• 대한가정학회지
• /
• 제35권2호
• /
• pp.95-110
• /
• 1997

The purpose of this study were 1) to identity housing fund by the type of housing mobility and 2) to analyze the variable contributing to housing fund by the type of housing mobility. For these purposes, the 1993 KHPSD data was used and the sample in this study consisted of 2,796 couple households. Statistics employed for the analysis were frequencies, means, univariate analysis and multiple regression analysis. As the results, the composition and the amount of housing fund according to the type of housing mobility, were different respectively. Housing fund was consisted of previous housing sales price, savings deposits, loans, inheritance, subsidy, and personal debts. Households who already own houses used housing finance for their housing fund easily while renters were at a disadvantage to use housing finance. Moreover, among the contributing factors, home ownership, number of family member, residence, average monthly income, average monthly expenditure, husband's education attainment, satisfaction with housing, husband's job, and the type fo housing were positively associated with the amounts of housing funds. However, duration fo residence tended to negatively related to the amounts of housing funds.

• The Journal of Asian Finance, Economics and Business
• /
• 제9권9호
• /
• pp.93-104
• /
• 2022

This study aims to investigate the factors that contribute to the sustainable development of 334 Vietnamese construction and real estate companies listed on the Stock Exchange of Vietnam over a 5-year period from 2016 to 2020. By using regression analysis with the support of STATA software through examining the financial statements, which involves looking into crucial ratios including capital structure, profitability, firm size, accounts receivable management, and tangible assets investment, this study sheds light on whether these accounting indicators could help predict the construction and real estate companies growing potential in the future. Nevertheless, these ratios slightly contribute to the explanation of the change in revenue growth ratio, with a result of 1.6%, indicating that the value relevance of accounting information provides a modest and insignificant effect on investment decisions. This is understandable because the Vietnamese construction and real estate market still has many shortcomings in handling unexpected events, as well as the industry's peculiarities related to major capital sources from bank loans. Based on this study, governmental authorities and business executives should plan appropriate risk management policies and measures to contribute to the sustainable development of construction and real estate companies.

• 한국산업정보학회논문지
• /
• 제27권4호
• /
• pp.115-126
• /
• 2022

코로나 19 팬데믹으로 인하여 보건의료분야 공적개발원조(ODA)의 중요성이 강조되고 있다. ODA 사업으로 지원된 의료기기의 운영관리, 유지보수에 대한 사후관리, 이를 실현하기 위한 직종별 차별화된 교육훈련 제공이 필요하다. 본 연구에서는 효과적인 의료기기 사후관리, 운영관리를 위해 직종(사용자와 유지보수자)간 교육훈련 성취도의 차이분석을 t-test 검증을 통해 분석하였다. 분석결과, 의료기기 사용자와 유지보수자 간 중점관리 대상 의료기기 6종류의 사용법과 관리방법(Q5), 각 의료기기의 사용 매뉴얼 이해(Q6)에서는 집단 간 차이가 있는 것으로 분석되었지만, 교육의 필요성, 목적, 강사에 대한 만족도 및 직종 간 커뮤니케이션의 필요성에서는 차이가 없는 것으로 분석되었다.

• 환경정책연구
• /
• 제3권1호
• /
• pp.55-69
• /
• 2004

Bioenergy can be obtained from various forms of biomass such as agricultural, food processing, and municipal wastes. Recently, its importance is recognized more seriously because of its positive impacts on economic and stable energy supply and environmental sustainability. Despite its advantages, bioenergy has not been used as much as it was expected, nor has it been developed to the level of attractive commercialization in energy market. The main reasons for the sluggish progress have been analyzed by comparing the bioenergy policies in Korea and U.S.A. Both Korea and U.S. governments have recognized the importance of bioenergy and put in various efforts to promote the use of bioenergy. Both governments have legislated alternative energy promotion plans that support R&D, tax reduction, rewards, and low interest loans. However, it is suggested that the bioenergy policy and plan juxtapose the financial supports (R&D, tax exemption, low interest loan, education, etc.) with strong mandates and obligations. Although imposing strong mandates prerequisites the economically attractive and feasible technologies, it can motivate and speed up more effective technology development, in turn. In addition, the bioenergy R&D support must include studies on commercialization and marketing as well as process development. R&D on the socioeconomic effects of bioenergy should also be supported. Lastly, decision making processes for the bioenergy policy, and for alternative energy overall, must include environmental agencies for taking advantage of environmental benefits of bioenergy.

