• 제목/요약/키워드: Financial stress

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남녀청소년의 다양한 스트레스(부모, 학업, 친구, 외모, 경제), 학교생활적응과 행복감의 관계성 연구: 매개관계를 중심으로 (A Relationship Study of Adolescents' Various Stress, School-life Adjustment, and Happiness: mediating effects)

  • 김선아
    • 한국산학기술학회논문지
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    • 제21권9호
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    • pp.161-169
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    • 2020
  • 본 연구는 남녀 청소년의 다양한 스트레스와 학교생활적응이 행복감에 미치는 영향과 관계성에 대해서 살펴보고 청소년들의 행복감을 향상시키는 방안의 기초자료로 활용하고자 한다. 연구대상은 '한국 어린이·청소년 행복지수 2018년도 조사' 중고등학교 자료 5,144명을 활용했고, 2017년 교육기본통계자료를 기반으로 학급을 표집단위로 크기비례확률 추출법을 활용하여 표집했다. 구조방정식과 다중집단분석을 통한 연구결과로, 첫째, 청소년들의 행복감에는 학업스트레스, 친구스트레스, 외모스트레스가 부적으로 유의미한 영향을 주는 것으로 나타났다. 학교생활적응도 행복감과 정적으로 유의미한 관계였고 각 스트레스와 학교생활적응의 관계에서는 부모스트레스, 경제스트레스와 학업스트레스가 유의미하게 나타났다. 둘째, 각 스트레스와 행복감에서 학교생활적응의 매개효과는 부모스트레스, 학업스트레스와 경제적 스트레스만 학교생활적응을 통해 유의미한 간접효과가 있는 것으로 나타났다. 셋째, 각 스트레스와 행복감의 관계에서 남녀차이에 대한 다중집단 구조분석 결과, 두 집단구조가 비슷한 것으로 나타났다. 남녀집단의 매개효과 결과에서는 차이가 있었는데, 남학생은 학업스트레스와 경제스트레스만 유의미한 매개효과가 나타났고, 여학생은 학업, 경제와 부모스트레스가 학교생활적응을 통한 유의미한 매개효과가 있었다. 연구결과에 따른 청소년들의 행복감에 대한 개입과 실천적 함의에 대한 제안과 과제가 제시되었다.

뇌졸중 환자의 재활동기 관련 요인 연구 (Related Factors of the Motivation for Rehabilitation in Stroke Patients)

  • 이동엽;이무식;나백주;김건엽;이동진;김대경
    • 한국전문물리치료학회지
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    • 제13권1호
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    • pp.16-23
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    • 2006
  • The purpose of this study was to investigate the relations between financial stress, depression, and conjugal affection and the motivation for rehabilitation. One hundred eighty-six stroke patients were included in the study and a survey with 65 questions was used. The survey includes questions to evaluate personal factors, characteristics related with physical therapy, characteristics related with disease, depression, conjugal affection, and motivation for rehabilitation. Education, employment, left hemiplegia and right hemiplegia, depression, financial stress, conjugal affection were statistically significant factors (p<.05). These variables have significant effects on motivation for rehabilitation. This study indicates that financial stress and depression need to be decreased to improve motivation for rehabilitation of stroke patients. It also indicates that the factors facilitating conjugal affection, education, and occupation need to be considered for rehabilitation programs.

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스트레스 테스트를 활용한 해운기업 안정성 연구 (Stress Test on a Shipping Company's Financial Stability)

  • 박성화;권장한
    • 한국항만경제학회지
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    • 제39권2호
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    • pp.97-110
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    • 2023
  • 본 연구는 거시경제 충격이 우리나라 해운기업 안정성에 미치는 영향을 분석하였다. 우리나라 해운기업의 부실 발생 빈도가 상대적으로 적다는 점을 고려하여 퍼스로짓모형을 통해 해운기업의 부실 확률을 추정하였다. 부실 예측모형 추정 결과, 총자산은 부실 확률과 음의 상관관계를 지닌 것으로 나타난 한편, 총부채는 부실 확률과 유의한 양의 상관관계가 있는 것을 확인할 수 있었다. 부실 예측모형 추정결과를 바탕으로 총매출, 총자산 및 총부채 충격이 해운기업 부실 확률에 미치는 영향을 스트레스 테스트하였다. 스트레스 테스트 결과, 매출 및 총자산 감소는 해운기업의 재무 안정성을 크게 악화시키는 것을 확인할 수 있었다.

