• 대한토목학회논문집
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• 제30권3D호
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• pp.313-321
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• 2010

본 연구는 부산시의 주택순환과정을 살펴보기 위해 가구의 생애주기에 따른 주거이동 특성을 분석하였는데, 설문조사는 부산시 거주 만 40세 이상의 성인들을 대상으로 결혼 이후 현재까지의 주거이동에 대한 주거경력을 조사하였다. 통계자료 분석의 결과와 설문조사 결과는 모든 항목에서 유사한 결과를 보였는데 이를 정리하면 다음과 같다. 설문대상자들이 현재 거주하고 있는 주택을 살펴보면, 주택유형은 아파트가 절대적으로 높은 비율을 차지하고 있으며, 주택의 점유형태는 자가소유이며, 주택규모는 30평형대, 거주기간은 6년 이상 10년 미만이다. 주택자금마련 방법은 저축과 은행대출이 대다수를 차지하고 있는데, 현재 가구의 소득만으로는 자가소유의 희망주택을 마련하는 것이 불가능함에도 불구하고 주택금융을 활용하여 내집마련을 하는 주거문화는 임대료를 지불하고 임차소유를 하는 외국과는 다소 다른 우리의 주거문화이다. 그러나 주거만족도의 측면에서 주거이동은 주택규모를 확장시키고 점유형태를 변화시켰기 때문에 주거이동으로 인해 대부분의 가구가 주거의 질이 향상되었다고 인식하고 있으며, 현재의 주거에 대해 매우 높은 만족감을 보인다.

• 농업과학연구
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• 제18권2호
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• pp.164-179
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• 1991

Korean agriculture has encountered two problems. One is internal income disparity between rural and urbarn area and the other is external Uruguay Round trade problems as an abolition of direct and indirect import barriers, reduction in export subsidies and to reduce internal price supports. These problems will be brought severe farm problems such as decreasing farm household income and repressing agricultural growth in the near future. Considering the above inevitable facts Korean government has implemented several development projects such as rural industrial area development project, rural special production area development project, leisuresight seeing farm development project, traditional food development project, unskilled labor training project for off-farm employment and so on, to increase farm household income through off-farm income increase. This study was mainly concentrated on the identification of operational problems and post evaluation of the rural special production area development projects which aimed at increasing non-farm incomes and giving employment opportunity for rural farmers in small factories processing regional special farm products and mine products. The main findings and problems to be solved for the successful project implementation are as followed ; 1. Total number of the special production area development projects as of the end of 1991 was amount to 138, and total number of farm household participated were estimated at 2,079, and total amount of off-farm income per farm household was reached to 3,011 thousand won. 2. The total number of processed special products have increased from 21 items in 1981 to 56 items in 1991. On the other hand the total number of farm household participated in the projects have decreased from 2,518 to 2,079 during same period. 3. Total amount of investment for the projects has increased from 1,429 million won in 1981 to 24,760 million won in 1991 but the rate of G'T loan of the total investment has reduced from 24.5% to 5.2% during same period. 4. 138 special production area development project are classified into 6 kinds of commodity groups such as 19 of general industrial good production areas, 52 of folks-industrial art objects production areas, 39 of food processing areas, 9 of fiber and texstile processing areas, 18 of agricultural and fishery inputs processing areas and 1 of stone processing area. 5. The total production value in 1990 was estimated 20,169 million won of which export was amount to 2,627 million won. 6. The finacial rate of return of the UNGOK KUGIJA Tea processing Project operated by UNGOK coops and BAKSAN ginseng tea processing project were estimated at 45.4% (B/C Ratio=1.17, NPV=152.5 million won) and 17.7% (B/C Ratio=1.12, NPV=120.2 million won) respectively. 7. More favorite terms and condition of the loan including collateral problems have to be given to farmers participated. Heavy investment and G'T subsidy policies should be started for the successful project implementation anf farm household income increase. 8. To expand market demand of the rural special goods G'T have to provide special program of TV or other mass media for commodity propaganda and the total cost concerned must be supported by G'T subsidy. 9. The special farm products as GUGUJA,MOSI'Ramie', Ginseng. SOGOKJU,HEMP,Mushroom.DUGYUNJU and Chesnut processing projects have to be propelled and expanded for off-farm income increase in Chung Nam Province. 10. Direct operational pattern of the special production area by coops is more favorable to farmers and recommendable considering with off-farm income increase and market demand creation throughout Korea. 11. In rural area, special organizations for project appraisal are not exist. Accordingly special training program, project appraisal, formulation and preparation for civil servants concerned have to be prepared for project selection and sound implementation under limited budget and financial support.

