• Journal of the Korean Home Economics Association
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• v.43 no.1 s.203
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• pp.85-103
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• 2005

This study attemped to analyze the financial stati of single households. The financial stati of single households were analyzed using the income and expense stati, balance sheet status and selected financial ratios as components. The data of 757 single household's from the 1998 Korean Household Panel Study were utilized. The major findings are summarized as follows; 1. Male single households had higher income and expense stati than those of females but lower holdings of other asset with the exception of liquid assets. Single elderly households had the highest holdings of both real assets and debt. 2. Usually single households were retained more short-term than long-term liquid assets. The debt burden ability in using net assets was the lowest of all assets. To accumulate capital those in single household were more likely to have savings than investment assets.

• The Korean Journal of Community Living Science
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• v.14 no.1
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• pp.55-71
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• 2003

The purpose of this study was to evaluate the financial status of single mother households by financial ratios. Data was drawn from Labor Panel Survey Data in 1999, and 198 single mother households were selected. Major findings were as follows: 1) The levels of after-tax income, income per person, expenditure, expenditure per person, asset, pure asset, and debt of single mother households were lower than their counter-parts. 2) All financial ratios showed that both financial security and financial growth of single mother households were lower than their counter-parts. Especially, 22% of single mother households had the lower level of income that the lowest cost of living.

• KIEAE Journal
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• v.10 no.1
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• pp.11-18
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• 2010

Permanent rental housing complex is subjected to both an increase in the crime rate due to its residential population structure and social, economic isolation for insecurd income of the residents. It should be considered that the densely populated area with low-income group of the city causing many problems related with the community. This study focused on the Man-soo 7 housing estate in Incheon with the area's average scale and ratio is made as an effort to include the residents who live in the permanent rental housing area among the members of the healthy community. The result of the research suggests the method of housing improvement to establish the successful support institution for self-sufficiency of the low income inhabitants analazying the demand of the residents through a survey categorized into resident support system, public workplace and inhabitant participation.

• Journal of the Korean Home Economics Association
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• v.41 no.1
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• pp.39-58
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• 2003

This study investigated the effects of the householder's age as a proxy for the family life cycle stage variable and the householder's occupation on the household financial structures. Household financial structures are analyzed by the components of two financial statements(the income and expense statement and the balance sheet statement) and selected financial ratios. The data came from the 1998 Korean Household Panel Study. It was found that the age profiles of household finances such as household income, expenditure, savings and consumption rate, financial assets, real assets and home ownership, debt and net worth usually vary according the householder's occupation. The ratios of debt repayment and the liquidity ratios also vary in part as age changes for each occupational group.

• The Journal of the Korea Contents Association
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• v.22 no.9
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• pp.561-569
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• 2022

A study was conducted to determine whether there is a difference in the incidence of kidney cancer according to income level and the difference in delayed diagnosis. To this end, the incidence of kidney cancer in Korea was analyzed by income level and by stage. From 2015 to 2017, a national kidney cancer cohort was established by linking the KCCR(Korea Central Cancer Registry), NHISS(National health insurance sharing service), and the HIRA(Health insirance review and assessment service) database to calculate the kidney cancer incidence by stage and income level. During the study period, the incidence of kidney cancer in Korea increased in all income deciles, but decreased only in the medical aid population. The incidence of kidney cancer in Korea was 7.35 per 100,000 people, and 83.54% of them were locoregional kidney cancer. In the top 20% of the income decile, there was a high incidence of 21.46 cases per 100,000 people, among which 18.37 cases were locoregional kidney cancer. On the other hand, even after adjusting for risk factors related to kidney cancer, it was confirmed that the lower the income level, the higher the risk of being diagnosed with kidney cancer with distant metastasis (lowest income 20% adj.OR 1.807, 95% CI 1.411-2.222). In the insured population, the risk ratio of being diagnosed with unknown stage was 1.926 (95% CI 1.317, 2.816). The higher the income level, the higher the frequency of early cancer diagnosis, but the lower the income level, the higher the risk of being diagnosed with metastatic kidney cancer or an unknown stage, so health inequality according to income level was observed.

• Korean Journal of Community Nutrition
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• v.28 no.4
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• pp.302-316
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• 2023

Objectives: The study aim was to identify changes in the nutritional status of older adults during the COVID-19 pandemic according to household income and demographic characteristics. Methods: Study participants were 2,408 adults aged 65 and over who participated in the 2019-2020 Korea National Health and Nutrition Examination Survey (KNHANES). To examine changes in nutrient intake levels resulting from COVID-19, data of 2019 and of 2020 were compared. Study participants were divided into three groups based on household income level to compare these changes. The changes were compared according to household income level, age group, and household type. Results: Percentages of recommended intakes for energy, protein, and most micronutrients were the lowest for the low-income group of both males and females in 2020. The Mean Adequacy Ratio (MAR) score was the lowest for the low-income group in both years. When comparing nutrient density for 2019 and 2020 by income group, the male low-income group experienced a decrease in nutrient densities of vitamin A, thiamine, calcium, and iron. For the same group, a decreased percentage for energy intake from protein was noted. Fruit intake was lowest in the low-income group for both males and females. Low-income males had the lowest intake levels for meat, fish, eggs, and legumes in both 2019 and 2020 and the lowest milk and milk product intake levels in 2020. Older adults living alone or single older adults with children had lower MAR scores than those living with a spouse. Older adults living alone experienced decreases in energy and thiamine and iron intake levels in 2020 compared to their intake levels in 2019. Conclusions: Because of the COVID-19 pandemic, nutrition intake levels worsened for older adult males in the low-income group and older adults living alone. This finding shows the need for a more systematic nutritional support strategy for the vulnerable older adults population in national disaster situations.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.885-896
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• 2021

