• 가정과삶의질연구
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• 제11권2호
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• pp.69-82
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• 1993

Financial stability of households is the basic and most important factor of the quality of life. It affects emotional psychological mental and social aspects of family personal develop-ment and family healths etc. This study investigated and analyzed the data on financial stability of households. The data collected through the self-administered questionnaire from 466 house-holds in Kwangju area were analyzed. As statistical methods Frequency Percentile. Anova Duncan-test and Regression analysis were used. The results obtained are as follow: Education job status housing tenure type numbers of income source assets income and income flexibility have positive effects on financial stability. Especially numbers of income sources has most important effect. Significant correlation coefficients between financial stability and economic pressures mental healths financial satisfaction life satisfaction and coping behaviors were revealed respectively To improve the quality of life financial stability of household is severely considered. To be financially stable providing various income sources is more desirable than having regular and fixed income.

• Asian Journal of Innovation and Policy
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• 제4권1호
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• pp.76-102
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• 2015

Drawing upon the resource-based-view of a firm, we investigate the moderating role of operations efficiency on the link between environmental and financial performance. Extant literature has highlighted that operations efficiency is closely associated with the environmental/financial performance of firms, but no empirical study has investigated how operations efficiency affects the link between environmental and financial performance. We argue that operations efficiency could act as a moderator of this relationship. To test the hypothesized relationships, we have used available secondary quantitative UK data, namely data on the environmental/financial performance of Britain's most admired companies. By employing moderated regression analysis, we have found strong evidence for the moderating impact of operations efficiency. Our results are useful to managers in that they show that improvements in operations efficiency in a company can also help improve environmental/financial performance and vice versa.

• 가정과삶의질연구
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• 제15권3호
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• pp.125-138
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• 1997

The major purpose of this research was to investigate the relationship of employed and unemployed wives' financial management behavior and financial well-being on the basis of the family resource management system theory. The data were obtained from 660 wives who lived in Seoul 1996. Major findings of this study were as follows: 1. Regardless of the wives' employment status marriage duration and level of wives' education negatively influenced objective financial well-being in the case of unemployed wives but one in the case of employed wives. 2. Both unemployed and employed wives locus of control over their financial situation positively influences subjective financial well-being 3. It was found that personal and managerial factors had effect on subjective financial well-being both for unemployed and employed wives. The path model designed in this research was found to be proven for unemployed but not for employed wives.

• International Journal of Human Ecology
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• 제5권1호
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• pp.35-43
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• 2004

The purposes of this study are to examine effects of household characteristics and risk tolerance attitude on risk tolerance behavior and to investigate the effect of risk tolerance attitude and behavior on financial satisfaction. For this study, data were collected during October of 2001 through a popular Web site for women in South Korea (www.azoomma.com). The participants in this study were 609 housewives, resulting in 607 with usable data. Multiple regression and path analysis were conducted using the SPSS for Windows. Findings suggest that the greater is risk tolerance attitude, the greater is risk tolerance behavior and those who exhibit more risk tolerance behavior tend to be more satisfied with their personal financial situation. It implies that risk tolerance behavior playa positive role in predicting financial satisfaction. The results have implication for family economists and educators in developing educational program and presenting strategic to increases financial well-being, and also for financial counselors and planners in suggesting portfolio advice to their client

• 가족자원경영과 정책
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• 제10권4호
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• pp.125-143
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• 2006

The purpose of this study is to develop and test the effectiveness of a financial education program that make the elderly recognize financial problems and find available strategy to improve their financial situation. Based on the literature review and economic structure of the elderly, a financial education program was developed with three parts: 'My elderly lift'; 'Doubling my income'; and 'Safe investment strategy.' 42 elderly people in Senior academy participate in three-session program and 39 people completed pre and post-test and satisfaction survey. In order to examine the effectiveness of the program paired t-test was used. According to evaluation results, the program was found to have a positive effect on enhancing knowledge in elderly lift and financial management, but not on changing attitude. Most of participants show high level of satisfaction with the program.

• 가정과삶의질연구
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• 제24권6호
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• pp.61-77
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• 2006

This study was to analyze the effect of private education expenditures on financial performance. The data from 1,669 households were taken from the Korean labor and Income Panel Study. The major findings were as follows: (1) The mean of monthly private education expenditure was 257,400 won for all households. Almost 66% of households encountered an economic burden in paying for private education. (2) The mean of financial performance in all households was 31,420,000 won and those with higher assets showed the greatest financial performance (112.8 million won net gain). (3) The variables that significantly influenced on private education expenditures and the financial performance were different in all households. (4) The relationship between financial performance and private education expenditures was verified partially. The association was proved in the middle assets group.

