• Journal of Venture Innovation
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• v.2 no.2
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• pp.117-126
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• 2019

This study conducted correlation analysis and multiple regression analysis using financial statements, loan structure, ROA and ROA volatility of domestic commercial banks, regional banks and special banks for the past five years (2012 ~ 2016). The result is as follows. First, as a result of correlation analysis, bank's ROA is positively related to household loans and SME loans, but it is negatively correlated with the ratio of loans to large companies, sector bias, and loan loss provision ratio. Second, ROA volatility was negatively related to household loans and SME loans, but it was positively correlated with large corporate loans, sector bias ratio, and loan loss provision ratio. Third, as a result of the regression analysis, the variables that have a statistically significant effect on the ROA volatility of banks were household loans, SME loans, and large enterprise loans. From these empirical results, special banks with high volatility in profits need to diversify loan types and sectors in order to achieve business performance outside of policy finance. and Especially, Suhyup Bank and Nonghyup Bank, which have a large commercial role, have a large size per unit by focusing on short-term profit and Rather than focusing on large companies or large loans that are easy to obtain financial information, it is necessary to focus management capabilities on household loans and SME loans by developing capabilities such as screening techniques.

• Journal of Families and Better Life
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• v.23 no.2 s.74
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• pp.137-148
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• 2005

This study compared one-child households' economic structures between those who determined not to have more children and those who have a birth plan. This study examined the demographic characteristics and economic variables such as income, consumption expenditures, assets. debt, and a subjective evaluation of future economic status. Especially, it compared the effects of socioeconomic variables on expenditures on a child between low-fertility and birth-planned households. From a questionnaire completed by a husband or wife of one-child households, 154 low-fertility households and 201 birth-planned households were obtained. A t-test, chi-square test, multiple regression analysis and a dummy variable interaction technique were used. The findings of this study are as follows: First, low-fertility households were older, had higher income, and had more educated, employed wives. Their marital duration was longer, and their child was older than those of birth-planned households. Second, low-fertility households had higher consumption expenditures than did birth-planned households. Especially, expenditures of apparel and shoes, health care, education, and entertainment were significantly higher for low-fertility households. Also, low-fertility households spent more than did birth-planned households on a child. However, low-fertility households had significantly more debt than did their counterparts, and their expectation level of future economic status were lower than that of birth-planned households. Third, the effects of socioeconomic variables on expenditures on a child were different between low-fertility and birth-planned households. Age, education level, husband's occupation, wife's employment status, income, net asset, and subjective evaluation of future economic status showed significant differences. Income elasticity of expenditure on a child was significantly higher for low-fertility households than their counterparts.

• Journal of the Korea Furniture Society
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• v.24 no.1
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• pp.60-69
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• 2013

Timber is an eco-friendly material that is suitable for low carbon and green growth, and recently, studies on utilization and manufacture of timber are increasing. Thus, we need a stable supply of wood working materials for the formative element and widespread function of timber. It is necessary to develop the use of timber because it enhances the added value of this material by making the most of it. In this way, skin-timber is an appropriate material for life articles because skin-timber has a variety of functions including the ability for storage use, the beauty of structure, the ability to maintain heat and insulation, and the capability to control humidity. In this study, I developed household items using skin-timbers that are made up of circular columns and square columns of pine, larch, and yellow popular. The circular and square columns have an inner hole that is approximately 90% of the external structure's width. I intended for the concept of these designs to display creativity considering functionality and productivity. These items are life articles and furniture for modern people. They are eco-friendly products that are varnished with traditional lacquer and natural oil. According to the result of this study, skin-timbers are made of domestic pine, larch, and yellow popular and are resource of furniture, household items, and woodcraft. I believe skin-timber is not only a useful material for processability and design applicability, but it also has the capability to be a multifunctional and high value-added material. Also, if the standards, such as cortex thickness, outside diameter, and length, of skin-timber are producted diversely, I believe skin-timber can be have more the possibility of industrial products' development.

• Journal of Agricultural Extension & Community Development
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• v.14 no.1
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• pp.231-247
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• 2007

The purposes of this study were to analyze the structure of time use in farm households, and to compare the time use structure of women farmer with that of their husbands. The data for this study were collected from 276 farm households, selected from 8 provinces in the country. The data were collected at two times of farming season and off－farming season and classified as farm labor and household labor by labor types. SPSS(ver 12.0) statistical package was utilized to analyze the data, and t－test was performed for this study. The major findings are as follows; 1) In the case of work directly related to farming, husband's working hour was significantly longer than that of wife during the farming and off－farming season. In contrast with wife's household working hour was significantly longer than that of husband during both seasons. 2) There existed a severe work time imbalance between wife and husband during the-farming season. Based on the findings of this study, the following implications could be drawn to promote efficient labor and equal labor sharing. First, the consciousness has to be changed because the impartial labor sharing roles. We have to develope many programs to break these fixed ideas. And these programs have to be included to educational course and be instructed continuously. Second, the role of wife that household and farming work is important and will be magnified in the future.

