• The Journal of Asian Finance, Economics and Business
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• 제7권8호
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• pp.151-159
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• 2020

This study aims to determine the factors influencing the community behavior in improving competitive rural tourism as well as understanding the role of economic literacy in mediating socio-economic indicators and rural competitive advantage. This research followed an explanatory research to examine the relationship between variables including socio-economic variables and rural tourism competitive advantage. The data was gathered by conducting observations and interviews with tourism businesses, stakeholders, and the local village government, and related agencies as respondents. Furthermore, the data were analyzed following inductive and descriptive statistics. The findings indicated that, from all variables used, solely the environmental impact variable did not affect economic literacy and the competitive advantage of rural tourism. The moderating variables showed that the economic literacy mediates the economic impact on rural tourism competitive advantage. In addition, socio-cultural impacts on rural competitive advantage tourism, and the stakeholder involvement affects rural competitive advantage tourism. However, economic literacy failed in mediating between environmental impacts on rural competitive advantage tourism. This is due to the increasing understanding of the economy of the community around the tourist attractions it will increase the business around the tourist attractions that have an impact on environmental damage around the tourist attractions.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.269-280
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• 2020

This research aims to determine the direct and indirect effects of digital literacy, economic literacy, and entrepreneurial skills on the performance of small- and medium-sized enterprises (SMEs) in garment clusters in the Bulak tourism industry Depok. Carrying out quantitative research with survey methods, data collection is using a questionnaire technique with 90 respondents, via saturation sampling. This research data analysis uses SPSS software version 25.0. Path analysis is used to determine the direct and indirect effects between variables. The results showed digital literacy, economic literacy, and entrepreneurial skills significantly and positively affect the performance of small- and medium-sized enterprises. The main finding in this study is that digital literacy has the greatest influence on the performance of SME entrepreneurs, both directly and indirectly. The results of the study provide input on performance development strategies for SME entrepreneurs through digital literacy, including digital business relationships, online facilities, and networks. The findings are also complementary to the factors shaping the performance of SME entrepreneurs in the digital age. The research results show that digital literacy has the greatest direct and indirect influence on the performance of SME entrepreneurs; this shows the essential contribution of digital literacy in developing business and marketing networks.

• 아동학회지
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• 제30권5호
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• pp.87-102
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• 2009

This study used path analysis to investigate the effect of home environment on children's linguistic ability. Participants were 230 4- to 5-year-old kindergarten and child care children and their parents located in D city, Gyeongbuk Province. Instruments were the Children's Linguistic Ability Test (Suk Im Lee, 2006), and questionnaires to measure the physical and literacy environment at home and parents' socio-economic status. Results showed that parents' socio-economic status and application of a literacy environment directly caused children's literacy; physical surroundings and an environment of literacy were variables that effected children's literacy indirectly.

• 한국정보컨버전스학회논문지
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• 제5권2호
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• pp.3-24
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• 2012

본 연구는 대구광역시에 소재하고 있는 D대학 대학생 494명을 대상으로 경제이해력을 측정하고 측정된 결과를 통해서, 일반 사회적 특성, 금융경험, 경제생활 경험, 경제교육 경험 등이 경제이해력에 어떠한 영향을 미치는지 알아보고자 했다. 일반사회학적 특성에 따른 경제이해력을 먼저 살펴보면, 성별로는 여학생이 평균 48.33, 남학생의 평균이 46.76으로 대체로 낮게 나타났다. 대학생의 전공계열별로는 간호계열 대학생의 경제이해력 평균이 58.67로 가장 높게 나타났으며, 인문 사회계열평균 53.56, 다음으로 공학계열 49.00, 보건계열 45.78, 예 체능계열 평균 39.64로 경제이해력 평균이 가장 낮게 나타났다. 부의 학력에 따른 대학생의 경제이해력 평균에 차이가 나타났다. 부의 학력이 중학교졸업 이하인 대학생의 이해력 평균이 50.11로 가장 높게 나타났으며, 다음으로 고등학교 졸업 학력을 둔 대학생의 이해력 평균은 49.57로 나타났으며, 대학원 졸업 학력을 둔 대학생의 이해력 평균이 35.13으로 가장 낮게 나타났다. 모의 학력에 있어서도 고등학교 졸업 학력을 둔 대학생의 이해력이 49.35로 가장 높게 나타났으며, 대학원 졸업 학력을 가진 대학생의 이해력 평균이 40.00으로 가장 낮게 나타났다. 다음으로 금융 경험적 특성에 따른 이해력에서는 통장을 개설한 경험이 있는 대학생의 평균이해력은 48.47로 나타났으며, 개설한 경험이 없는 대학생의 이해력 평균은 30.20으로 낮게 나타났다. 경제생활 변수에 따른 이해력을 살펴보면 용돈의 수령형태에 있어서 용돈을 거의 받지 않는 대학생의 이해력 평균이 50.88로 가장 높게 나타났으며, 필요할 때 마다 수령하는 대학생의 이해력 평균은 44.23으로 가장 낮게 나타났다. 경제 교육적 변수에 따른 이해력을 살펴보면 경제 교육을 받았는가의 질문에 교육을 받은 적이 있다라고 답한 대학생의 평균이 50.09로 나타났고, 경제교육을 받은 적이 없다라고 답한 대학생의 평균은 45.23으로 나타났다. 경제교육이 필요하다라고 답한 대학생의 이해력 평균은 50.24로 나타났고, 경제교육이 필요치 않다라고 답한 대학생의 이해력 평균은 44.29로 나타났다.