The general role of commercial banks is to provide financial services to the general public and business, ensuring economic and social stability and sustainable growth of the economy. Commercial banks play an important role in mobilizing and channelizing funds for investment activities. This study analyzes the impact of the key financial variables on the net profit of the selected commercial banks in Oman. The study employs times series panel data - cross-sectional analysis of the key financials of five leading commercial banks for a period of 13 years from 2007 to 2019. The results reveal that the correlation matrix of the selected variables has a positive relationship with net profit, assets, deposits, loans, and interest income. However, the findings also shows a negative relationship between net profit and net loans to total deposits ratio. The study found net loans is the main independent variable that influences the profitability of the banks since the key source of revenue comes from the lending operations. The assets, total capital adequacy ratio have a mixed effect on the profitability of commercial banks. The total deposits and capital adequacy ratio have a negative effect on profitability mainly because excessive liquidity will increase the cost of capital and reduce the return on investment. Focusing on lending operations with a sound credit portfolio will improve profitability.

• Journal of Korean Ophthalmic Optics Society
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• v.16 no.3
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• pp.319-325
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• 2011

Purpose: The relativity of factors between low vision and socioeconomic status were investigated. This study represented the preliminary data for establishment of public eye health policy. Further, this report would encourage people to change the social attitudes about the eye health equity of the nation. Methods: The number of people (2,514 people) who have been tested the forced visual activity were examined as it was referred the Korea National Health and Nutrition Examination Survey (KNHNE) of 2009-year data. The prevalence rate of low vision of subjects which are related with house income, education level and occupations were conducted with ttest and chi square test. Besides, the Binominal Logistic Regression was conducted to measure the odds ratio of the subjects. Results: In outline, the prevalence rate of low vision was high with low house income, low education level and low function. The odds ratio represented that 2.77(95% CI, 1.72-4.47) at low house income group and 4.02(95% CI, 1.75-9.23) at the case of below primary school education level. Moreover, the results of unemployed group showed 3.65(1.14-11.68) from the odds ratio measurement. Conclusions: The eye health policy need be instituted which is broad and meticulous support to ease the eye health equity of low eye sight patients. For instance, the education about eye health, examination business of eye disease, and education of assistant units which are useful for low eye sight would suggest practical solution.

• Journal of Venture Innovation
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• v.2 no.2
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• pp.95-115
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• 2019

In the context of today's business environment, not only is the nation or company's credit rating considered very important in our recent society, but it is also becoming important in international transactions. Likewise, at this point of time when the importance and reliability of credit evaluation are becoming important at home and abroad, this study analyzes financial ratios related to corporate profitability, safety, activity, financial growth, and profit growth to study the impact of financial indicators on enterprise value and corporate taxes on credit evaluation. To proceed with this, the financial ratio of 465 companies of KOSPI securities listed in 2017 was calculated and the impact of enterprise value and corporate taxes on credit evaluation was analyzed. Especially, this further study tried to derive a reliable and consistent conclusion by analyzing the financial data of KOSPI securities listed companies for eight years from 2011, which is the first year of K-IFRS introduction, to 2018. Research has shown that the significance levels among variables that show the profitability, safety, activity, financial growth, and profit growth of each financial ratio were significant at the 99% level, except for the profit growth. Validation of the research hypothesis found that while the profitability of KOSPI-listed companies significantly affects corporate value and income tax, indicators such as safety ratio and growth ratio do not significantly affect corporate value and income tax. Activity ratio resulted in significant effects on the value of enterprise value but not significant impacts on income taxes. In addition, it was found that the enterprise value has a significant effect on the company's credit and corporate income taxes, and that corporate income taxes also have a significant effect on the corporate credit evaluation, and this also shows that there is a mediating function of corporate tax. And as a result of further study, when looking at the financial ratio for eight years from 2011 to 2018, it was found that two variables, KARA and LTAX, are significant at a 1% significant level to KISC, whereas LEVE variables is not significant to KISC. The limitation of this study is that credit rating score and financial score cannot be said to be reliable indicators that investors in the capital market can normally obtain, compared to ranking criteria for corporate bonds or corporate bills directly related to capital procurement costs of enterprise. Above all, it is necessary to develop credit rating score and financial score reflecting financial indicators such as business cash flow or net assets market value and non-financial indicators such as industry growth potential or production efficiency.

• Korean Journal of Human Ecology
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• v.22 no.1
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• pp.117-129
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• 2013

The purpose of this study is to examine the factors affecting on CRPI (capability of retirement planning and implementing) and to identify the critical point of financial factors to increase CRPI. 908 Korean individuals' data were used for descriptive statistics, t-test, F-test, and Generalized Linear Mixed Model Analysis. As a result, CRPI was influenced by attitude toward retirement planning, gender, income, and propensity to save. Some mid-group did not make a significant difference in CRPI compared to the lower-group. Men were more capable at CRPI than women in terms of sense of independence and getting a consulting service. Most consumers appear to have difficulty in calculating their retirement fund. People who have income over 3,000,000 won have dramatically greater CRPI than people who have income under 3,000,000 won. And people who have saving ratio over 23% have significantly greater CRPI than people who have propensity to save under 23%. The monthly income 3,000,000 won and propensity to save 23% were considered as critical points related to CRPI.