암환자를 돌보는 가족원의 스트레스, 대처방식과 소진의 관계 (Relationships between Stress, Ways of Coping and Burnout of Family Caregivers of Cancer Patients)

  • 홍민주;태영숙;노미영
    • 종양간호연구
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    • 제12권1호
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    • pp.92-99
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    • 2012
  • Purpose: The study was to examine the relationships between stress, ways of coping and burnout among family caregivers of cancer patients. Methods: Data were collected by self-reported questionnaires from 207 family caregivers of cancer patients at one university hospital and one general hospital in Busan, Korea. The instruments included a Stress Scale, a Ways of Coping Scale and a Burnout Scale. The collected data were analyzed using frequency, percentage, t-test, ANOVA, Scheffe's test, and Pearson's correlation coefficients with the SPSS WIN 19.0 program. Results: Stress was found to have significant relationships with age, relation to the patient, education, monthly income, degree of care-giving, financial burden and activities of daily living of patient. In active coping, there were significant differences according to education and religion. Passive coping was significantly related to gender. In burnout, there were significant differences according to age, relation to the patient, education, occupational status, monthly income, degree of care-giving, financial burden and activities of daily living of patient. Stress and burnout showed a positive correlation, while there was a negative correlation between burnout and active coping. Conclusion: These results suggest that promoting active coping would better support family caregivers of cancer patients in managing burnout effectively.

금융직 여성 근로자의 직무스트레스 실태와 근골격계질환 자작증상과의 관련성 연구 (A study on the relationship between job stress and subjective symptoms associated with musculoskeletal disorders of the financial working woman's)

  • 조기홍;최순영;박동현
    • 대한안전경영과학회지
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    • 제9권4호
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    • pp.17-28
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    • 2007
  • This study tried to identify the job stress characteristics of female bank workers and the relationship between their stress and symptoms associated with musculoskeletal disorders(MSDs). The total number of 587 female bank tellers have been participated in this study. Specifically, questionnaire surveys regarding job stress and MSDs symptoms were conducted. On the basis of the results from the survey using Korean version of job stress questionnaire with 24 questions, stress scores associated with job requirement and job flexibility were relatively high. The job stress levels regarding job demand, organizational system, occupational climate at the work place were relatively high for the full time workers while the job stress levels regarding insufficient job control, job stability, interpersonal conflict, lack of reward were relatively high for the part time worker. The workers with longer total work years had relatively high job stress associated with interpersonal conflict, and organizational system while the workers with longer work years at the current job had relatively high job stress associated with occupational climate. Also, the workers with longer working hours a day had relatively high job stress associated with job demand, interpersonal conflict, organizational system, and occupational climate. According to the relationship identified in this study, symptoms at the neck, shoulder, hand, low back. leg were associated with the stress levels in terms of job flexibility, interpersonal conflict, job requirement, job stability. In conclusion, female bank workers are exposed to job stress due to their specific job characteristics and there has been certain relationships between their job stress and MSDs symptoms.

노인의 자살사고에 대한 스트레스의 영향정도 (The Influences of Perceived Stresses on Suicidal Ideation in Older Adults)

  • 김수현;최연희
    • 성인간호학회지
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    • 제20권2호
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    • pp.200-208
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    • 2008
  • Purpose: The purposes of the study were to understand the levels of older adults' perceived stresses in terms of family relationship, physical health, financial difficulty, death of family members, and household environment, and to identify the influences of the stresses on their suicidal ideation. Methods: The subjects were 302 older adults residing in Daegu, Korea. The data were collected by questionnaires between March and April 2007. Results: Older adults perceived the highest level of stress from the death of family members and had high levels of stresses from physical health, family relationships, financial difficulty, and household environment in order. The variables influencing suicidal ideation were stresses from family relationships, physical health, and financial difficulty. Conclusion: Based on the findings, it is recommended that nurses provide in-depth screening of suicide risk for older adults who visit general health care settings through the identification of the levels of stresses in terms of family relationships, physical health, and financial difficulty. It is further suggested to provide collaborative interventions between primary health care providers and psychiatric professionals for suicide prevention and treatment in older adults.