• International Journal of Human Ecology
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• 제14권2호
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• pp.79-91
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• 2013

The market for a payday advance, regarded as both a convenient and short term-loan for immediate financial help, has grown incredibly since the 1990's. Despite its popularity by borrowers and the possible benefits, it has received negative publicity. Some borrowers have been caught in a debt trap for a long-term period and at tripledigit interest rates. The objective of this study is to shed light on the borrowers' profiles and their demand for a payday advance. Based on the 2010 household level data from the U.S. Federal Reserve Board, this study finds that payday advance users are pronounced as seemingly risky people. Payday advance users tend to be college drop-outs, African Americans, and non-homeowners compared to non-payday advance users. They are more likely to overspend above their income and have a favorable attitude toward conspicuous spending than non-payday advance users. They tend not to shop at all nor perform even moderate shopping for credit before using a payday advance service as opposed to non-payday advance users.

• International Journal of Human Ecology
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• 제17권2호
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• pp.31-42
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• 2016

We examine the self-control problems of U.S households and their effects on households' retirement preparedness based on the Behavioral Life-Cycle Hypothesis. Using the 2010 Survey of Consumer Finances dataset, the level of retirement adequacy was estimated with income replacement ratio (IRR), and only 42% of households were adequately prepared for retirement. Results from logistic regression analysis indicated that households with loan payment and saving self-control problems were less likely to be prepared adequately for retirement compared to those without such problems. Age, education, race/ethnicity, marital status, employment status, retirement plans, expected retirement age and risk tolerance were significantly related to retirement preparedness. This study provides financial educator and researchers with suggestions on how to help household make a better retirement plan.

• 가족자원경영과 정책
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• 제6권1호
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• pp.73-85
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• 2002

This study examined which factors influence the parental borrowing for children's college education in the U.S. A double-hurdle model was applied to analyze both the parents’decision to borrow and the amount of borrowing. Parents’income and total costs of college attendance had significant positive effects on both the decision to borrow and the amount borrowed. Students’income, parents’cash and savings had significant negative impacts on the amount borrowed, while home equity and the students’expected future income were significant positive factors. Greater amounts of grants significantly increased the probability of borrowing, but reduced the loan amount. Parents with smaller household size, and those who were college graduates were more likely to borrow. White parents borrowed greater amounts than did their non-White counterparts. The age of the student was a significant negative factor in the probability, as well as the level, of borrowing.

• 한국정보처리학회:학술대회논문집
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• 한국정보처리학회 2023년도 추계학술발표대회
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• pp.380-381
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• 2023

최근 경제침체로 인해 지속되는 연체율 상승의 원인을 지역별 및 시차별로 분석하였다. 독립변수를 가계대출변수, 부동산지수변수, 경제지표변수로 나누었고 통계적 모델링을 통해 총 19 가지 변수로 연체율을 예측하였다. 각 지역마다 상이한 결과가 도출되었는데 이를 바탕으로 지역별 연체율 감소 정책을 제안한다.

• 수산경영론집
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• 제16권1호
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• pp.31-54
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• 1985

