• Title/Summary/Keyword: Financial Self-efficacy

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The Effects of Preparation for Old Age of the past on Activity of the elderly: The mediating effect of Psycho-Social resources (과거 노후준비가 노년기의 활동성에 미치는 영향 : 심리사회적 자원의 매개효과)

  • Shin, Soo-Min;Kim, Dongbae
    • Korean Journal of Social Welfare Studies
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    • v.44 no.3
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    • pp.57-83
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    • 2013
  • There has neither been enough research on how to approach the concept of active aging through an integrated view nor an examination to verify the relationship between preparation for old age and active aging in later life. Therefore, this research aims to verify that the elderly, who have prepared for their later life, affected their active aged life. In addition, by setting up self-efficacy and social support as mediator in the research model, this paper looks into the psycho-social resource mechanism of the relationship in depth. In order to verify the correlation of two variables, the Seoul welfare panel data, a mediating model structured by psycho-social resources created by Seoul welfare foundation in 2010, was used. The total sample size was a group of 1,492 elders aged over 65. When it came to our research methods, structured equation analysis was applied to verify the mediating effect and theoretical background. The results revealed that physical preparation, financial preparation, social preparation and leisure preparation directly affected their active aging level positively, thus, psycho-social resources showed a partial mediating effect between preparation for old age of the past and active aging level. The research implications are as follows. First, this research makes an effort to approach the concept of preparation for old age with an integrated perspective through making a construct by entire preparation types. Second, it will attempt to verify the relationship between preparation for old age in the past and active aging in terms of multi-dimension is meaningful. Third, this research reveals the function of psycho-social resource, self-efficacy and social support within the relationship. As far as the partial mediating effect is concerned, preparation for old age education for the middle-aged class should be modified as a decent field to enhance of the elderly.

Factors influencing happiness among Korean adolescents: With specific focus on the influence of psychological, relational and financial resources and academic achievement (한국 청소년의 행복: 심리적, 관계적, 경제적 자원과 학업성취의 영향)

  • Youngshin Park;Uichol Kim
    • Korean Journal of Culture and Social Issue
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    • v.15 no.3
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    • pp.399-429
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    • 2009
  • The purpose of this research examines the factors that influence happiness among Korean adolescents by focusing on psychological resource (as measured by self-efficacy), relational resource (as measured by social support) and financial resource (as measured by family's monthly income). In addition, the influence of academic achievement on happiness is examined. To examine the influence of socio-economic status and family's monthly income, adolescents living in three different districts in Seoul (from working to middle to upper class districts) were randomly selected and interviewed in their home. A total of 190 elementary school, middle school, high school and university students (male=83, female=107) completed the resiliency of efficacy scale developed by Bandura (1995) and emotional support and happiness scale developed by the present researchers, in addition to background information. The results of the path analysis are as follows. First, the most important predictor of happiness among Korean adolescents is relational resources. In other words, emotional support received from significant others was most predictive of happiness; more than 60 times the effect of family's monthly income, three times the effect of academic achievement, and two times the effect of resiliency of efficacy. The second most important factor that predicted the happiness of Korean adolescents was psychological resource (i.e., resiliency of efficacy), which had 30 times the effect of family's monthly income. In addition resiliency of efficacy played a mediating role between emotional support on one hand and happiness on the other. Third, those respondents who had higher academic achievement reported higher levels of happiness, which had 20 times the effect of family's monthly income. Fourth, family monthly income did not predict happiness among Korean adolescents. Fifth, socio-economic status and school level did not have direct influence on happiness but had mediating influence through their influence on emotional support. In other words, those respondents with higher socio-economic status and elementary school students were more likely to receive social support from significant others, which in turn increased their happiness. These results indicate that the most important predictor of happiness among Korean adolescents is emotional support, followed by resiliency of effic acy and academic achievement, indicating that those adolescents from wealthy families are not necessarily happier.

