• 제목/요약/키워드: Financial behaviors

검색결과 182건 처리시간 0.026초

고용.소득관련 변수와 경제적 불안에 따른 주부의 재무관리행동 (The Differences in Wives' Financial Management Behavior according to Variables Related Employment and Income, and Perceived Economic Instability)

  • 정서린;장윤옥
    • 대한가정학회지
    • /
    • 제45권10호
    • /
    • pp.59-71
    • /
    • 2007
  • The purpose of this study was to investigate differences in wives' financial management behavior according to variables related employment and income, and perceived economic instability of household. Financial management behaviors were constructed with 4 sub dimensions : investment, income expenditure, risk, and debt management behavior. The subjects of this study were 225 wives. Factor analysis and MANOVA were performed for data analysis. The results of this study were as follows : First, there were signigicant differences in financial management behavior according to variables related employment, i. e. employment state of wives and husbands. Second, there were signigicant differences in financial management behavior according to variables related income, i. e. monthly income, additional income, income stability. Third, there were signigicant differences in financial management behavior according to perceived economic instability of urban household.

Barriers to Access Formal Financial Services: An Empirical Study from Indonesia

  • JAYANTI, Ari Dwi;AGUSTI, Kemala Sari;SETIYAWATI, Yuli
    • The Journal of Asian Finance, Economics and Business
    • /
    • 제8권11호
    • /
    • pp.97-106
    • /
    • 2021
  • The condition of financial services in Indonesia is unique, based on various characteristics, behaviors, and preferences. Therefore, the study of finance and banking is interesting to study as a recommendation for government policies. This paper aims to analyze the barriers to accessing formal financial services in Indonesia and why informal financial services are preferred. This paper presents a case study of financial inclusion in selected provinces in Indonesia using the SOFIA dataset from the Ministry of National Development Planning. Overall, this data consists of 20,000 individuals from 4 provinces and 93 regions representing the population in eastern Indonesia. The analysis was carried out by processing individual-level cross-sectional data surveyed in 2017 using the probit binary logistic method. The results identify the individual barriers in accessing formal financial services, including account ownership, saving, and credit activities in the formal financial institutions, and amplify the image by analyzing what determinants affect people to choose informal institutions. We found that some individual characteristics such as age, gender, education, income, employment status, residence, and access to technology significantly affect the barrier to formal financial services in East Indonesia.

대학생의 재정에 대한 지식과 가치관에 관한 연구: 지식과 가치관에 따른 유형분류 및 재정적 특성분석 (A Study on Financial Knowledge and Values of College Students: Classification and Analysis according to the Knowledge and the Values)

  • 홍은실
    • 가정과삶의질연구
    • /
    • 제25권3호
    • /
    • pp.89-106
    • /
    • 2007
  • This paper diagnoses the financial knowledge of the college students and their values on financial situation. Another emphasis is given to the classification of surveyed college students based on their financial knowledge and values and the financial traits of each classified group is also analyzed. Statistical analysis was conducted using Cronbach's ${\partial}$, factor analysis, t-test, one-way ANOVA, and Duncan's multiple range test with total number of 733 questionnaires. Primary results of the research are as follows: First, overall score of financial knowledge was 62.65 points, showing the highest points in spending while lowest in savings and investment. Senior classes, students majoring in liberal arts, students with financial education and media experiences scored high points. Second, overall score of college students on financial values was 3.92, resulting in high points on credit and frugality but points on sharing with others were low. Thirdly, all surveyed students were classified into 4 types based on the mean scores on financial knowledges and values. Total 31.7% of students belonged to Type 1 where students scored high points on financial knowledge and values. Type 2 had about 22.4 % of students whose financial score was high but value score was low. Type 3 occupied 24.2% and this group scored low points on financial knowledge but high points on financial values. Type 4 occupied 21.8% and was a group of students whose scores for financial knowledge and values were low. Finally, Type 1 and 3 groups showed better desirable behaviors for financial management and expressed higher satisfaction status for finance than Type 2 and 4. Type 1 is a group of students whose subjective financial level was high. Monthly income was highest in Type 2 and financial stress was lowest in Type 1.