• 한국과학교육학회지
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• 제21권5호
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• pp.893-905
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• 2001

Korean students ranked the 3rd out of 32 participating countries in the first cycle of PISA(Programme for International Student Assessment) science field, which assessed 15-years-old students' scientific literacy. PISA developed several variables such as parents' socio-economic status, parents' educational attainment, family wealth, and cultural possession, to investigate the effects of background variables on scientific literacy. On the other hand, motivation and engagement in science study were not given much attention, partly because science was the minor area in the first cycle of PISA. Therefore, PISA Korea developed a series of variables to collect data on students' learning motives and out-of-school activities in science as a national option. The results are as followings. First, Korea was found to be one of the PISA participating countries with the scientific literacy achievement least influenced by parents' socio-economic status, family wealth, and parents' cultural possession. Second, the degree of achievement in scientific literacy according to parents' educational attainment was in a positive correlation, similar to the overall tendency of PISA. Third, the most crucial learning motive for Korean students was their desire to develop scientific thinking abilities or obtain science knowledge. On the other hand, choosing jobs in the field of science or parental expectation was the least important learning motive. In particular, the motive for scientific learning was found to have a positive relationship with the degree of scientific literacy achievement. Therefore, the higher the students achievement, the stronger the motive for scientific learning in order to develop their ability to think scientifically or acquire science knowledge. Fourth, Korean students were shown to participate very little in out-of-school scientific activities other than watching TV programs related to science. Whatever the activities may be, the more actively involved students are in out-of-school scientific activities, the higher their scientific literacy achievement. Fifth, Korean girls were rather passive compared to boys in all areas, including science learning motive and out-of-school scientific activities. The gender difference was especially more pronounced in out-of-school scientific activities with wider gaps in such activities as reading scientific books or articles and visiting science-related web sites.

• 디지털융복합연구
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• 제12권2호
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• pp.69-78
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• 2014

본 연구는 디지털 미디어 리터러시 격차의 현황과 원인을 리터러시의 세부요인을 중심으로 탐구하는데 목적이 있다. 특히 세대와 경제수준 변인이 디지털 미디어 리터러시의 세부요인별로 어떠한 격차를 발생시키는지를 실증적 데이터를 중심으로 분석하였다. 어린이, 청소년, 성인, 고연령층에 이르는 미디어 이용자 총 2,171명을 대상으로 실시한 설문조사 결과, 세대간 집단 차이는 디지털 미디어 리터러시의 8개 세부요인에 따라 각각 상이한 양상을 보였다. 경제수준 역시 격차에 영향을 미치는 요인으로 분석되었으나, 세대 변인과의 상호작용 효과에 의해, 성인집단에서만 유의미한 차이를 갖는 것으로 나타났다. 이러한 분석결과를 바탕으로 디지털 미디어 리터러시 격차를 해소하기 위한 정책방안을 제시하였다.

• Educational Technology International
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• 제17권2호
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• pp.229-251
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• 2016

This study was designed to investigate the relationship between middle school students' smart media competency and online learning outcomes. The context of this study was on online inquiry-based mathematics and science learning environment, and four-hundred and fifty-five (455) 7^th to 9^th grade students in Korea participated in this research. To assess students' smart device competency, Smart Media Literacy Quotient (SMLQ) which consisted of 18 items regarding the operation ability of smart media and its application (14 items) and positive beliefs of smart media (4 items) was administered to each student. The findings of this study first showed that students' smart media literacy varied according to their characteristics such as gender, grade, class (subject), and socio-economic status. Female students' scores were higher in overall smart media literacy operation and learning ability of smart media than male students. 7^th grade middle school students represented lower smart media literacy scores, compared to 8^th and 9^th graders. Also, minority students were significantly lower in smart media literacy, operation and learning ability of smart media, and positive belief of smart media than the non-minority students. Second, overall smart media literacy and operation and learning ability of smart media varied among high, medium, and low score achievers in inquiry tasks. Low scored students in inquiry tasks were significantly lower in overall smart media literacy and operation and learning ability of smart media than medium scored students. Lastly, smart media literacy also varied by students' dropout/completion. Students who dropped out reported significantly lower scores in overall smart media literacy, operation and learning ability of smart media, and positive belief of smart media.

