을 통해 검증을 받았으며, 프로그램의 현장 적합도를 판단하기 위해 5개 고등학교 627명을 대상으로 시범 적용하였다. 시범 적용 결과, 학생들의 융합교육(STEAM) 태도는 사전보다 사후가 통계적으로 유의미하게 향상된 것을 확인할 수 있었으며, 프로그램에 대해서 학생들의 높은 만족도를 확인할 수 있었다. 또한 시범 적용 교사 면담을 통해 '프로그램의 내용과 수준이 적합하며, 실생활 문제를 해결하는 경험을 통해 관련 교과의 내용 지식을 적용하고 진로 체험의 기회를 가질 수 있다'는 긍정적인 평가를 받았다. 시범 적용의 결과를 바탕으로 5종 29차시의 학생용·교사용 고교학점제 융합교육(STEAM) 프로그램을 최종 완성했다. 마지막으로 고교학점제에서 적용할 수 있는 차시대체형 STEAM 프로그램 개발 및 운영이 활발하게 이루어져야 할 것과 고교학점제가 바람직하게 정착되고 운영될 수 있도록 교사의 전문성 향상 방안 마련, COVID-19로 촉발된 블렌디드 수업 설계의 필요성 등을 제언하였다. 이 연구는 2025년 전면적으로 시행되는 고교학점제에서 융합교육(STEAM) 프로그램 개발 및 운영 방안에 대한 기초 자료로 활용될 것으로 기대한다.

• 벤처창업연구
• /
• 제18권5호
• /
• pp.77-90
• /
• 2023

본 연구의 목적은 SNS 사용특성과 대출상품의 특성, 개인특성이 신용대출 상환에 미치는 영향력을 확인하여 SNS를 활용하는 대안신용평가가 기존 대출심사를 보완할 수 있는지를 검증하기 위함이다. 이를 위해 SNS를 활용하여 실제 대출심사에 반영하고 있는 T사 A 신용대출 프로그램 데이터를 이용하여 SNS 사용특성, 대출특성, 개인특성이 신용대출 상환에 미치는 영향력을 이항로지스틱 회귀분석을 통해 분석하였다. 분석결과 첫째, 사용자의 성격 및 개별 특성을 나타내는 프로필 사진의 경우 본인을 드러내지 않으려고 프로필 사진을 등록하지 않은 사람들과 달리 외향적인 경향의 사람이 선택할 가능성이 큰 본인 사진, 가족, 친구 등의 사적그룹 사진, 성실성의 경향이 강한 사람이 선택할 확률이 높은 취미 등 사회활동 사진, 개방성과 신경성이 높은 경향의 사람이 많이 선택하는 캐릭터·유머 사진, 개인의 사생활과 직결되는 가족·친구 등 사진을 SNS에 사용하는 사람들일수록 신용대출 상환에 적극적인 것으로 나타났다. 본인을 감추는 풍경 등의 사진 사용과 신용대출 상환과의 인과관계는 통계적으로 유의하지 않은 것으로 나타났다. 또한, SNS 사용량이 많을수록 신용대출 상환가능성이 높아지는 것으로 나타났다. 반면 SNS 소통량은 신용대출 상환가능성에 유의한 영향을 미치지 않는 것으로 나타났는데, 이는 소통량이라는 변수가 사용자가 직접 작성한 글보다는 타인의 댓글에 대한 공감을 나타내는 수동적 측면이 강하기 때문에 나타난 결과라 판단된다. 대출채권이 가진 특성을 나타내는 대출기간과 대출횟수도 신용대출 상환에 통계적으로 유의한 영향을 미치는 것으로 나타났다. 이는 대출기간과 대출횟수가 소액대출 상품에서도 중요한 영향요소로 고려되어야 함을 의미한다. 개인 특성 변수 중에서는 성별만 유의하게 나타났다. 이는 분석에 사용한 대출프로그램이 은행 등의 금융기관에서 대출이 불가능한 저신용 점수를 가진 20~30대 고객이 대부분인 상품으로 이용자의 나이와 신용점수에 있어서 차별성이 크지 않다는 것을 의미한다. 본 연구는 SNS사용량과 프로필 사진 등 기존 신용평가 연구에서 다루지 않은 변수를 사용하여 신용대출 상환과의 영향관계를 실증분석 하였다는 점에서 기존 연구와 차별성을 갖는다. SNS와 같은 주관적 비정형정보를 서민지원 대출심사에 활용한다면, 신용거래가 없어서 신용등급이 낮거나 단기적 유동성 함정에 빠진 차입자 즉 금융이력부족자(Thin filer)들이 신용거래 등의 금융 이력이 축적될 때까지의 신용비용에 대한 불이익을 감소시킬 수 있다는 점에서 의의가 있다.

