• 가족자원경영과 정책
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• 제8권1호
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• pp.79-100
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• 2004

This study attempted to examine the employment instability on consumer's use of credit as a financing medium. The purpose of this study was 1) to examine the effect of employment related factors on consumers' use of credit; 2) to compare the results between the two different economic situations. A conceptual framework was developed based on the permanent income hypothesis, family stress theory, and the previous empirical studies. Using data on working households ih the 1992 and 1998 Survey of Consumer Finances (SCF), double-hurdle analyses were conducted. The results suggested that employment related factors that measured employment stability were significantly related to the likelihood of having an outstanding balance on their credit account but were not the influential factors in determining the amount of the outstanding balance. Among other factors, resources factor played the most significant role in determining both the likelihood of having an outstanding balance and the amount of the balance. Although the 1992 and 1998 data represent economic downturn and economic prosperous period, the effects of the factors including employment instability factors were similar between the two periods. This imply that employment instability has increased even in the economic prosperous period. From the findings, several implications for policy makers, credit industry, and financial educators were suggested.

• Human Ecology Research
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• 제54권6호
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• pp.631-642
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• 2016

This study analyzed of the themes (wounding and healing); concerning the Sandplay therapy process applied to children with emotional instability and attention deficit problems. The subjects of the study were 30 elementary school children who agreed to a personal-interview with the author. They all were families of receiving basic livelihood welfare living in the same county. After the preliminary analysis, the main study data collected from subjects was analyzed by variance (t-test), frequency analysis, and correlation analysis using the standard table modified in accordance with Mitchell's classification system. Particular attention was made in the analyses of the characteristics of the subjects as members of low-income families. As the Sandplay therapy proceeded, it became evident that the wounding area showed a low frequency while the healing area featured a high frequency, and confirmed (as in previous studies) that the Sandplay therapy would be effective for children with emotional instability as well as for those with attention deficit problems. The analysis of difference between the types of children with both problems revealed that Sandplay therapy was more effective for children with emotional instability than for those with attention deficit problems. The analysis also revealed that Sandplay therapy was more effective for girls than for boys.

• 지역연구
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• 제36권4호
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• pp.57-67
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• 2020

최근 대도시를 중심으로 주택가격의 급격한 상승에 따라 서민들의 주거안정도 크게 위협받고 있다. 본 연구는 대도시 거주자들의 주거불안정성에 주목하여 이에 영향을 미치는 요인을 분석하였다. 특히, 기존의 선행연구들이 주거비부담능력이 낮은 가구들의 주거불안 경험과 이에 따른 그들의 삶의 변화를 보여주는 데 주목해온 것과 달리, 본 연구에서는 거주지역의 공간적 개방성, 커뮤니티 특성 등 지역특성이 거주자들의 주거불안 경험을 완화 또는 심화시킬 수 있다는 점에 주목하여 이에 대한 영향력을 실증분석하였다. 대도시 거주자들의 주거불안정 영향요인을 분석하기 위한 자료로 2017년도 주거실태조사를 활용하여 다층로짓모형(Multi-level Logistic Model)을 통해 분석하였다. 분석 결과는 가구의 주거비 부담능력과 같은 가구특성뿐만 아니라 주택 재고, 저렴한 주택 가격, 사회적 관계망 등 지역 특성의 영향력 또한 확인하였다. 이러한 결과는 지역의 공간적 포용성 증진이 주민들의 주거불안정을 완화하는 데 긍정적인 영향을 미칠 것임을 시사한다. 논의를 바탕으로 본 연구는 주거불안정을 도시정책 차원에서 주목하고, 이를 완화해나가기 위한 정책적 노력이 필요함을 제안한다.

