• 노동경제논집
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• 제32권2호
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• pp.95-124
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• 2009

본 연구는 외환위기 이후 상장제조기업의 생산성 추이 및 교육훈련효과를 분석하였다. 분석 결과, 외환위기 이후 상장제조기업은 시간이 흐를수록 저 생산성 국면에 빠지게 되었으며, 그 과정에서 상장제조기업의 고용 없는 성장, 물적 투자 없는 성장, 인적자본투자 없는 성장 현상이 관찰되었다. 그리고 생산성이 높은 기업의 고용비중이 늘고, 낮은 기업의 고용비중이 주는 효율적인 노동시장이 거의 작동하지 않았다. 또한 교육훈련이 생산성에 미치는 영향을 분석해 보기 위해 동적 패널 분석을 실시할 경우 교육훈련의 과소투자가 발생하고 있음에도 불구하고 교육훈련의 생산성에 대한 지나치게 높은 긍정적 효과가 나타나는 모순적 현상이 상당 부분 해결되었다.

• 가족자원경영과 정책
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• 제11권1호
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• pp.1-20
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• 2007

This study identified financial management patterns of college students, and compared socioeconomic characteristics among different groups of financial management patterns. Also, the study examined the level of financial knowledge of college students, and compared it among the groups of financial management patterns. Data fur this study were from a questionnaire completed by 4-year college students (n=364), and were analyzed by factor analysis, cluster analysis, chi-square test, and ANOVA. The findings of this study were as follows: First, the financial management patterns were categorized by four groups: rational management group, future-oriented group, active management group, and present-oriented group. Secondly, younger students were more likely to be in the present-oriented group, while older students were likely to be in the future-oriented or active management group. Male students were likely to be the active managers, but female were likely to be the rational managers. Students' income was higher for future-oriented or active management groups, and their part-time jobs and their experiences of financial education were also significant variables. Thirdly, the average score of college students' financial knowledge was 49.9 on a 100 point basis. The part of financial assets and investment had only 47 points. The group of rational managers and active managers received higher points than the other groups.

• The Journal of Asian Finance, Economics and Business
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• 제8권2호
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• pp.563-570
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• 2021

The importance of cooperative financial management is expected to be able to encourage the needs of the community especially towards the supervision of cooperatives and human resources. The study was conducted aiming to determine the effect of human resources, financial attitudes, and coordination on cooperative financial management. Research with quantitative methods. The study was conducted with multiple regression methods, while the sampling technique was based on a random sample of samples with the data collection method using a survey method in the form of a questionnaire that was measured with a Likert scale. The method of determining the research sample is done by calculating the Slovin formula, determining the research sample of 166 cooperatives in Buleleng Regency, Bali Province. The results of the research prove that partial human resources have a significant positive effect on cooperative financial management, financial attitude variables have a significant positive effect on cooperative financial management and coordination variables have a significant positive effect on cooperative financial management. The results of this study can be stated that the better the financial management of cooperatives, better will be the impact on cooperative growth so that the need for more competent resources in cooperative management.

• Journal of Information Processing Systems
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• 제15권6호
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• pp.1306-1325
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• 2019

As the world is moving towards digitization, data is generated from various sources at a faster rate. It is getting humungous and is termed as big data. The financial sector is one domain which needs to leverage the big data being generated to identify financial risks, fraudulent activities, and so on. The design of predictive models for such financial big data is imperative for maintaining the health of the country's economics. Financial data has many features such as transaction history, repayment data, purchase data, investment data, and so on. The main problem in predictive algorithm is finding the right subset of representative features from which the predictive model can be constructed for a particular task. This paper proposes a correlation-based method using submodular optimization for selecting the optimum number of features and thereby, reducing the dimensions of the data for faster and better prediction. The important proposition is that the optimal feature subset should contain features having high correlation with the class label, but should not correlate with each other in the subset. Experiments are conducted to understand the effect of the various subsets on different classification algorithms for loan data. The IBM Bluemix BigData platform is used for experimentation along with the Spark notebook. The results indicate that the proposed approach achieves considerable accuracy with optimal subsets in significantly less execution time. The algorithm is also compared with the existing feature selection and extraction algorithms.