• Human Ecology Research
• /
• 제61권3호
• /
• pp.297-318
• /
• 2023

The purpose of this study was to develop a high school home economics financial consumer education program based on backward design and validation by experts. The program was designed and developed by first selecting learning content elements through a review of existing research and an analysis of relevant literature. The next step was to categorize these elements into seven themes and apply the backward design instructional design model 2.0. The program was prepared in the form of a 21st teaching-learning course plan and workbook and was verified by nine home economics teachers with working experience in high school. The evaluation revealed that the average value for all questions was 3.81 (out of 4 points) and the CVR was .99, indicating that the program was valid. In addition, positive evaluations were received in terms of learning goals, content level, and learner participation by class. This study has significance in that a systematic financial consumer education program was developed by Education of Home Economics to improve the financial literacy of high school students. It can therefore be used as an elective course (mini-course) in Home Economics in the high school credit system. A follow-up study will be required to assess the improvement in financial literacy after implementing this program.

• 한국산학기술학회논문지
• /
• 제10권4호
• /
• pp.824-829
• /
• 2009

신용카드로 결제 시 바로 SMS 문자로 통보해주는 서비스가 활발히 이용되고 있다. 그러나 SMS문자는 단순한 1회의 결제 정보만을 제공할 뿐이다. 유선 네트워크나 모바일 네트워크에 연결하여 신용카드 사용정보를 조회하고 관리하는 방법이 있기는 하지만 유선 네트워크가 설치된 곳으로 이동해야 한다는 공간적인 문제와 이동 중에 바로 사용할 수 없다는 시간적인 문제가 발생한다. 또한 모바일 인터넷의 경우 접속 시 비용이 발생하는 문제점이 있다. 본 논문에서는 이러한 문제점을 해결하기 위하여 SMS 문자를 취합 및 분석하여 효과적으로 신용카드의 사용 내용을 관리할 수 있는 프로그램을 구현하였다. 전월 사용내역, 금월 사용내역, 전월 사용총액, 및 금월 사용총액, 할부내역 등을 어떤 비용도 없이 조회 할 수 있도록 하여 가입자의 편의를 제고하였다. 이것은 사용자들이 효과적으로 신용카드 결제정보를 관리할 수 있게 한다.

• 무역상무연구
• /
• 제57권
• /
• pp.283-303
• /
• 2013

When a trade conflict arises related to an officially supported export credit programme, The World Trade Organization(WTO), decides on whether the programme is a forbidden subsidy stipulated in the Agreement on Subsidies and Countervailing Measures(the ASCM Agreement). Korea was taken to the WTO panel two times for the export credit programme. One is the semiconductor case in 2002 and the other was the shipbuilding disputes in 2004. And, In 2012, the U.S. Commerce Department ruled K-SURE's export insurance for Korean refrigerator manufacturers as a forbidden subsidy even if the case was not taken to the WTO. This paper examines the significance of export credit programmes on the WTO ASCM Agreement and discusses how to operate these programmes so they would not infringe upon the Agreement by analyzing the actual cases of WTO subsidy conflicts that involved Korean enterprises in relation to export credit programmes for the purpose of determining the related issues and impacts. From this research the results were as follows: First, on whether export credit is a prohibited subsidy, the deciding factor was whether a benefit has been conferred to the beneficiary. On the presence of a benefit, the WTO panel used market benchmarks as the main criteria. Thus, official export credit agencies(ECAs) should be careful not to provide export credit support which had been granted to the beneficiary at better than market terms. Second, in the case of export credit, the special status of ECA as a public body receiving government support itself does not constitute a subsidy. However, caution must be taken not to provide export credit that may lead to WTO ASCM subsidy conflicts involving a certain exporter or industry by setting up clear and valid regulations and fair work processes in the operation of export credit programmes. Third, item (j) of Annex I cannot be interpreted reversely as this item is for interpreting the presence of a prohibited subsidy, not the presence of a benefit. Thus, an export credit program that confers a financial contribution, a benefit and specificity, could qualify as a prohibited subsidy. Fourth, ECAs not only have to maintain long-term account balance but also introduce additional measures to meet this long-term balance such as a clear and systematic premium system. Finally, export credit programmes that are not defined in item (j) of Annex I of the ASCM Agreement would not deemed as an prohibited export subsidy as long as the continued support of the programmes are not being forced.