• The Journal of Economics, Marketing and Management
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• v.11 no.4
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• pp.19-30
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• 2023

Purpose: This study examines the factors that the Millennials and Gen Z prefers to invest in assets. We look at the asset structure they want now and in the future and the idea of designing the future. This can be expected that the center of Korea's asset market will change to the structure they want in the future. Research design, data and methodology: The spatial extent of the study is all over Korea including Seoul, the metropolitan area, and local cities. The survey was conducted for about 16 days from May 7 to May 22, 2023. The survey was conducted by the surveyor visiting the subject in person, distributing the questionnaire, explaining it, and filling it out in person. For the analysis, descriptive statistics and logistic regression analysis were conducted using the SPSS 25.0 statistical package. Results: It was confirmed that the preferred assets of the Millennials and Gen Z were different by period. There was also a difference in the influencing factors between Millennial Generation and Generation Z in asset preference. Conclusions: The Millennials and Gen Z's preferred assets were different by period. The reason is interpreted as the current process of collecting assets during the asset formation period. In the future, they intend to purchase real estate assets by using financial assets as a lump sum of money. We learned the characteristics of the entire Millennials and Gen Z, in addition, the difference between income and assets is believed to have affected the difference in preference factors of Millennial Generation and Generation Z, respectively.

• 한국노년학
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• v.37 no.3
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• pp.687-705
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• 2017

The purpose of present study is to examine the effects of the elderly's assets on life satisfaction, and to examine the indirect effects, such as financial and emotional support exchange with their children, between their assets and life satisfaction. For this study purpose, the 5th data of the Korean Longitudinal Study of Aging (KLoSA) was used. Abstracted from the data, 1,977 cases only for the elderly over 65-year-old were analyzed by employing SPSS 23.0 and SPSS Process Macro. The analysis results are summarized as follows. First, the assets of the elderly had a positive direct effect on the satisfaction of life. Second, the elderly's assets indirectly affected the satisfaction of life through the financial support exchange with their child(ren). Lastly, the elderly's assets indirectly affected the satisfaction of life through the emotional support exchange with their child(ren). Based on these results, this study suggests practical and political implications in terms of social welfare for the elderly's life satisfaction, so as to facilitate the elderly's assets accumulation, and to enhance support exchange between the elderly and their child(ren).

• The Journal of Asian Finance, Economics and Business
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• v.7 no.6
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• pp.9-18
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• 2020

This study seeks to analyze the effect of Non-Performing Loans and Capital Adequacy Ratio on Return on Assets on ten conventional banks listed on the Indonesia Stock Exchange (BEI-IDX). This study uses secondary panel data for 2015-2019 in the form of CAR and NPL values from ten conventional banks listed on the BEI-IDX during the 2020 observation period. The research approach is quantitative descriptive with data analysis methods, namely, linear regression. The testing phase of this study includes: transform value, F-test, T-test and hypothesis test with significancy level sig < 0.05. The results of this study reveal that Non-Performing Loans had a significant negative effect (t = -2,637) (0.011 <0.0) on Return on Assets, while Capital Adequacy Ratio has no significant effect on ROA (0.760 > 0.05). R2 value is 0.128 or 12.8%. It has a significant effect on variables, calling efforts by banks, governments, and authorities monetary of related institutions to maintain the stability of finance. The reduction of Non-Performing Loan impacts on assets and capital adequacy ratio, besides, the normal NPL will control the stability of finance. If a balance is created either in the form of values or amounts of the variables, the reduction in Non-Performing Loans will be controlled.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.109-115
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• 2021

This study aims to examine the effect of Operating Costs and Income, Loan to Deposit Ratio on the Return on Asset (ROA) of Public-Private Foreign Exchange Banks listed on the Indonesia Stock Exchange (IDX) during the 2015-2018 period. This study is a quantitative study using financial reports of Public-Private Foreign Exchange Banks listed on the IDX as a data source. This study's population is 25 Public-Private Foreign Exchange Banks listed on the IDX. This study uses purposive sampling to determine the sample to produce 21 banking companies. Data was analyzed using multiple linear regression methods and descriptive statistics. The F Test calculation results state that all the variables of free operating expenses, operating income, and the loan to deposit ratio simultaneously and significantly affect the return on assets (ROA) variable in Public-Private Foreign Exchange Banks listed on the IDX. This study's results indicate that simultaneously Operational Costs, Operational Income, and Loan to Deposit Ratio have a significant effect on ROA. Operational Costs and Operational Income have a significant negative impact on Return on Assets. The third hypothesis shows that the Loan to Deposit Ratio has a positive and insignificant effect on Return on Assets.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.7
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• pp.469-476
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• 2021

This study aims to examine and measure the impact of capital structure on the profitability of companies in emerging markets. The research sample includes eighteen rubber companies listed on the Vietnam stock exchange from 2015-2019. After collecting the research data, it was imported into excel to calculate the criteria for the research model. By using Stata 16 software, the study selected a data processing model and evaluated the relevance of the regression analysis model. The research results show that the profitability of listed rubber companies in Vietnam (measured by return on equity (ROE) has a positive relationship with the debt-to-asset ratio but has a negative relationship with the long-term debt-to-asset ratio. The results also show a positive impact of firm size and revenue growth on profitability while liquidity and the ratio of tangible fixed assets to total assets do not affect significantly. These results are consistent with most of the previously published studies. However, in contrast to many previous studies, our study shows that the long-term debt-to-assets ratio has a negative effect on profitability while the debt-to-asset ratio has a positive effect. This is entirely consistent with the characteristics of long-term debt use in emerging markets.