• Journal of the Korean housing association
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• v.23 no.2
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• pp.125-133
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• 2012

The purpose of this study was to explore characteristics and housing satisfaction of multifamily renter households in metropolitan areas using 2009 American Housing Survey public-use microdata. A total of 8,139 multifamily renter household residing in metropolitan statistical areas were selected for data analysis. The findings are as follows: (1) In comparison with other types of households in the metropolitan areas, multifamily renter households tended to show a smaller household size, younger householders, a greater proportion of households with householders who have never married, or have been widowed, divorced or separated; (2) housing cost related variables such as monthly rent or rent per square footage were found not to have significant influence on housing satisfaction of multifamily renter households in metropolitan areas; (3) factors influencing housing satisfaction of multifamily renter households with householder's age 34 years or younger were neighborhood satisfaction, householder's race, structure age and per-person unit size; and (4) neighborhood satisfaction was found to have the strongest influence on housing satisfaction of multifamily renter households in metropolitan areas.

• Analytical Science and Technology
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• v.6 no.3
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• pp.335-343
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• 1993

The structure of cerebrosides from soybean embryo was determined using fast atom bombardment mass spectrometer (FAB-MS), gas chromatography mass spectrometer (GC-MS) and TLC. The components of cerebroside were determined by GC-MS after acid hydrolysis. The molecular weight distribution of cerebroside was measured by positive mode FAB-MS with LiOH saturated 3-nitrobenzylalcohol(3-NBA) matrix. Structures of individual components of complex mixtures can be determined easily by this process. The major constituent of soybean extracted cerebroside was determined as the glucoside of N-2'-hydroxypalmitoyl-sphingadienine.

• Journal of Korean Public Health Nursing
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• v.34 no.1
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• pp.74-86
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• 2020

Purpose: This study identified the factors that influenced the food-intake practices affecting iron deficiency anemia among Senegal mothers. Methods: The subjects were 155 mothers in Dakar, Senegal. We surveyed 21 questions concerning their knowledge of iron deficiency anemia, the perceived severity and perceived benefits, self-confidence, food preferences and food-intake practices during the period from December 4, 2017 to December 29, 2017. Results: The factors significantly related to food-intake practices affecting iron deficiency anemia included having a female head of household with male support (β=0.249, p=.003) and being in the 5th quintile of income level (β=0.386, p=.003). Conclusion: The results of regression analysis showed that the head of household and income level are factors that influenced the food-intake practices affecting iron deficiency anemia. Therefore, economic factors and the structure of the household must be considered to achieve success for Senegalese iron deficiency anemia projects.

• The Korean Journal of Community Living Science
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• v.21 no.1
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• pp.53-69
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• 2010

The purpose of this study was to find how financial structures differ from the family life cycle. The data was drawn from the 2002 Korean Labor and Income Panel Study conducted by the Korea Labor Institute, and 1,957 households. The level of total income and subcategories of income were found to be significantly different from the family life cycle and showed tendencies to increase up to the period of child birth and then sharply dropped down during the retirement period. Household consumption expenditures in total and subcategories showed a U shape by family life cycle and were also found to be significantly different from the family life cycle. The consumption expenditure of dining out showed the highest level at the beginning of family establishment, whereas medical cost showed the highest level for later years. The level of total assets increased gradually from the family life cycle and a little decreased for the later years, and the level of real estate assets showed the highest ratio(90% over) out of total asset components of family life cycle.

• KIEAE Journal
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• v.11 no.6
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• pp.29-35
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• 2011

This study aims to suggest improvement plans and explain about the current situation for facilitating Long-life housing, based on the results on flexibility items among 27 items consisting the "Housing Performance Grading System". From the 9th of January, 2006 to the month of July in 2011, study has analyzed evaluation results on 216 different types for each grade and reviewed evaluation criteria and methods. Current evaluation criteria applies quantitative analysis, by calculating in percentage how much bearing walls and columns, which hinder flexibility, take up space in the household. The evaluation rate for each household was assessed in relation to its structural system, and a higher grade was given to column-typed structures. In addition, to facilitate long-life housing, this study extracted harmful factors, expanding the range of evaluation. The first step was to evaluate structure, which is the basic element. The second step can to evaluate the probability of applying resources in response to the changes of structural systems. As The third step, Flexibility item will evaluate the probability of moving the water-using area, suggesting gradual approach. Thus, through evaluations of flexibility items, the study aims to improve the quality of life in household, by avoiding uniform structures and acquiring more freedom for space designs.

• Environmental and Resource Economics Review
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• v.22 no.3
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• pp.547-580
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• 2013

As energy conservation can be realized through changes in the composition of goods and services consumed, there is a need to assess indirect and total household energy consumption. The Korean household sector was responsible for more than 55% of Korea's total energy consumption in the 1995 to 2010 period. More than 69% of household energy consumption was indirect. Thus, not only direct but also indirect household energy consumption should be the target of energy conservation. Electricity consumption became in 2009 the main source of household energy consumption in Korea. Households consume more and more electricity intensive goods and services, a sign of increasing living standards. Decrease in energy intensities of products consumed by Korean households contributed greatly to reduce the increase in the total household energy consumption. However, switching took place towards more energy intensive products, thus the structure effect was negative. It is necessary to direct consumption and production towards much less energy intensive goods and services as to reduce energy consumption or its growth rate. The Korean government should readjust low energy and electricity prices to cost-reflective prices levels as these low prices are one of the main reasons for the consumption of more energy intensive products. This study differentiates prices of oil products and electricity between households and industries, as to allow more accurate estimation.