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Middle-aged Women's Health Behavior and Its related Factors in Rural Area (농촌 중년여성의 건강행위와 관련요인)

  • Kim, Kwi-Jin;Park, Jae-Yong;Han, Chang-Hyun
    • Journal of agricultural medicine and community health
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    • v.26 no.1
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    • pp.81-103
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    • 2001
  • This study was conducted to identify the health behavior of middle-aged rural women and the factors that have an effect on them. For the purpose of the study, examinations were made from March 01, 2000 to March 31, 2000 with 468 women aged 40 to 64 out of 2,263 people whom four Primary Health Posts located in Yechon County, Kyongsangbuk-do Province, are in charge of. The results are summarized as follows. 17.5% of the subjects responded that the extent of their own interest in health were high. For the subjects having a chronic disease, a nuclear family, or an open family atmosphere, the extent appeared to be relatively higher, 15.4% responded that the extent of family's interest in their health was high. It was significantly high if the extent of education was high or if the family atmosphere was open. The subjects' average score of self-efficacy was 49.9 out of 68. The score significantly varied depending on religion, education, living together with a spouse or not, and the extent of the subjects' interest in health. The family pattern, family atmosphere, family's interest in the subjects' health were the variables that significantly influenced the self-efficacy. The average score of family function was 5.51 out of 10. The score significantly varies depending on age, education, occupation, financial status, the extent of the subjects' own interest in health, family atmosphere and family's interest in the subjects' health. In the practice of health behavior, the nonsmoking rate was 89.5%, the nondrinking rate 63.0%, the rate of exercising practice 6.6%, the rate of normal sleeping 75.6%, the rate of eating breakfast 91.7%, the rate of not eating between meals 18.2%, and the standard BMI 69.2%. In the frequency of health behavior, the subjects with the Breslow Index of 0-3, 4-5 and 6-7 accounted for 4.5%, 53.2%, and 42.3%, respectively. The average score of health behavior was 5.20 out of 7, in which significant variables were living together with a spouse or not, financial status, absence or presence of a chronic disease, and family atmosphere. In the multiple regression analysis with health behavior as a dependent variable, it was shown that living together with a spouse or not, financial status, and family atmosphere were the significantly substantial variables. The subjects were found to do health behavior well if they had not a spouse, a good financial status, or an open family atmosphere. They were also found to do health behavior well if the extent of self-efficacy was high or if the extent of family function was low, but these were not the significant variables. It is needed to develop a standard measuring tool fit for our environment and perform more studies in the future because the measuring tool used in this study was a tool developed in a foreign county. In promoting community health projects, it is required not to provide all community people with a uniform health program but to identify the health behavior of individuals and other variables such as living together with a spouse or not, financial status and family atmosphere before arranging for a proper health program.

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The Effects of Characteristics of User and System on the Perceived Cognition and the Continuous Use Intention of Fintech (핀테크(fintech) 사용자와 시스템 특성이 지각된 인식과 지속사용의도에 미치는 영향)

  • Lee, Jun-Sang;Park, Jun-Hong
    • Journal of the Korea Convergence Society
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    • v.9 no.1
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    • pp.291-301
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    • 2018
  • The purpose of this study is to investigate the factors that affect the perceived awareness and the intention of continuous use by FinTech users and system characteristics. Data collection was carried out by targeting and surveying 600 people living in Gwangju, and office workers using smartphones. As a result, first, self-efficacy, innovation, and fitness for Fin-Tech services were found to influence the degree of perceptual awareness and intent to use of Fin-tech service users. Second, the system characteristics have a positive effect on perceived awareness and intention of using FinTech service. Third, the hypothesis about the dangers in the user attributes and system properties were dismissed. It seems that the priority concern was regarding the leakage of personal information and security as privacy and the increasing damage cases of financial fraud by electronic financial transactions spill. Therefore, in order to spread FinTech services, it would be effective if a Fin-Tech service strategy could eliminate inconveniences such as the risk of hindering convenience and intention to use by the marketing strategy established by the company.