• International Journal of Advanced Culture Technology
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• 제6권2호
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• pp.9-15
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• 2018

The purpose of this study was to assess risk indicators of depressive symptoms such as demographic, socio-economical domains (age, gender, marital status, education, child, religion, income, health, friendship) and personality domains (neurotic personality, self-esteem and life goal attitude) of community dwelling elderly persons. A total of 300 community-residing elderly participants aged 65+ in a metropolitan city in Korea, were recruited for this interview survey. The interview covered demographic and socio-economic characteristics, and administration of the 20-item Korean Version of CES-D, the 10-item Self-esteem, the 19-item Neuroticism and the 10-itm Goal Instability scale. The prevalence of significant depressive symptoms (CES-D scale >= 21) was 31%. Logistic regression analysis showed high risk for depression was associated with high neuroticism, less intimate friendship, high goa1 instability, and childlessness, respectively in the order of significance. Factors in the personality domains were more strongly associated with depressive symptoms than factors in the socio- economical domains. Both cultural and universal meaning of the findings was discussed with regard to intervention.

• Journal of Korean Academy of Oral Health
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• 제42권4호
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• pp.167-174
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• 2018

Objectives: The aim of this study was to analyze the accessibility of dental care services among individuals with precarious employment in South Korea. Methods: We used the $9^{th}$ wave of the Korean Health Panel data (2015) and included 7,736 wage and non-wage earners in our study. We determined precariousness in the labor market as a combination of employment relationship and job income, and categorized individuals based on this into the following four groups: Group A comprising those who report job and income security, Group B comprising those who experience job insecurity alone, Group C comprising those who report a stable job but low income, and Group D comprising those who experience both job and income insecurity. Accessibility to dental care services was determined by experience of unmet dental care needs and unmet dental care needs caused primarily by financial burden. Logistic regression analyses were used to assess the effect of precarious work on access to dental care services. Results: Individuals with job insecurity (Group B; OR=1.445; 95% CI=1.22-1.70) and both job and income insecurity (Group D; OR=1.899; 95% CI=1.61-2.24) were more likely to have unmet needs than the comparison group. Both groups B and D were also 2.048 (95% CI=1.57-2.66) times and 4.435 (95% CI =3.46-5.68) times more likely, respectively, to have unmet dental care needs caused by financial burden. Education status, health insurance, and health status were all also effective factors influencing unmet dental care needs. Conclusions: Unstable employment and low income resulted in diminished access to dental care services. Therefore, governments should consider health policy solutions to reduce barriers preventing individuals with employment and income instability from accessing adequate dental care.

• International Journal of Human Ecology
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• 제7권2호
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• pp.53-62
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• 2006

The purpose of this study is to examine the changes in financial structure of the self-employed brought on the economic crisis in Korea.. We use financial ratio analysis, such as income to expenditure ratio, liquidity ratio, debt ratio, and capital accumulation ratio to analyze financial well-being of self-employed households. This study used a 1997 and 1998 Korean Household Panel Study collected by Daewoo Economic Research Institute. The average amount of holding of each type of asset showed that the investment of self-employed households decreased in the banking industry and the stock market in 1998 compared to 1997. On the other hand, asset allocation in bond and real estate increased, which implied preference for a stable type of asset with the increase in uncertainty of the future and economic instability. Devaluation of real estate allowed households to easily obtain real estate and increase preference for asset allocation in real estate after the crisis. The changes in financial ratio for the year 1998 shows that such ratios as income to expenditure, liquidity, and capital accumulation, decreased compared to the year 1997. Among those ratios, the income to expenditure ratio showed the biggest decline because of reduced income of self employed households. The results implied that the income structure of the self-employed is unstable, thus the self-employed were likely to be greatly affected during the economic downturn. Earners have more average income and net assets than the self-employed. However, using financial ratios, it was found that self-employed households were more stable than employees. The results shows that the financial ratio analysis is better tool to estimate households financial status. Implications for financial educators, counselors, and planners are offered. The results will provide implications for policy makers to establish appropriate policies for the self-employed and help them financially survive.

