• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.5
• /
• pp.109-115
• /
• 2021

This study aims to examine the effect of Operating Costs and Income, Loan to Deposit Ratio on the Return on Asset (ROA) of Public-Private Foreign Exchange Banks listed on the Indonesia Stock Exchange (IDX) during the 2015-2018 period. This study is a quantitative study using financial reports of Public-Private Foreign Exchange Banks listed on the IDX as a data source. This study's population is 25 Public-Private Foreign Exchange Banks listed on the IDX. This study uses purposive sampling to determine the sample to produce 21 banking companies. Data was analyzed using multiple linear regression methods and descriptive statistics. The F Test calculation results state that all the variables of free operating expenses, operating income, and the loan to deposit ratio simultaneously and significantly affect the return on assets (ROA) variable in Public-Private Foreign Exchange Banks listed on the IDX. This study's results indicate that simultaneously Operational Costs, Operational Income, and Loan to Deposit Ratio have a significant effect on ROA. Operational Costs and Operational Income have a significant negative impact on Return on Assets. The third hypothesis shows that the Loan to Deposit Ratio has a positive and insignificant effect on Return on Assets.

• Journal of agriculture & life science
• /
• v.44 no.5
• /
• pp.137-146
• /
• 2010

The GyeongNam Province is one of the regions that have first introduced chrysanthemum farming in Korea since the 1960s. The chrysanthemum growers of The GyeongNam Province had strong competitiveness in production and marketing, so the their income ratios were relatively higher than any other growers of other provinces. The income ratio of The GyeongNam Province, however, has continuously decreased and stays currently below ratios of other provinces. The purpose of this paper is to find out which factors have contributed to the decrease in income ratio of GyeongNam Province. The analysis indicates that the increase in production cost was the main causes of rapid drop in income ratio. It is also worth mentioning that the income ratio falls dramatically when oil price (duty-free oil) rises above 700 won per liter.

• The Journal of Fisheries Business Administration
• /
• v.39 no.1
• /
• pp.63-85
• /
• 2008

The objective of this study is to review the methodology of economic analysis of fishing ports by examining the economical feasibilities of a national fishing port (Jeongja Port) in Ulsan. This study utilized market value evaluation method to measure the benefits and costs related to the development of ports. The benefit variables are income effects resulting from the developments while the cost variables are sum of construction costs and maintenance costs. The income effects are measured in two ways: (1) income from individual project resulting from the developments, (2) the income effects by utilizing investment multipliers. The results shows that the BC ratio (Benefits/Costs) of Jeongja port by using (1) income from individual project resulting from the developments was 1.07 while the BC ratio by using (2) the income effects by utilizing investment multipliers was 1.10 due to a relative short period of useful life for investment multipliers. However, the income variable utilizing investment multipliers is more sensitive to the period of duration than the income variable from individual project.

• KDI Journal of Economic Policy
• /
• v.14 no.4
• /
• pp.51-62
• /
• 1992

The purpose of this paper is to estimate the ratio of under-reported business income and related tax to that which is actually reported. The business income and tax are vulnerable to being under-reported. Information about the business income and thus income tax is private information. Without information costs, the tax agency cannot collect all the information about the business income and income tax. In Korea there are more than 600,000 proprietors. Therefore, the costs to investigate the accuracy of the taxpayes' reports are substantial. The tax agency sets a level over which proprietors should report income ratio to total sales, which induces the under-report. To estimate the ratio of under-reported tax, the expenditure method is employed. By this method, the under-reported income can be easily presumed based on expenditures since expenditures are closely related to income. First, the consumption function is estimated by using cross-section data of 1986-89. Generally, the estimation results show the expected sign of the coefficients of the explanatory variables such as income, wealth, and family size. Second, the extent of under-reported business income and related tax is estimated by using the estimation results. The estimated ratios of under-reported tax and income to the actual tax and income fall in the range of 13~39% and 8~25% respectively. This estimation confirms the increasing tendency of the tax detection ratio in previous studies. However, it should be noted that this study is not based on data of the tax report but those of the urban household survey. Therefore, there still remains the possibility that the ratio of under-reported tax could be underestimated.

• Journal of Family Resource Management and Policy Review
• /
• v.22 no.1
• /
• pp.63-78
• /
• 2018

This study examined the insolvency of debtors using multiple-indicator approaches and compared the outcomes across income levels with the 2016 'Household Financial and Welfare Survey'. This study used (1) the total debt to total assets ratio (DTA), (2) the total debt service ratio (DSR), and (3) the Household Default Risk Index (HDRI) recently developed by the Bank of Korea. Households in the lowest income quintile were more likely to be insolvent than any other income group. Demographics, such as age and gender of the household head, and most of the financial variables significantly increased the likelihood of insolvency based on the DTA. The number of household members and job status increased the likelihood of insolvency based on the DSR. Also, age, gender of the household head, and most of the financial variables increased the likelihood of household insolvency based on the HDRI after controlling for other demographics and financial variables.