• Journal of Contemporary Eastern Asia
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• 제21권2호
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• pp.47-68
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• 2022

Micro, Small, and Medium Enterprises (East Java, Indonesia) are one of the businesses that drive developing nations' economies with various challenges, particularly in finance and digitalization. The impact of financial literacy and the use of digitalization can affect the recording and reporting of company performance. This is quantitative research, and the population in this research is SMEs in East Java, with 401 SMEs from various businesses for the sample used. This research uses the primary data method of SMEs in East Java with the Structural Equation Model as a data analysis tool. The results showed a significant relationship between financial literacy and financial performance, and digital literacy was based on financial performance. However, digital literacy could not moderate financial literacy with the financial performance of East Java SMEs. Much of the untapped potential in this study was adopted from financial governance and digitalization. It is hoped that the subsequent study will examine other phenomena on the variables used in the post-pandemic.

• 유통과학연구
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• 제13권11호
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• pp.69-77
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• 2015

Purpose - Economic status at an early stage of life after one's retirement is often determined by the long-term sacrifice of one's earlier consumption tendencies. In general, the first and foremost way to secure income after retirement is through annuity savings. People sign up for personal annuity savings in order to guarantee a stable economic life upon retirement, and such actions may be heavily influenced by self-efficacy. Confidence in current economic activity is a source of rational decision-making. Inability to achieve self-control can lead to reckless spending and the eventual hindering of proper investment for the future. This paper examines how self-efficacy and self-control affect the intention and action of enrolling in an annuity savings plan in relation to one's level of financial literacy. Research design, data, and methodology - To analyze the proposed model, this study investigates financial consumers over the age of 20. The data were collected from 511 respondents and analyzed with SPSS 21.0 and AMOS 21.0. First, for the one-dimensional test and to measure the convergent validity of each structure, we use the scale purification process. The results of the test and the confirmatory factor analysis ensure the focus of the validity of the single dimension for each structure. In addition, the validity of the measurement was guaranteed from the results of correlation analysis. Results - First, self-efficacy and self-control have positive effects on the purchasing intention of the personal annuity savings plan. Second, purchasing intention positively affects purchasing behavior. Lastly, self-control has a positive effect on purchasing intention among the low financial literacy group, whereas self-efficacy does not have this effect in the high financial literacy one. Conclusions - The time of product benefit is different with age. The younger group would be granted the savings after several decades once they enroll, whereas the older group would wait for a relatively shorter period of time. Therefore, further research should be conducted in order to verify such a difference. However, this study has value through its confirmation that the roles of self-efficacy and self-control play a part in leading to the enrollment in annuity savings plans and by verifying different effects based on levels of financial literacy. Such results suggest a number of implications in a real life setting. First, banks need to put greater emphasis on the stability of annuity savings in general. Second, customers with relatively low levels of financial literacy are able to control their finances through annuity savings, but find self-efficacy difficult due to a lack of financial understanding. Therefore, such customers should be approached from an invest-effectiveness comparison method. Third, customers with high financial literacy tend to put more value in rational economic decision-making and behavior than in self-efficacy. Therefore, such customers should be approached by promoting the reliability of annuity savings and the excellence of the specific bank's annuity savings plan in comparison to those of other financial institutions.

• 디지털융복합연구
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• 제16권6호
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• pp.45-51
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• 2018

자본시장에서 올바른 경제적 의사결정을 위해서는 재무이해력에 대한 수준을 향상시킬 필요성이 제기되어 왔으며, 선진국을 중심으로 재무적 문제에 대한 대응력을 키우고 경제적 환경변화에 대처하기 위해 재무이해력 교육을 강화시켜왔다. 본 연구에서는 K대 학생들의 재무이해력 수준 향상이라는 목표를 가지고 시행한 교양회계 교육이 효과가 있는지 분석하였다. 교양회계 과목을 개설한 후 각 단계별로 테스트를 거쳐 재무이해력 수준의 효과를 분석하였다. 분석결과 교양회계 과목 교육 후 학생들의 재무이해력 수준이 높아짐을 알 수 있었다. 이러한 결과는 재무이해력 향상을 위해 교양회계 과목 교육의 실효성이 높다는 것을 의미하며, 각 학교에서 재무이해력 증진 프로그램 마련 시 교양회계 과목이 유용함을 보여주는 결과이다.