The Study on the College Students' Career Reasons Affecting on Self-efficacy and Entrepreneurial Intention (대학생의 직업선택 동기가 창업에 대한 자아효능감과 창업의지에 미치는 영향에 대한 연구)

  • Lee, Woo Jin
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.8 no.3
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    • pp.113-124
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    • 2013
  • The government strives to create venture ecosystem for realizing creative economy, at the same time, the Mistry of Education is spending huge resources and efforts to spread entrepreneurship education to universities in Korea. Since entrepreneurship education gives motivation to individuals and creates market innovation and these connect to the growth of national economy through increased efficiency, entrepreneurship education is becoming increasingly more important for realizing creative economy. Based on the importance, entrepreneurship education in the universities is now spreading rapidly. However, college students' entrepreneurial intention has still not been improved comparing to spreading entrepreneurship education. To overcome the poor improvement, entrepreneurship education needs to be driven more systematic direction through the study on the effect of students' motivation and environment. In this study, entrepreneurship as a part of careers perspectives, is analyzed on students' career reasons with entrepreneurial intention. For this study, 918 surveys was collected from 7 universities having entrepreneurship courses in Seoul and Gyeonggi regions in 2012 and analyzed 858 surveys in order to prove the hypothesis. The results disclosed the relationship between students' career reasons and entrepreneurial self-efficacy and intention. Motivation factors of self-realization, innovation and role model have positive effect on entrepreneurial self-efficacy following by increased entrepreneurial intention, unlike the common notion financial success and independence factors are not significant with entrepreneurial intention of students. Based on these results having meaningful implication to Korea entrepreneurship education, this study is expected to have contribution to the successful promoting the creative economy realization of our government.

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An Empirical Study on the Factors Influencing Perceived Risks and Intention to Use Online Bookstores (인터넷 서점에서 소비자의 지각된 위험 및 이용의도에 영향을 미치는 요인에 관한 실증 연구)

  • Yang, Sung-Byung
    • Journal of Information Technology Services
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    • v.12 no.4
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    • pp.267-287
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    • 2013
  • As the online bookstore market has been saturated and the level of competition has become more intense, maintaining competitive advantage by mitigating consumers' perceived risks can be considered as one of good alternative strategies a company should use. Although studies that identify the types of consumers' perceived risks in the context of online bookstores as well as validate the relationships between perceived risk and its antecedent/consequent factors in an integrated manner are strongly required, there has been less attention paid to these matters. Therefore, based on previous literature, we identify five types of perceived risks (financial, performance, online payment, delivery, and seller's response risk) and validate the impacts of online bookstore specific characteristics and user specific characteristics on perceived risk. In addition, we also verify causal relationship between perceived risk and intention to use online bookstores. The results of PLS test using 108 samples collected from undergraduate and graduate students confirm that perceived risk has a negative impact on intention to use and four antecedents (reputation, service quality, self-efficacy, and user experience) are significantly related to perceived risk.

Factors that Influence User Intention of IPTV Banking Service (IPTV 뱅킹 서비스 이용 의도에 영향을 미치는 요인)

  • Kim, Moon-Sun;Kim, Moon-Oh;Kim, Hyo-Jin;Ryoo, Sung-Yul
    • Journal of Information Technology Applications and Management
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    • v.16 no.2
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    • pp.79-98
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    • 2009
  • IPTV has risen as a new driving force amid concerns against the saturated internet market and gained enormous attention of both the government and industry as niche market. Especially, IPTV banking which is one of the major services, IPTV has risen up recently as another financial service channel. Prior to the expansion of the new technology, this study attempts to predict its success possibility. In order to grasp variables that would effect formation of user intention of potential adopters, and external variables that influence user intention of IPTV banking have been confirmed and studied empirically based on Technology Acceptance Model(TAM). As a result, it was validated that self?efficacy, facilitating condition, social influence, and perceived importance to TV banking needs are the influential variables. Therefore, one may able to find appropriate direction of marketing activities for effective expansion of IPTV banking service through this study. Also, considering the fact that the number of service users has absolute influence over profit determination in the IPTV banking service industry, the study about characteristics and intention of such potential adopters could certainly be significant.

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The Effects of Contextual Variables and Parental Cognition on Maternal Involvement in Korean Children's Early Education

  • Kim, Jung-Won;Jung, Adrian W.;Kim, You-Jung
    • International Journal of Human Ecology
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    • v.12 no.1
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    • pp.1-14
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    • 2011
  • This study examined the features of maternal involvement in Korean children's early education and their relation to contextual variables and three forms of parental cognition. For this study 333 Korean mothers with 5 to 7 year-old children completed questionnaires that covered aspects such as demographical characteristics, three forms of involvement in their children's education, and three forms of parental cognition. Descriptive analysis indicated that mothers who were more involved in monitoring homework paid more monthly activity fees for supplementary classes and engaged more in cognitively stimulating activities at home. Financial investment in supplementary classes for children was not associated with engagement in cognitively stimulating activities at home. Stepwise regression analysis found that mothers who were more involved in monitoring their young childrens homework expressed higher aspirations for their childrens future occupation. Korean mothers who paid more for their child's supplementary classes had higher family incomes. Korean mothers who engaged more often in cognitively stimulating activities at home expressed higher parental self-efficacy, had a higher educational level, had a younger child, and had an earlier birth order or only child.