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금융업 종사자의 자아분화 수준이 고객지향성에 미치는 영향: 직무스트레스의 매개효과를 중심으로 (A Study on The Effect of Self-Differentiation Level on Customer-Orientation of Employees in The Financial Companies: Focusing on The Mediating Effect of Job-Stress)

  • 김성모
    • 산업융합연구
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    • 제21권5호
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    • pp.15-29
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    • 2023
  • 본 연구는 금융업 종사자의 자아분화 수준이 고객지향성에 미치는 영향을 분석하고, 자아분화와 고객지향성의 사이에서 직무스트레스가 매개하는 효과를 알아보고자 하였다. 이를 통해서 금융회사의 고객관리 및 마케팅 활동에 활용할 수 있는 시사점을 제시하는 데 연구의 목적이 있다. 본 연구는 전국의 금융업 종사자를 대상으로 2022년 6월 1일부터 3개월 동안 346명의 표본을 추출하였고 그중에 직무스트레스에서 이상치를 보이는 16명의 표본을 제거하고 330명의 표본을 선정하였다. 본 연구의 결과는 첫째, 낮은 타인과융합 수준은 고객지향성에 부(-)의 영향을 미치는 것으로 나타났고, 둘째, 정서단절 수준은 고객지향성에 유의미한 영향을 미치지 않았으며, 셋째, 낮은 정서반응 수준은 고객지향성에 유의미한 정(+)의 영향을 미치는 것으로 나타났으며, 넷째, 높은 자기입장 수준은 고객지향성에 유의미한 정(+)의 영향을 미치는 것으로 나타났으며, 다섯째, 타인과융합, 정서반응 및 자기입장 수준과 고객지향성의 사이에서 직무스트레스는 부분 매개하는 것으로 나타났다. 본 연구는 금융업 종사자의 자아분화 수준에 따른 고객지향성의 패턴을 파악하였다는 점에서 학문적 의의가 있으며, 실무적 시사점으로는 금융업 종사자의 고객지향성을 향상하기 위해서 첫째, 조직 구성원의 직무스트레스를 줄여야 하며 둘째, 정서반응 수준이 낮고 자기입장 수준이 높은 구성원을 영업직에 배치해야 하며 셋째, 중하위직 직원들에게 많은 권한과 책임을 부여할 필요성이 있다.

Chronic Health Conditions, Depression, and the Role of Financial Wellbeing: How Middle Age Group (45-64) and Older Adults (65-79) Differ?

  • Cha, Seung-Eun;Kim, Jin-Hee;Anderson, Elaine
    • International Journal of Human Ecology
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    • 제12권2호
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    • pp.77-93
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    • 2011
  • This study investigates the association between chronic health conditions (CHD) and depression with a focus on the mediating effect of financial strain. We tested if age makes any difference in the effect of CHD and financial strain on depression. The data comes from the 2006 Korea Longitudinal Study of Aging (KLoSA) collected by the Institute of Korean Labor Research. The sample consisted of information from 8,961 individuals ages 45-79. Separate analyses were done for middle-age (45-64) and older-adult groups (65-79). There were significant financial portfolio differences among CHD patients and non-CHD, for both age groups, that may constitute the impact of a health event on financial wellbeing; in addition, the associations of CHD on depressive symptoms were different by age groups. The mediating effect of financial wellbeing on the association between CHD and depressive symptoms was verified; in addition, the role of financial wellbeing on the association was especially strong for the older-adult group. The effect of CHD on depression was contingent on the amount of net assets and annual personal income. Implications are discussed based on the findings.

Employment Instability and Security Funds in U.S. Households

  • Baek, Eun-Woung
    • International Journal of Human Ecology
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    • 제4권2호
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    • pp.55-75
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    • 2003
  • The purpose of this study was to investigate the effect of employment related factors on household savings for precautionary purposes when controlling for financial security and to compare the results between the two different economic periods. A conceptual framework was developed based on the precautionary saving theory, the family stress theory, and previous empirical studies. As a self-insurance, a measure of security funds were developed and used as the dependent variable. Using data on working households in the 1992 and the 1998 Survey of Consumer Finances (SCF), a MLE estimation was conducted on the pooled data. The 1992 and 1998 data were used to reflect periods of economic recession and expansion, respectively. The results suggested that factors representing resources played the most significant role in determining the amount of security funds. Some of the employment related factors, preferences, financial security, and race were also significantly affected the amount of security funds. The results suggested that stable employment conditions were important for households to accumulate security funds. Households with more human resources and financial resources had a larger amount of security funds than those that had less human and financial resources. From the findings, implications for research, policies, and financial educators had been suggested.

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
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    • 제26권5호
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    • pp.377-390
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    • 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.