• Journal of Families and Better Life
• /
• v.20 no.2
• /
• pp.113-122
• /
• 2002

This study compared the financial status between the employed-elderly households and the unemployed-elderly households, focused on income adequacy, expenditure adequacy and net wealth adequacy. Using data from 1997 KHPS, the lower financial status of the unemployed elderly households were found. Nine measures of financial status were used : income, per capita income, income-to-needs ratio, expenditure, per capita expenditure, expenditure-to-needs ratio, net wealth, net wealth-to-income ratio and net wealth- to-expenditure ratio. The results of this study showed that unemployed elderly households had 68%~77% of income adequacy and 72%~83% of expenditure adequacy for employed elderly households. Holding for gender, age, education, earners in the household, living area and home ownership constant, although the gap was getting smaller, significant differences between the unemployed-elderly households and the employed-elderly households were persisted. The result of this study indicated that the unemployed-elderly households and the employed-elderly households can not be regarded ac homogeneous group when public policies are developed.

• Journal of Families and Better Life
• /
• v.26 no.6
• /
• pp.35-50
• /
• 2008

The purpose of this study was to analyze the characteristics and financial status of credit delinquents utilizing the debt management program of the Credit Counseling and Recovery Service between January-June in 2007. Total sample of 41,355 cases was analyzed using the statistical program SPSS(Version 12.0). For analysis, descriptive statistics, F-test, Scheffe test, t-test, logit analysis and regression analysis were employed. People in the age range of 30-40s, males, high-school graduates, married couples, part-time employees, costfree residents and residents in other regions were relatively high users of the debt management program. Reasons of credit delinquency were diverse and was combined to credit default. However, increases in expenses and income reductions were found to be the most frequent reasons. Financial conditions of delinquents were worse than those of average persons shown on the national statistics. It was also found that age, sex, educational level, occupation, region of residence, home-ownership, reason of delinquency, income and total outstandings of debt were significant determinants of short-term debt burden which was measured by the ratio of monthly payment to income and long-term debt burden which was measured by repayment period.

• Journal of the Korean Society of Clothing and Textiles
• /
• v.13 no.3 s.31
• /
• pp.252-258
• /
• 1989

The purpose of this study was to investigate the general Kasa. More specially, the objectives of the research was (a) to determine the reason why dyes the colour of kasa; (b) to examine the kinds of Kasa colour; (c) to provide the dyeing method of Kasa colour; (d) to clarify the prohibited colour and the permitted limit; and (e) to find which and why kasa colour in our country use. The reason why dyes the colour of Kasa are the following; (a) it differentiates between the white robe in the leading ascetic life of Buddhism at ones home and that of the entering the priesthood. (b) it protects the victim of robbery (c) it discards the attachment to the ownership (d) it lessens the burden of at alms. The kinds of Kasa's color consist of several one such as 증(cheung), 흑(heuk), 전(chun), 목란(mokran), and so on. The three colour among them use as the colour of kasa in the each vinaya pitaka. The dyeing method of kasa is composed of two ways; One is to dye the whole Kasa; the other is to dye the part of Kasa. Recently, in our country, the red which is the branch of kalasama is the leading colour of Kasa.

• Journal of the Korean Home Economics Association
• /
• v.23 no.1
• /
• pp.49-57
• /
• 1985

The central problem of purchasing houses is choice, which is accompanied by perception of risk. Perceived risk is defined as a risk perceived by a consumer subjectively in choice situations. The components of perceived risk are uncertainty and consequence. There are seven types of perceived risk in purchasing houses. Those are financial risk, functional risk, social risk, psychological risk, physical risk, time risk and future opportunity lost risk. The empirical survey about comsumer's purchasing Public Apartment suggests : 1) In general, rspondents perceive relatively high risk in purchasig Public Apartment. 2) Of seven risk types, financial, functionalm, future opportunity lost, time, and social risk correlate highest with overall perceived risk and explain the variance of it. 3) Physical and psychological risks don't correlate significantly with overall perceived risk. From the findings in empirical analysis, consumers are recommended to device riskreduction activities in purchasing Public Apartment. 1. Active information search is needed in purchasing Public Apartment in order to reduce overall perceived risk. 2. Housing concept should change from ownership to rental thinking. 3. Consumers should be accustomed to Housing Loans by bank. 4. Purchasing goals should be established clearly before purchasing houses. 5. Careful deliberation is required and informations from personal sources are useful.

• Architectural research
• /
• v.16 no.4
• /
• pp.149-156
• /
• 2014

This research is designed to identify factors that affect life satisfaction of the Korean elderly by studying residential environments and individual personalities as independent variables, and life satisfaction of the elderly as a dependent variable. It also includes emotional and instrumental support to describe relations between variables as mediating variables. It utilizes a questionnaire survey as its research method and studies those aged 65 and over living in urban, suburban and rural areas. In addition, regression and path analysis is used to identify casual links between different variables. The results are as follows: (1) Direct factors that impact emotional support are home ownership (direct effect= -.18) and transportation services (.15). That is, those who own their home and have easy access to public transpiration show increased levels of emotional support. (2) Direct factors that affect instrumental support are economic status (direct effect= .311) and living arrangement (.17). In other words, those who are financially stable and live with their children have more instrumental support. (3) Factors linked directly to life satisfaction of the elderly are their age (direct effect= -.10), health status (.19), economic status (.25), region of living (.22) and housing type (.19). (4) Among the mediating variables, emotional support has direct effect (.45) while instrumental support has indirect effect (.16).