한국 금융회사 마케팅 현황에 대한 탐색 연구 (An Exploratory Study on Marketing of Financial Services Companies in Korea)

  • 천성용
    • Asia Marketing Journal
    • /
    • 제12권2호
    • /
    • pp.111-133
    • /
    • 2010
  • 투자상품의 확산, 고령화 등으로 인한 금융니즈 다양화와 자본시장법 시행으로 인한 금융회사간 치열한 경쟁으로 인해 금융산업 내에서 마케팅의 역할이 더욱 중요해지고 있다. 그러나, 지금까지 다른 산업에 비해 금융산업의 마케팅 연구는 상대적으로 부족하였다. 본 연구는 향후 구체적인 금융마케팅 연구들이 진행되기에 앞서 국내 금융마케팅 연구들을 정리하고, 국내 금융회사 마케팅 담당자를 In-depth 인터뷰하여 실제 국내 금융 마케팅 현황을 조사하였다. 이를 통해 향후 금융마케팅 연구에 필요한 시사점을 얻고자 하였다. 분석 결과, 다른 산업의 마케팅과 다른 금융 마케팅만의 고유 특징에 대한 이론적인 연구가 부족하였고, 금융산업 내에서 은행, 증권, 보험, 카드 산업 간의 마케팅 특징 차이에 대한 연구도 부족하였음을 알 수 있었다. 소비자행동 관점에서 금융고객의 의사결정 과정에 관한 연구도 부족하였다. 또한, 우리나라의 금융회사의 마케팅 현황은 외형적으로 어느 정도 성숙 단계에 접어들었다고 볼 수 있으나, 실제 업무는 여전히 과거의 영업지원, 혹은 프로모션 및 CRM 데이터 분석 등 단기적인 부분에 치중되어 있었다. 그리고, 은행, 증권, 보험, 카드 회사 등 각 세부 금융산업별 마케팅 담당자들이 중요하게 생각하는 금융마케팅의 키워드와 문제 인식 정도도 서로 다름을 알 수 있었다. 본 연구는 이러한 분석 결과를 바탕으로 향후 금융마케팅 연구를 위한 시사점과 함께 6가지의 연구명제를 제안하였다.

  • PDF

자영 소규모 가계의 사회경제적 변인에 따른 자산보유실태분석 (Analysis on Financial Status of Small Family Business according to Socio-Economic Variables)

  • 배미경
    • 한국생활과학회지
    • /
    • 제11권1호
    • /
    • pp.31-43
    • /
    • 2002
  • The purpose of this study was to examine the financial status of the small business households, and to analyze their investment behaviors according to socio-economic variables like age, income, education, job satisfaction, and region. The size of total sample was 2167 with basis of data analysis of Korean Household Panel Study from Daewoo Economic Research Center. Descriptive Statistics were used to analyze their financial status according to the socio-economic variables. The results showed that small business family's financial status was differentiated according to age, income, job satisfaction, and region. Households' investment on the primary financial institute such as bank was differentiated by income, level of education, and job satisfaction. The amount of investment on secondary financial institute such as mutual fund was differentiated by income, age, and region. The households' investment for insurance was affected by all socio-economic variables except region and not significantly different according to socio-economic variables for stock and bonds. The amount of net-asset for households was affected by the level of education, age, and income and the amount of debt most by age and income. The results of this study was useful to develop the estimation tool for the small business households credit and also provides the basic informations for the financial assistance of those households.

  • PDF

경제적 은퇴준비행동의 영향요인: 세대간 자산이전 요인을 중심으로 (Factors on Financial Preparation for Retirement: Focusing on Money Transfer between generations)

  • 정지영;양세정
    • 가족자원경영과 정책
    • /
    • 제17권1호
    • /
    • pp.199-219
    • /
    • 2013
  • The purpose of the study was to investigate the effects of money transfer between generations on preparation behaviors for retirement, separated into assets and saving for retirement. The survey was conducted by targeting 422 married people across the nation. The factor of money transfer between generations was defined as the inheritance and gift variable. The data were analyzed using SPSS 20. Correlation, analysis of variance (ANOVA), and multiple regressions were utilized. The results indicated that preparation behaviors for retirement are affected by the economic independence of parents, inheritance, expenses for children's education, and marriage. Retirement assets were significantly affected by inheritance, the economic independence of parents, educational expenses for children, financial assets, and amount of debt, while the significant factors related to retirement savings were interests on retirement, income, wedding expenses for children, economic independence of parents, and educational expenses for children. It was concluded that the financial preparation for retirement ought to be expanded from one household's finances to finances between generations.