• Industrial Engineering and Management Systems
• /
• 제14권4호
• /
• pp.347-371
• /
• 2015

A hybrid procedure based on multi-Criteria Satisfaction Analysis (MUSA) and a Network Data Envelopment Analysis (NDEA) is proposed to evaluate the relative efficiency of customer services in bank branches. First, a three-stage process including sub-processes such as customer expectations, customer satisfaction, and customer loyalty, is defined to model the banking customer services. Then, fulfillment of customer expectations, customer loyalty level, and the customer satisfaction degree are measured and quantified through a multi-dimensional questionnaire based on customers' perceptions analysis and MUSA method, respectively. The customer services scores and the other criteria such as mean of employee evaluation score, operation costs, assets, deposits, loans, number of accounts are considered in network three-stage DEA model. The proposed NDEA model is formed based on multipliers perspective, output-oriented, and constant return to scale assumptions. The proposed NDEA model quantifies and assesses the total efficiency of main process and assigns the efficiency to customer expectations, customer satisfactions, and customer loyalties sub-processes in bank branches. The whole procedure is applied on 30 bank branches in IRAN. The proposed approach can be used in other organizations such as airports, airline agencies, urban transportation systems, railway organizations, chain stores, chain restaurants, public libraries, and entertainment centers.

• 농촌지도와개발
• /
• 제7권2호
• /
• pp.377-390
• /
• 2000

The purpose of this paper was to draw implications for community economic development policies of Korean local governments by investigating the community economic development policies of the USA local governments. Those policies can be segmented to first wave(1950s-1970s), second wave(1980s), and third wave(1990s) of development policy. First two policies entailed some expense to community residents by providing low tax rates, tax abatement, tax reliefs, industrial revenue bonds, and direct state loans for potential companies. These policies brought ‘clawback’ and ‘drawbacks’ to the local residents. The third wave of community economic development policy includes capital market programs(predominantly government-financed loan programs and government support for predominantly privately financed loan or equity programs), providing information and education for small business in the communities, supporting small business by providing high technology and research, and export assistance-providing information/training opportunity how to export, sending trade missions, and export financing. Local government authorities in Korea should learn the community economic development policies administrated by the USA local governments so that they can avoid the potential try-and-errors in establishing, planning, and administrating their economic development policies.

• The Journal of Asian Finance, Economics and Business
• /
• 제8권8호
• /
• pp.365-373
• /
• 2021

Loan monitoring is a fundamental element of credit control. The importance of loan monitoring is to reduce loan defaults and to increase loan repayment performance. The ex-post monitoring can also increase the loan quality and thus a concern to many creditors in the market economy. This study identifies the role of ex-post monitoring on loan repayment performance in the context of rural Vietnam. Employing primary data from rural areas of Vietnam, this study investigates the impacts of ex-post monitoring on loan repayment performance of individual borrowers in terms of on-time loan repayment and the rate of loan repayment. Descriptions of borrower demographics, loan information, and ex-post monitoring show the initial picture of borrowers and loans in Vietnam's rural areas. Quantitative estimations that use the Probit and the Tobit model confirm the argument that better ex-post monitoring would result in better loan repayment performance in both on-time repayment and repayment rate. Thus, some policy suggestions have been made to improve the monitoring system in each financial institution. The study also indicates that some other factors too affect loan repayment performance such as borrower's characteristics (education, agricultural working area, and income) as well as loan's characteristics (loan size, maturity, and loan purpose).