• 한국건설관리학회논문집
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• 제16권6호
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• pp.84-91
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• 2015

프로젝트 파이낸싱(Project Financing, 이하PF)은 자금조달을 위한 금융기법 중 하나로 사업주의 신용도나 다른 담보 대신 프로젝트의 수익성에 기초하여 투자자로부터 자금을 제공 받는다. 하지만 국내에서 이루어지는 PF의 경우, 자금 조달의 주체인 금융기관은 사업 타당성 검증체계가 부족하여 프로젝트의 사업성을 평가하기보다 건설사에게 신용보강을 요구하며, 이에 따라 사업주의 대출채권에 건설사가 연대보증 또는 채무인수약정을 하고 있는 실정이다. 이로 인해 건설사는 PF 우발채무라는 간접적인 채무가 발생하게 되고, 이는 재무제표에 포함되지 않으나 2009년 PF 우발채무 기재의 공시기준 제정됨에 따라 주요 관리 항목이라 할 수 있다. 본 연구는 PF 우발채무가 기업의 재무상태에 미치는 영향을 분석하기 위하여 신용등급 및 도급순위 별로 건설사를 분류하여 PF 우발채무가 기업의 주요 재무비율인 유동성, 안정성, 수익성에 미치는 영향을 분석하였다.

• 한국학교ㆍ지역보건교육학회지
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• 제6권
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• pp.75-87
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• 2005

The purpose of this study was to describe elementary school students' health communication needs based on school-based health fairs by students' demographic characteristics and school health education experiences. A self-administered survey was conducted to a total of 851 fifth-grade students in 8 elementary schools in Seoul. For survey participant sampling, Seoul area was divided into four districts: north, south, east, and west, and two elementary schools were selected from each district by the stratified convenient sampling process. Three class 5th-grade students in each selected school finished the survey. Questionnaires and survey instruction letters were delivered to vice-principals in the designated schools and the vice-principals managed the survey process. The survey Questionnaire included demographic characteristics (sex, parent's marital status, parents' educational status, famil financial status, the person whom was with after school, and daily computer hour), health education experiences (health education at school, and school health education satisfaction), and health communication types. The health communication types were reorganized into eight types based on comprehensive literature review on health fairs (or child and adolescence. The health communication types were 'health exam and advice fair,''health promotion advertising and campaign,' 'health-related exhibition and experience fair,' 'profession visit-in-school education,' 'health-related VCR or movie festival,' 'health-related institute visits,' 'internet health counseling,' and 'telephone health counseling.' Regarding demographic characteristics, sex, family financial status, and academic performance were significant factors related to health communication need scores (p <.05). Girl, high level of family financial status, and excellent academic performance score were related to high score of health communication need. In terms of school health education experience, taking regular class for health education and satisfaction with school health education were linked to higher health communication need scores. This result discusses that experience and satisfaction with school health education largely contribute to building participants' health communication concepts and needs.

• 실천공학교육논문지
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• 제14권2호
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• pp.393-404
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• 2022

한국직업능력연구원이 실시하고 있는 HCCP(Human Capital Corporate Panel) 자료는 HR연구에 실증적 연구결과를 제공해 주었고 이 데이터를 바탕으로 많은 연구들이 수행되었으나 교육훈련과 조직성과에 대해 전체적인 관점에서 수행된 연구는 부족하였다. 따라서 본 연구는 HCCP 연구에 기반하여 교육훈련이 조직성과에 미치는 영향을 선행연구의 분석을 통해 살펴보고자 하였다. 이를 위해 HCCP 자료를 활용해 교육훈련과 조직성과를 연구한 29편의 논문을 분석에 활용하였으며 연구결과는 다음과 같다. 첫째, 교육훈련은 조직몰입, 직무만족 등 비재무성과 및 매출액, 영업이익과 같은 재무성과에도 긍정적인 영향을 주고 있었다. 둘째, 교육훈련이 조직성과에 영향을 주기 위해서는 직무만족, 조직문화, 교육전이 등이 중요한 요소로 나타났다. 셋째, 효과적인 교육훈련 전이를 위해서는 교육훈련 후, 현업에 적용할 수 있는 시스템을 구축하는 것이 필요하며, 마지막으로 교육훈련이 재무성과에 기여한 정도를 보다 면밀히 측정하여 교육훈련의 실질적 효과성을 밝히는 연구가 수행될 필요성을 제언하였다.

• 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.

• 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.

• The Journal of Asian Finance, Economics and Business
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• 제8권11호
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• pp.97-106
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• 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.