• 한국주거학회논문집
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• 제26권6호
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• pp.9-16
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• 2015

The Japanese economy has been unstable since 1990. Economic instability and changes in working conditions have made the acquisition of housing and the improvement in housing standards difficult. Unstable working and habitation conditions have also spread, and the Nagoya Metropolitan Area is recognized as a traction community in the Japanese economy. This study employed existing statistics and helpline consultations in 2013 to clarify the state of housing poverty in the Nagoya Metropolitan Area. Moreover, it clarified the conditions for improvement in the housing standards for the low-income households, a regional gap, and reasons for the deteriorating housing levels of low-income households by investigating the "Housing and Land Survey." Furthermore, it clarified housing difficulties that do not appear in existing statistics by investigating the examples of "toll-free call consultations" in 2013.

• Journal of the Korean Statistical Society
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• 제3권1호
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• pp.17-30
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• 1974

There are a number of studies on the peculiarities of inflation in underdeveloped economies. These studies are, however, confined to the cases of Latin American countries, and the essence of methodologies applied in the studies is basically estimations of linear parameters of an extended quantity equation with lagged variables. As it is generally observed, inflation in most of underdeveloped economies are, to some extent, affected by non-economic factors such as political instability, social disorder, abrupt institutional changes, etc. Sometimes, these factors underlying the basic movement of price level change are reflected in such variables as quantity of money supply, income velocity, gross national product.

• 농업과학연구
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• 제49권4호
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• pp.833-843
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• 2022

Since the supply and demand of agricultural products are unstable, which causes instability in farm income and consumer prices, the government has sought to mitigate the problems caused by unstable supply and demand by generating and providing agricultural outlook information. However, research should be carried out to increase the quality and utilization of agricultural observation information, because the value of agricultural observation information increases only when more users use this information and apply it to their decisions. In this study, a survey was conducted targeting producers and experts who are users or potential users of agricultural outlook information, and the results were analyzed through quantitative model, specifically importance-performance analysis (IPA) and analytic hierarchy process (AHP). The results show that improvement of promptness was required among the seven items evaluated with regard to agricultural outlook. Also, measures for dissemination of agricultural outlook information and the contents of outlook information should be improved to increase its use. If the quality level and use of agricultural observation information are increased by reflecting the results of the above analysis, decision-making on the supply and demand of agricultural products in Korea will be improved, and it is thought that it will be possible to increase farm household income and stabilize consumer prices through stabilization of supply and demand of agricultural products.

• 노동경제논집
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• 제29권2호
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• pp.1-27
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• 2006

최근의 이민은 과거와 달리 숙련노동력이 주도하고 있으며 그 정도가 계속해서 커져가고 있다. 본 논문은 1990~2000년 사이에 발생한 세계 각국에서 OECD 국가로의 이민 흐름 결정요인을 숙련수준별로 분석하는 것을 그 목표로 한다. 이를 위해 최근 공개된 Doquier and Marfouk(2005)의 이민자료로부터 각국의 연평균 이민율을 계산하여 종속변수로 삼았고, 배출국과 유입국의 경제적 지표를 독립변수로 활용하여 횡단면 분석을 실시하였다. 분석 결과 유입국/배출국의 평균적 소득격차, 연쇄이민, 언어와 같이 기존 연구가 밝혀 낸 인구학적 경제적 요인이 고숙련 노동의 이민에도 작용하는 것이 확인되었다. 그러나 고숙련 노동력의 이민은 다른 숙련수준에 비해 배출국의 산업구조, 유입국에서의 숙련수준간 소득격차, 평균수명과 같이 경제구조의 발전 정도에 민감하게 반응하는 것으로 보인다. 특히 소득수준이 향상되면서 구조적 요인의 상대적인 중요성은 더 커진다는 점은 주목할 만하다. 그리고 이민율에 영어 사용이 미치는 영향 역시 고숙련 노동력에서 크게 나타나며, 카리브해와 서아프리카 지역 등에서는 지역적 특수성이 이민율을 높이는 작용을 하는 것으로 보인다. 또한 두뇌유출의 가장 큰 위협을 받는 것은 중간소득 집단에 속한 국가들인 것으로 보인다.