• 지역연구
• /
• 제35권1호
• /
• pp.59-72
• /
• 2019

본 연구는 저출산 및 인구절벽 현상 등으로 인해 국가경쟁력에 위협이 되는 사회적 현상에 주목하고 있다. 따라서 신혼부부가구를 대상으로 위계적 구조를 갖는 신혼부부가구의 주거특성 및 거주지역 특성이 신혼부부가구의 출산계획에 미치는 영향에 대한 종합적으로 분석을 시도하였다. 이를 위해 '2016년 신혼부부가구 주거실태조사' 자료를 활용하여 위계선형모형(HLM) 분석을 실시하였다. 본 연구의 주요한 분석 결과는 다음과 같다. 첫째, 신혼부부가구의 출산계획에는 가구의 주거특성뿐만 아니라 지역의 평균 주택가격, 사교육비, 지역 아동센터수와 같은 지역특성이 상당한 영향을 미치는 것으로 나타났다. 둘째, 신혼부부가구의 주거특성 중 주택대출상품 이용 여부와 점유형태는 지역특성 중 주택가격과 지역 아동센터 수와 상호작용을 갖는 것으로 나타났다. 즉, 주택 대출상품을 이용할 경우 지역의 주택가격이 높다면 오히려 출산계획을 감소시키는 부정적인 조절효과를 갖는 것으로 나타났으며, 지역 아동센터 수가 높은 지역에서는 자가가구보다 임차가구일 경우 출산계획에 긍정적인 영향을 미치는 것으로 나타났다. 이러한 연구결과는 신혼부부가구의 출산율을 제고하기 위해 주거특성과 지역특성을 동시에 고려해야 한다는 점과, 어떠한 요소들을 토대로 출산지원정책을 마련해야 하는지에 대한 시사점을 제공한다.

• Human Ecology Research
• /
• 제62권3호
• /
• pp.409-426
• /
• 2024

The purpose of this study was to analyze the financial portfolios of single-person households. For the analysis, data from the Korean Labor Panel Survey (2021) was utilized, comprising 2,905 single-person households. The major findings are as follows: First, the proportion of households with monthly savings was 32.0%, while the proportion of households holding financial assets was 72.1%. Second, regarding the composition of monthly savings, single-person households predominantly held savings accounts (93.3%), followed by insurance (4.7%), with cumulative funds at a mere 0.8%. The composition of financial assets showed that the majority were in bank deposits (78.5%), followed by risk management assets (18.0%), and investment assets (2.4%). Third, multivariate analysis results revealed that younger age, higher education level, and better financial factors were associated with a higher probability of having monthly savings. The results for financial assets were largely similar, with females showing a higher likelihood of asset possession compared to males. Fourth, the proportions of both bank savings in total savings and insurance generally had opposing effects. Fifth, age group had the greatest influence on the proportions of safety and insurance assets, followed by income group. Middle-aged households had lower proportions of safety assets but higher proportions of insurance assets compared to young households, while the opposite trend was observed for elderly households. Middle-income households had higher proportions of insurance assets compared to low-income households, whereas high-income households had higher proportions of investment assets. Lastly, cluster analysis categorized single-person households' financial portfolios into five groups: Group 1 (32.2%): "Old-Sustain" characterized by insufficient current income but economically stable retirement. Group 2 (29.4%): "Financially Active" engaging in various financial activities due to relatively high education and employment rates. Group 3 (28.0%): "Financially Inactive" classified as elderly groups with minimal financial activities. Group 4 (9.1%): "Risk Financial Structure" consisting of relatively young individuals focused on risk management assets but facing issues in financial asset management due to high-risk assets and financial loans. Group 5 (1.3%): "Stable-Insurance Oriented" with high financial assets and income concentrated in insurance for both savings and financial assets.

• 한국융합학회논문지
• /
• 제10권11호
• /
• pp.125-130
• /
• 2019

사회전반에 걸쳐 드론의 활용도와 가치가 높아지고 있다. 그러나 국내 드론업체의 기술 부족, 드론관련 규제, 기술평가 항목 부재 등 정부의 지원과 투자가 부족한 것으로 나타났다. 따라서 본 연구는 대구지역 주민을 대상으로 드론산업 활성화를 위하여 강화시켜야 할 드론의 역량이 무엇인지 도출하기 위하여 통계분석을 실시하였다. 그 결과 드론의 수요만족도(가격, 품질, 서비스)는 드론의 역량강화 5개요인 중 물적, 사회적, 정책적 요인이 강화될 때 드론산업 활성화로 이어지는 것으로 나타났다. 결론적으로 우리나라 드론산업 활성화를 위해 강화시켜야 할 드론역량은 물적 요인(드론수요, 개발, 등록대수, 사업체 및 종사자 증가), 사회적 요인(국가차원의 홍보, 공교육기관 신설, 드론직업에 대한 올바른 이해와 인식), 및 정책적 요인(사생활 방지대책, 정부 재정지원, 법규와 제도 완화)이다. 이상의 3개 요인에 대하여 정부, 업계, 드론운용자가 삼위일체가 되어 개선 보완해 나아갈 때 우리나라 드론산업의 전망은 밝을 것으로 기대한다.