The mutual credit of Fisheries Cooperatives is reciprocal financing bring overs and shorts to settlement themselves by filling each other's needs among feeble fishermen economically. The spread of mutual credit through Fisheries Cooperatives reduces private loan dependence and private loan interest rate at fishery village, and that fills up policy financing being restricted by working scale. And seeing movement side of Fisheries Cooperatives, it has done an under board to settle self-supporting foundation of primary fisheries cooperatives early. The mutual credit deposit shows about 53 times increase past an interval of a ten years. This increase rate is an epoch-making record being unparalleled in other banking facilities except Fisheries Cooperatives. Then being unparalleled increase rate, time and savings deposits increase has been contributed a great deal than demand deposits. Thinking important function factors as mutual credit growth, we can classify interior and exterior factors. The exterior factor is income of fishery household in some measure, interior factors are the high deposits interest rate and the enlargement of facilities organization. As these, they have been in a better factors, also have been a restriction factors. The restriction factors are conflict cancellation between mutual credit and them bring into existence a village vault, mutual savings and finance companies, private finance. For the sake of continuance growth rate in mutual credit as past, we should eliminate restricted factors in growth. On the other hand the better factors in growth should be act upon affirmation side continually. Consequently under circumstances not to an amicable settlement bring the fisheries fund demand as policy financing, we should do continuous and sound development of fisheries financing by means of putting in good order of fisheries cooperatives mutual credit. Surveying a problem from these viewpoints, when we study more deep and a full into a subject about growth project of mutual credit, we think to expect continuous growth in mutual credit of Fisheries Cooperatives.

• 가정과삶의질연구
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• 제22권5호
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• pp.29-45
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• 2004

This ethnographic case-study explores the interpretation and behavior in job considering among full-time housewives. The participants of this study are eleven middle class full-time housewives in their thirties and forties. In-depth interviews based on an unstructured Questionnaire were conducted for this study. Findings are as follows: Six full-time housewives tend to think their full-time housewife-lives more convenient, something unable to substitute and more profitable compared to the counter partner's lives. But they are classified into two groups according to the satisfaction for full-time housewife life. One group has found out more positive meaning in their life but the other group has not yet and they are doubtful about real life and other opportunity. In Contrast, other five full-time housewives tend to interpret employment as a more productive source to secure family resource for their children's education and repay the loan used to buy larger apartment. And the job is considered to confirm her own individuality and the feeling for the social entity as a competent social entity. But two of them who have never been employed do not try to get a job as a new identity alternative. And the various elements like household income, job experience, health, children's age and husband's attitude to his wife's employment etc. are defined to influence the interpretation and the job considering behavior among full-time housewives.

• 한국인구학
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• 제8권1호
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• pp.65-86
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• 1985

Korean population is ecpected to reach about 50 million by year 2000. And per capita GNP might attain the $5,000 level. This is bound to have profound impact on housing. For one thing, population and income growth will accelerate new household formation thus increasing new housing needs. On the other, changes in the housing preference function in association with income growth and new way of life would mean increasing demand for better dwelling environment. In addition, by year 2000, there will be many more elderly households necessitating new approaches to housing. The question is whether or not Korea could cope with new housing perspectives. If Korean housing has made in the past some progress in housing quality, it has not been able to tackle the mounting housing shortage. This is attributable to the concentration of effective housing demand in the hands of upper income groups in association with skewed income distribution and sustained dwelling price hike. Korea needs some basic changes in housing policy. The public sector should produce much more small dwellings either for sales or renting. Second, mortgage loans should be expanded so as to increase the access to housing. Third, every thing must be done to cut down the dwelling price through tax cut, relaxation of some requlations, cyclical stabilization of dwelling construction and loan subsidies.

• 디지털융복합연구
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• 제17권4호
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• pp.49-55
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• 2019

본 연구는 빅데이터 분석방법인 텍스트마이닝을 이용한 부동산시장 동향분석에 관한 연구로 자료는 2016년 8월부터 2017년 8월까지의 포털사이트인 네이버에 게시된 인터넷 뉴스를 통해 수집하였다. TF-IDF 분석결과, 주택, 분양, 가구, 시장, 지역 순으로 빈도가 높게 나타났고 대출, 정부, 대책, 규제 등 정책과 관련된 단어들도 많이 추출되었으며 지역관련 단어는 서울의 출현빈도가 가장 많은 것으로 나타났다. 지역과 관련된 단어 조합은 '서울-강남', '서울-수도권', '강남-재건축', '서울-재건축'의 출현빈도가 많은 것으로 나타나 강남지역 재건축에 대한 사람들의 관심과 기대가 높은 것을 알 수 있다.