• Journal of Korea Trade
• /
• v.24 no.4
• /
• pp.18-33
• /
• 2020

Purpose - This paper investigated the effect of international trade affects income inequality. It also compares the different effects between developing and developed countries over the period from 2005 to 2014 for 58 countries. Design/methodology - The econometric estimation was used to identify the relationship between export, import, FDI, GDP, unemployment and income inequality. In this empirical analysis, we utilized a Vector Error Correction (VEC) model using panel data. Findings - The findings show that there is a close correlated between trade and income inequality. The higher export ratio of GDP tends to have a 1.79 times more income inequality in developing countries than in developed countries. The higher import ratio of GDP tends to have a 2.44 times higher income inequality in developing countries than in developed countries. Further, Increasing FDI tend to have an approximately 1.43 times higher income inequality in developing countries than in developed countries. Korea is in the middle of developed and developing countries' result. Originality/value - To correct the global income inequality regarding trade, developed countries' proactive trade policies, such as granting preferential tariff benefits to developing countries, are likely to be needed and Income Safety Net in international trade must be taken into account.

• Korean Journal of Rural Living Science
• /
• v.6 no.2
• /
• pp.163-171
• /
• 1995

This study explored the spousal financial communication, the household financial satisfaction and their relationships among couples living in Iksan-si, Chunlabuk-do. As results of this study, the differences in financial satisfaction were significant for couples, and between full-time housewives and employed wives, but not for two groups of husbands by spouse's employment. Openness of financial communication was significantly explained by personal income ratio to total family income and conflicts of it was done by age, total family income, personal income ratio to total family income, white-color workers. Generally, financial satisfaction was significantly explained by educational level, total family income, and white-color workers.

• 사회경제평론
• /
• v.31 no.2
• /
• pp.39-69
• /
• 2018

We measured industrial labor income shares and investigated their determinants. Excluding industries where non-wage earners are not countable, we constructed 22 industry labor income shares from 1993 to 2015. Even though labor income shares in manufacturing industries declined more than in service industries, the economy-wide decline was not driven by structural changes but by within-industry effects. We found that rise in capital-labor ratio, R&D intensity, export dependence, and irregular job ratio contributed to the fall in labor income shares. When we examined manufacturing industries separately, overall results were about the same. But in that case we had additional findings that the rise in import dependence and outsourcing ratio lowered labor's shares, while minimum wage increases raised them.

• Journal of Family Resource Management and Policy Review
• /
• v.11 no.1
• /
• pp.65-81
• /
• 2007

The purpose of this study is to analyze income and consumption expenditure patterns over the family life cycle. The data used in this study is the 2004 Survey data from the Annual Report on the Family Income and Expenditure Survey data which are included salary and wage earners' households living in urban areas. The income and expenditure data of 20,383 households are analyzed. The family life cycle is classified into six stages and the items of expenditure are classified into 12 categories. The data are analyzed by descriptive statistics, $X^2$ test, F-test, and Duncan's multiple range test using SAS 8.0 package program. The major findings of this study are as fellows: First, the average monthly family income of the total sample is 3,480,000 won. The proportion of regular and irregular income among the total family income is 95.5% and 4.5% respectively. Second, the amount and ratio of monthly regular income fur each category are significantly different over the family life cycle. Third, the average monthly family expenditure of the total sample is 2,250,000 won. The amount and ratio of monthly expenditure of all items are significantly different over the family life cycle. The highest expenditure item is the traffic expanse and phone charge.

• Journal of Families and Better Life
• /
• v.34 no.3
• /
• pp.113-128
• /
• 2016

The Purpose of this study is to find the levels of keeping financial records among Korean households and to reveal the effect of keeping financial records on financial soundness of households. The 2014 Consumer Empowerment Index of the Korean consumer agency, which includes the surveyed results of 1,000 individuals, was analyzed as a secondary dataset. As a result, the following findings emerged during the study. First, 25.9% of consumers replied that they were keeping financial records. Factors associated with keeping financial records were gender and income. Women were more likely to keep financial records than men. Also, income had significant effects on keeping financial records. Second, levels of meeting percentages of financial ratios were highest in the debt to income ratio, which was 81.5%, and lowest in the investment ratio, which was 14.5%. Furthermore, 52.6% met the savings ratio, 40.6% met the emergency funds ratio, 24.6% met the retirement savings ratio. Meeting a percentage of the savings ratio did not fluctuated for 16 years, although the debt to income ratio has decreased around 15% since 1998. Third, keeping a household account book had signigicant influences on meeting percentages of financial ratios. Magnitudes of effects ranged between 1.4-1.8 odds, which were as much as the income effects. In summary, effects of keeping financial records were evidenced in this study. It is suggested that the importance of keeping financial records should be stressed in financial education and counseling programs.