• 경영과정보연구
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• 제29권2호
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• pp.97-118
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• 2010

본 논문은 여러 가지 시계열 분석방법을 이용하여 한국, 중국, 미국의 주식시장 사이의 동조화 현상을 검증하였다. 검정결과는 다음의 세 가지로 요약할 수 있다. 첫째, 아시아 외환 위기나 글로벌 금융위기를 막론하고 세 국가 주식시장 주가지수 간에는 장기적으로 안정적인 관계는 존재하지 않는다. 둘째, 아시아 외환위기 시기에는 중국이 상대적으로 폐쇄적이어서 미국, 한국과 영향을 주고받지 않았으며 한국은 개방의 역사가 오래되어 미국과 영향을 주고받는다. 글로벌 금융위기 기간에는 미국과 중국이 상호영향을 주는 관계로 발전하였으며 미국과 한국은 상호영향을 주고받는 관계가 아시아 위기 때와 마찬가지로 지속된다. 셋째, 아시아 외환위기 기간 동안에 발생한 한국과 중국 사이, 그리고 미국과 중국 사이의 변동성의 역동조화 현상은 이들 시장 사이에 관계가 밀접하지 않은 증거이다. 글로벌 금융위기 기간 동안에도 한국과 미국은 변동성의 영향을 서로 주고받지만 중국과 미국은 서로 영향을 주고받지 않는다. 중국과 한국사이의 변동성의 역동조화현상은 아시아 위기에서와 마찬가지로 여전하다. 즉 글로벌금융 위기 시에는 미국과 중국의 수익률이 서로 영향을 주는 사이로 발전하나 한국과 미국은 아시아 외환위기 시기나 글로벌 금융위기 시기에 서로 수익률과 변동성에 영향을 주는 관계가 계속된다는 점, 그리고 외환 위기나 글로벌 위기에 관계없이 중국과 미국은 변동성이 서로 관계가 없거나 역동조화 현상이 관찰된다는 점에 비추어 볼 때 중국시장은 아시아 외환 위기나 글로벌위기를 통 털어서 아직은 국제금융시장에 편입되는 과정에 있다는 것을 확인 할 수 있다.

• 벤처창업연구
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• 제13권4호
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• pp.99-116
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• 2018

본 연구의 목적은 기업의 성장단계별로 창업가가 갖춰야 할 핵심 역량요인이 반영된 통합 창업가 역량 모델을 제시하여 기술창업기업의 성공률을 제고하는 것이다. 연구의 목적을 달성하기 위해 본 연구는 초기 및 후기 기술창업기업의 핵심 창업가 역량과 기업성과 간의 관계, 그 관계를 강화하는 학습 역량의 조절효과를 실증분석 하였다. 연구의 결과는 다음과 같다. 첫째, 초기 기술창업기업 창업팀의 기술 기능적 역량, 창업가의 자원 활용 역량, 그리고 사업계획 수립 역량은 기업의 비재무적 및 기술적 성과를 모두 향상시키는 것으로 나타났다. 또한 기회 인식 역량은 비재무적 성과를 높이는 것으로 분석되었다. 이때 높은 수준의 학습 역량을 가진 창업가는 기술 기능적 역량과 자원 활용 역량 수준이 높아질수록 비재무적 성과를 더욱 향상시키며, 사업계획 수립 역량 수준이 높아질수록 기술적 성과를 더욱 향상시키는 것으로 확인되었다. 둘째, 후기 기술창업기업 창업가의 리더십과 자원 확보 역량은 기업의 비재무적 및 기술적 성과를 모두 향상시키는 것으로 나타났다. 또한 창업가의 전략적 역량은 비재무적 성과를 향상시키는 것으로 나타났다. 여기에서 학습 역량 수준이 높은 창업가는 전략적 역량 수준이 높아질수록 기업의 비재무적 성과를 더욱 향상시키는 것으로 분석되었다. 마지막으로 초기 및 후기 기술창업기업의 비재무적 성과와 기술적 성과는 모두 재무적 성과를 유의하게 향상시키는 것으로 나타났다.

• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.525-535
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• 2020

The study aims to investigate the roles of financial education (FE) as a moderator to financial attitude (FA), parental financial socialisation (PFS), and financial literacy (FL) to ensure the success of prudent financial management practices (PFMP) among Malaysian youth. The study was designed quantitatively and employed self-administered questionnaires, which were adopted from previous studies and distributed to 480 youths in Malaysia. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test hypotheses of the study. The results showed FA, PFS and FL have significant and positive relationship with PFMP. However, as regards moderating interaction of FE, results showed that FE does not significantly moderate the relationship between FA, PFS and FL with PFMP. The results further highlighted serious concerns on the effectiveness of FE towards improving youth capability in managing their financial affairs prudently. This proved that mandated FE prior to graduation has less effect and does not lead to behavior changes among Malaysian youth. It shows the challenges faced by the country stakeholders to strengthen FE, enhance the effectiveness and encompass the right FE elements to ensure today's young Malaysians are able to apply what they learned in the classroom to their real life.

• The Journal of Asian Finance, Economics and Business
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• 제8권10호
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• pp.97-107
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• 2021

Nowadays, with the constant enhancement in the health of the economy, the average income and living standard have accordingly increased, making the need for financial independence a favorable choice. This research aims to identify the factors affecting the financial independence of young people. The authors implement quantitative analysis, with a set of primary data collected from a survey of 2664 Vietnamese people aged from 18 to 28. The research results demonstrate the considerable impact of monetary, psychological, group-related, and family-related factors on the financial independence of young people. The results of the sample analysis provide adequate evidence to reject the correlative relationship between family and group factors and the financial independence of young people. In addition, there are 3 factors, including demographic factors, monetary factors, and psychological factors, all have varying degrees and directions of influence on young people's financial independence. Most of the mentioned variables reflect a positive effect on financial independence. The only exception is the education variable, illustrated by its negative standardized beta value. A significant difference in financial independence between genders also is reported, suggesting that males seem to have a higher level of financial independence than females.