• Journal of the Korean Home Economics Association
• /
• v.39 no.10
• /
• pp.39-53
• /
• 2001

Housing is the most important factor for the elderly and the disabled to live safely and independently. If they want to stay in their familiar community as long as possible, to support their stay in their house must be needed. The purpose of this study was to investigate the housing alterations for the elderly and the disabled. To accomplish the purpose of this study, three cases that had altered housing to fit their needs in three countries, were selected. In Korean case of alterations for the disabled, bathroom and kitchen were the altered spaces in the house. But active alterations were not done, because of the limited expense for the alterations and housing ownership, rented. In one case of housing construction for the elderly in Japan, there was no level difference in the interior. Two bedrooms were provided for the husband and the wife, because of the difference of time to bed. The sunroom for enjoying the outside of the nature was provided. In swedish case, due to the supports of the government and local authority, the house was altered at many spaces such as bathroom, kitchen, ramp at the entrance, elevator and so forth. In conclusion, sufficient supports of government and community services can increase the housing quality of people. The ultimate goal of housing alterations must be done not for the elderly and disabled but for all people.

• Journal of the Korean Home Economics Association
• /
• v.35 no.5
• /
• pp.1.1-15
• /
• 1997

The purposes of this study were to identify the household's financial status by life cycle stage and no analyze contributing factors to financial planning for retirement preparation among Korean marred couples. For these purpose, 2074 married couples those being under 55 and having either single earner or dual earners were selected, and total sample was divided into three stages; young-aged(＜35), middle-aged(35-44) & old-aged(45-54). Statistics were frequencies, means, percentile, and logistic analysis. The results were as follows. First, old-aged had higher level of total income, total expenditure and total assets than either young-aged or middle-aged. In addition, households those holding private pensions were likely to have higher total income, total expenditure and total assets than those owning no private pension. while middle-aged had a highest total debts. Second, gini coefficients of total income and total expenditure between three aged groups were similar, but old-aged had the highest gini coefficient of total assets and total debts. In particular, gini coefficients of total assets and total debts of households those having no private pension were greater than those holding private pensions. third, contributing factors to private pension ownership of young-aged were family & household-related factor and financial factor, middle-aged's factors were household head's characteristics and financial factor. Also, old-aged's factors were household head's characteristics, family & household-related factor and financial factor.

• Journal of Families and Better Life
• /
• v.22 no.6 s.72
• /
• pp.165-175
• /
• 2004

The purpose of this study was to classify the household financial strategies and investigate major determinants of the household financial strategies and financial performance. The data of 3,994 households is from the Korean Labor and Income Panel Stud?. The major findings were as follows. (1) The classified household financial strategies types were Residual ($44.6\%$), Informal Institutional ($13.3\%$), Financial Assets ($16.7\%$), Real Estate ($13.4\%$), and Diversified Portfolio ($12.0\%$). (2) The criteria of classification of the household financial strategies were relative, not absolute. (3) The household financial strategy types changed largely during a short period(1999-2000). (4) In all households, the variables that affected changes in household financial strategies were education, occupation, number of children, residential location and home ownership. (5) Households that employed a diversified portfolio strategy had the greatest financial performance (2,316,000 won net gain). (6) In all households, the variables that had the greatest influence on financial performance were the number of children, assets and debts. 1'he financial performance was significantly different according to changes in the household financial strategy.

• Journal of the Korean Home Economics Association
• /
• v.30 no.1
• /
• pp.219-235
• /
• 1992

This study attempted to examine a theoretical framework which synthesizes risk attitude, type of investment management and investment behavior and to provide the specific investment strategy by analysing several variables which have effect upon the investment behavior. The results of this research were as follow : 1. Risk attitude had significant differences by the variabels such as age, sex, education, income and debt/asset ratio. Also the type of investment management was influenced significantly by the variables such as age, education, occupation, income, total asset, debt/asset ratio, achievement motivation and risk attitude. The ratio of risky asset holdings was affected by the variabels such as age, education, occupation, housing ownership, income, total asset, debt/asset ratio, achievement motivation, risk attitude and type of investment management. 2. Among several variables affecting the ratio of risky asset holding risk attitude, education, type of investment management, debt/asset ratio and achievement motivation had direct effect on it. Besides age had indirect effect through risk attitude and age, achievement motivation and risk attitude had indirect effect through the type of investment management. 3. The results of this study showed that causal relation between input, throughput and output can be applied to household's investment behavior and the concept of risk or risk attitude can be applied to other fields except household's investment. Also it could be attributed to provide the investment strategy for improving level of household's financial well-being.

• Journal of the Korean housing association
• /
• v.9 no.2
• /
• pp.1-11
• /
• 1998

This study has been performed to analyze housing status in later life. In this study, 234 Koreans aged 60 or more were interviewed for their current housing status. The results are drawn as follows: 1. The household size does not highly fluctuate in later life; it ranges from three to five overall. But there is a trend difference over region; The household size continuously increases until 70's in urban area, but it shows increase & decrease changes over five-year intervals. 2. The number of bedrooms slightly ranges from 3- to 3.8 over urban and rural areas without noticeable trend for age intervals. 3. Use of indoor area has regional difference; It ranges from 28 to 40 pyoung in urban area, but it does more widely form 27.7 to 50 in rural area. 4. There is a most significant region effect on structure type for the elderly; For the urban elderly, proportion of those living in single detached dwelling consistently decreases as age increases. For the rural elderly on the other hand, the rate of those living in single detached dwelling sharply increases in their 70's and the rate reaches 85.7%. 5. For the ownership trend, more than 70% of the elderly are home owners at the age 60-64, but the rate continuously decreases in later life stage while the rate of those living in their children-owned home increases.