  • PDF

지역 사회복지서비스 조직들의 재정자원 수급 행태에 관한 연구 (A Behavioral Study of Community Social Welfare Service Organizations on Acquiring Financial Resources)

  • 김영종
    • 한국사회복지학
    • /
    • 제44권
    • /
    • pp.64-90
    • /
    • 2001
  • There has been a demand of changing service delivery system for social welfare services, and therefore changing is resource acquisition environment for community social welfare service organizations (CSWSOs). These phenomena are, however, not properly actualized through the CSWSOs. The discrepancy between environmental demand and organizational adaptation seems to result from our lack of understanding those organizations. Based on this understanding, several research problems have been formulated on resource acquisition behaviors of CSWSOs. Empirical data were gathered, and the final sample included 82 social welfare agencies of Pusan province and 122 top/high level agency administrators. The result of data analysis and their implications are as follows: (1) Most of CSWSOs prefer government grants to other financial resources, because government resources can give them more stability than others including private donations and user fees. (2) In order to induce changes in CSWSOs, their stability needs should be properly counted. (3) There is no enough evidence to prove that CSWSOs leaders' personal characteristics have contributed to the behavioral differences on financial resource acquisition among CSWSOs. Rather, there has been enough evidence to prove for influences by institutional environment factors. So, it is recommended that, in order to change behaviors of CSWSOs, the focus should be given to the proper control of those institutional environment factors.

  • PDF

청소년이 지각한 부모의 물질주의 성향과 그에 따른 유형 분류 및 재정적 특성 분석 (Classification of Parents' Materialism Inclination Recognized by the Adolescents and Analysis of Their Financial Characteristics)

  • 홍은실
    • 가정과삶의질연구
    • /
    • 제26권5호
    • /
    • pp.377-390
    • /
    • 2008
  • This paper investigated materialism inclination of the parents recognized by the adolescents and analysed the relationships between 5 categorized types about parents' materialism inclination and financial characteristics of the adolescents. Statistical analysis was achieved by using Cronbach'$\alpha$, paired t-test, one-way ANOVA, two-way ANOVA, Duncan's multiple range test, chi-square analysis, and Ward' hierarchical cluster analysis with a total of 801 questionnaires. The results are summarized as follows: First, the adolescents felt that calculated points of father and mother's materialism inclination were lower than median points and mother's inclination for materialism was higher than that of father. Second, five categories were classified according to materialism inclination of parents. First classified category was the type which showed both parents had little interest in materials and the second category was the type which father had strong interest in materials. The third one was the type which mother had strong interest in materials. The last two categories were the ones which both parents had much interest in materials. Final result of this study revealed that attitudes of the adolescents for materialism and money were higher for those whose parents had strong interest in materialism than those whose parents had little materialism interest. They showed not only the behaviors of impulsive and overspending consumption but also low financial satisfaction and high financial stress.

A case study for intercontinental comparison of herd behavior in global stock markets

  • Lee, Woojoo;Choi, Yang Ho;Kim, Changki;Ahn, Jae Youn
    • Communications for Statistical Applications and Methods
    • /
    • 제25권2호
    • /
    • pp.185-197
    • /
    • 2018
  • Measuring market fear is an important way of understanding fundamental economic phenomena related to financial crises. There have been several approaches to measure market fear or panic level in a financial market. Recently, herd behavior has gained its popularity as important economic phenomena explaining the fear in the financial market. In this paper, we investigate herd behavior in global stock markets with a focus on intercontinental comparison. While various risk measures are available for the detection of herd behavior in the market, we use the standardized herd behavior index in Dhaene et al. (Insurance: Mathematics and Economics, 50, 357-370, 2012b) and Lee and Ahn (Dependence Modeling, 5, 316-329, 2017) for the comparison of herd behaviors in global stock markets. A global stock market data from Morgan Stanley Capital International is used to study herd behavior especially during periods of financial crises.

A Study on the Effects of Economic and Financial Stress on the Satisfaction of Living for the Elderly

  • KIM, Jong-Jin;UM, Kyung-Ho
    • 융합경영연구
    • /
    • 제8권1호
    • /
    • pp.29-35
    • /
    • 2020
  • Purpose - In this study, among the various stresses experienced by single-family senior citizens, we will focus on economic and financial stress and help to comprehend it generally, examine the differences in economic and financial stress and coping behaviors caused by the background variables in the aged group, and verify the variables that affect economic and financial stress, response behavior, and life satisfaction. Research design, data, and methodology - First of all, frequency analysis and technical statistics were conducted to identify the general characteristics of the elderly (characteristics of demographic sociology, social relationships) and the satisfaction level of life. Secondly, Hierarchical Multiple Regression Analysis was conducted to analyse influential factors on life satisfaction. Results - looking at the demographic characteristics of the elderly showed that in case the spouse exists, the level of satisfaction in life was shown to be higher. Next, looking at the characteristics of economic stress showed that the lower the economic stress was, the higher the satisfaction level of life was shown. Conclusions - Since stress has been identified as the most influential variable in life satisfaction through this study, we believe that economic and financial stress should be studied together as a parameter to find out which factors influence life satisfaction, or studies to reduce stresses for experts and senior party members altogether is also needed.