A Study on the Influence of Positive Psychological Capital on the Organizational Identification and the Loafing Behaviors with Job Satisfaction as a Mediator (긍정심리자본이 직무만족을 매개로 조직동일시와 태만행동에 미치는 영향에 관한 연구)

  • Han, Na-Young
    • Journal of Korea Society of Industrial Information Systems
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    • v.22 no.2
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    • pp.107-122
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    • 2017
  • This Study is to Analyze the Positive Psychological Capital(self-efficacy, optimism, hope, resilience) on the Organizational Identification and the Loafing Behaviors with Job Satisfaction as a Mediator. By doing this, it is also to Comprehensively Understand how Positive Psychological Capital Affects the Organizational Identification and the Loafing Behaviors. An Empirical Analysis has been Conducted through the Covariance Structural Equation Model Targeting the Financial Industry in Busan. The Results of this Empirical Analysis are as Follows. Firstly, Self-Efficacy, Optimism, hope, and Resilience Among the Positive Psychological Capitals are Found to have a Positive(+) Significant Effect on Job Satisfaction, of Which hope is Found to have the Greatest Effect on it. On the other Hand, Optimism is Found not to have a Significant Effect on Job Satisfaction. Secondly, job Satisfaction is Found to have a Positive(+) Significant on the Organizational Identification. Thirdly, job Satisfaction is found to have a negative(-) significant on the loafing behaviors. Fourthly, the results of investigating the mediating effect of job satisfaction in the relation of positive psychological capital, organizational identification, and loafing behaviors show that all have a mediating effect except for the mediating effect of job satisfaction in the relation of hope and loafing behaviors. Finally, the summary, suggestions, limit, and the direction for future researches are presented.

The Effect of the Improvement of the Sales Regulation of General Medicine and Political Proposals (일반의약품 판매규제 완화효과와 정책제언)

  • Yeom, Min-Sun
    • Journal of Distribution Research
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    • v.15 no.5
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    • pp.237-255
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    • 2010
  • The Korean Pharmacist Law has limited the sales of medicine to pharmacies. This has caused difficulty in purchasing medicine late at night or on holidays, which has limited the range of customers' selections and accelerated customers' discomfort, accordingly. Also, the rapid progress of aging has quickly boosted medical expenses for seniors, and has served as a factor that aggravates the budget of national medical insurance. Meanwhile, advanced countries, including the USA and Japan, have allowed the sales of general medicine, of which the safety and efficacy have been tested, in general retail stores such as convenience stores or super markets from the perspective of supporting self-medication. In particular, Japan, which has a strong tendency of pursuing safety in the world, diversified sales channels for general medicine in order to control quickly rising medical expenses. As a result, Japan has achieved the effect of easing various regulations as follows in the economic and social fields. First, the increasing distribution channels of general medicine from pharmacies to general retail stores provoked a potential demand, which also expanded related markets. Second, the competition between sales channels resulted in the reduction of the price of medicine. Third, the growing sales channels of medicine have extended the options of consumers and, subsequently, the convenience in the use of consumers has increased. Fourth, the creation of a competitive environment owing to the diversification of sales channels has accelerated an effort to enhance corporate competitiveness. Fifth, the foundation of enhancing the financial soundness of medical expenses has been prepared through the formation of a self-medication environment. In 2000, the Korean population aged 65 or over exceeded 7%, and it is anticipated to be over 14% by 2018; thus, the increase of national medical expenses will be sped up. As a way of being prepared for the era of aging, we, just as other advanced countries, need to create a self-treatment environment by diversifying the sellers of general medicine, and, thus, reduce spending on personal medical expenses, enhance the financial soundness of national medical insurance, and, further, promote the welfare of consumers.

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