• Journal of Families and Better Life
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• v.14 no.3
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• pp.109-120
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• 1996

While theories of portfolio selection have been developed very little is known about how individuals actually go about constructing their asset potfolios. This study investigates empirically the characteristics of household's assets and which factor associated with risky and safe asset amount. Data used in this study consisted of 2,164 households and the statistics employed to analyze the data are univariate procedure Logit analysis and OLS. The results of this study were as follows: Among 2,164 households 505 housholds(23.3%) had risky assets. Average risky asset amount is 8,351,500 won and average safe asset amount is 7,086,900 won. Region education and occupation of household head home ownership transfer and other income and total expenditure had significant effects on either and other income and total expenditure had significant effects on either household having risky asset or safe asset. Financial income transfer and other income and total expenditure had significantly p sitive relation with the risky asset amount. Whereas age and the occupation of household head the sense of economic wellbeing earned financial tranfer and other income and total expenditure had significantly positive relation with safe asset amount.

• The Korean Journal of Health Service Management
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• v.10 no.3
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• pp.13-25
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• 2016

Objectives : The purposes of this study was to analyze business performance of university hospitals for the past 10 years. Methods : Management and finance data from 2005 to 2014 were collected from balance sheets, income statements and annual reports from 27 university hospitals. The dependant variable used was profitability which included return on assets, operating margin and net profit to gross revenues 1. The independent variables were general characteristics, liquidity, stability, activity and financial ratios. Results : University hospitals over the last 10 years had achieved good management performance. Using financial leverage, patient revenues, operating profit, nonpatient revenues, total assets and total debt, the total amount had increased by more than double. The ratio of fixed liability and fixed assets turnover was found to have a significant positive (+) effect on management performance in the years 2012-2014. Conclusions : Based on these results, this study suggests a more in-depth analysis using fixed liabilities and fixed assets.

• Journal of Korean Institute of Industrial Engineers
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• v.41 no.4
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• pp.396-407
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• 2015

The literature about intelligence assets allocation focused on mainly single or partial assets such as TOD and GSR. Thus, it is limited in application to the actual environment of operating various assets. In addition, field units have generally vulnerabilities because of depending on qualitative analysis. Therefore, we need a methodology to ensure the validity and reliability of intelligence asset allocation. In this study, detection probability was generated using digital geospatial data in MGIS (Military Geographic Information System) and simulation logic of BCTP (Battle Commander Training Programs) in the R.O.K army. Then, the optimal allocation mathematical model applied concept of simultaneous integrated management, which was developed based on the partial set covering model. Also, the proposed GA (Genetic Algorithm) provided superior results compared to the mathematical model. Consequently, this study will support effectively decision making by the commander by offering the best alternatives for optimal allocation within a reasonable time.

• Journal of the Korean Home Economics Association
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• v.50 no.4
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• pp.37-50
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• 2012

This research was conducted for the analysis the middle-old aged empty nest households' debt holdings and their financial status(emergency fund index, liquidity index, debt burden index) considering the level of income and assets. In order to accomplish this study, we made use of the KReIS third beta-version data. The results of the analysis were as follows. First, in all income asset groups there were more non-debts holding houses compared to debt holding houses. Moreover in debts holding houses, compared to other groups high income high assets groups were more. Second, the households that possessed more assets, had more debts. Third, the financial status of the households holding debts were more vulnerable compared to households that had no debts. Moreover, all income asset groups' emergency fund index were low. Households having no debts possessed low real assets and so the liquidity index was higher in holding debts households. In holding debts households, debt burden index was high. And especially these houses suffered from high debt burden when their income and asset were low.

• Journal of the Korean Home Economics Association
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• v.34 no.2
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• pp.201-215
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• 1996

The purpose of the study was to examine the effects of household characteristics to family savings. Family savings were defined in four ways such as monthly savings, average propensity to save, financial assets, and net financial assets. The household characteristics dealt with were family income, household size, number of earners, age, occupation, education, housing tenure, and urbanization. The data used in the study was Survey of Family Finance 1990. The main statistical method was multiple regression. Family income was found to the most important variable to determine four family saving variables holding other characteristics constant. Also, household size had significant negative effects on family savings. Two-earner households were found to have higher average propensity to save and less financial assets compared to single-earner households. Fro monthly savings and average propensity to save, the households with forties andfifties household head tended to be less than others, while financial assets tended to increase with the age of household head. Compared to salary earner households, blue-colored households had significantly lower average propensity to save, and the households with professionals had significantly higher financial assets. The college-graduated households tended to have less monthly savings than the elementary-graduated households. Also, the housing renters were found to have more monthly savings and higher average propensity to save, compared to the housing owners.