• 한국콘텐츠학회논문지
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• 제16권10호
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• pp.411-419
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• 2016

본 연구는 가구소득 수준과 가구소득 대비 의료비 지출 비중의 관련성을 규명하고자 한다. 자료 분석을 위해 한국보건사회연구원과 국민건강보험공단이 공동 주관하는 한국의료패널 2010-2011년 연간 데이터를 이용하였다. 독립변수의 효과가 2010년과 2011년에 따라 변화하는지 확인하기 위해 연도와 독립변수 간의 상호작용 효과를 확인하였으며, 연도에 따라 상호작용 효과가 나타난 요인은 연도별로 분리하여 일반화 추정 방정식 방법을 이용한 선형회귀분석을 수행하였다. 의료 이용을 한 사람들을 대상으로 가구소득 대비의료비 지출 비중과 관련성을 가진 요인들을 살펴본 결과, 가구소득 수준이 높을수록 의료비 지출 비중이 낮음을 확인할 수 있었다. 저소득층의 의료비 부담을 줄여주는 정책을 마련해야 할 것이다.

• 디지털융복합연구
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• 제15권12호
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• pp.625-633
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• 2017

본 연구는 가구소득의 불평등에 민간보험수입과 의료비본인부담지출이 어떠한 영향을 미치는지를 확인하기 위하여 2015년 의료패널조사데이타에 대하여 소득계층별 집중지수와 집중곡선 분석을 실시하였다. 주요 분석결과는 다음과 같다. 첫째, 가구소득 집중지수가 0.3580으로 소득이 고소득층에 집중되어 있어서 불평등 정도가 상당히 큰 것으로 나타났다. 둘째, 민간보험수입이 고소득층에 집중하여 적지만 고소득층 가구의 소득집중현상을 강화시킨다. 셋째, 저소득층의 의료비 본인부담지출이 많은 것으로 나타났다. 끝으로 가구소득에서 전체 의료비본인부담지출을 제외한 소득에 대한 집중지수가 0.3676으로 나타나서 의료비본인부담지출 후에도 소득이 고소득층에 크게 집중되어 있었다. 따라서 민간보험수입과 의료비본인부담지출은 모두 가구소득불평등을 심화시키는 요인으로 작용하고 있어서 융 복합적 연구 및 정책방안 마련을 통한 개선이 요구된다.

• 수산경영론집
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• 제35권2호
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• pp.31-51
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• 2004

The reduction of fishing grounds due to the establishment of EEZ system among China, Japan and Korea together with the depletion of fish resources by pollution of waters and successive reclamation projects along the east and the south coastal lines has made many problems in coastal communities including the decrease of population, the deepening aging phenomenon in the fishery society and the fall of relative income level compared with those of rural and urban residents. Especially, the income level of a fishing household is 90%. of a rural resident and 70% of a urban resident. The income of a fishing household consists of 55% of fishing income, 20% of a agricultural source, 20% of income from non-fishing areas, and 10% of transferred income. Compared with that of a Japanese fishing household which has more diverse income sources such as 62% of income coming from non-fishing areas through being hired in manufacturing firms, etc., that of Korean ones is highly dependent upon fishery and agriculture, so that the diversification of income sources is urgently needed, especially in non-fishing areas. This paper shows that as a model to upgrade fisherman's income level, firstly, it is necessary to enhance the value-added of fishing products through processing and new innovation of distribution process and, secondly, to promote tourism in fishing villages. To ascertain this model, a questionnaire survey to fishermen was carried out and showed that they expressed a strong support for the increase of income by the value-added process through processing and innovative distribution system and the active introduction of tourism in fishing villages. A case study on Gosan cooperative in Jeju was also introduced to identify the rationale of the suggested model and this study proved the validity of the model again. Conclusively speaking, to level up the fisherman's income requires the value- added activities through the introduction of product processing and new distribution system together with the introduction of marine tourism in fishing villages.

• 대한지역사회영양학회지
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• 제15권5호
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• pp.582-592
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• 2010

The purpose of this study was to determine the factors related to eating breakfast for middle and high school students in Seoul using the Theory of Planned Behavior. Out of 2,280 questionnaires distributed to 22 schools, 2,060 were returned (90.4% response rate) and 1,899 were analyzed (83.3% analysis rate). Gender, self-perceived household income level and mother's working status were examined as demographic factors. "Attitude", "Subjective norm", "Perceived difficulty in access to breakfast", "Perceived time restriction" and "Self restriction to breakfast" were extracted as psychosocial factors as the results of factor analysis and reliability test using 17 items. In case of middle school students, boys were more likely to skip breakfast than girls. The students perceiving their household income level "low or middle low" were more likely to skip breakfast than those who perceived their household income level "high or middle high". The students whose mother had a job tended to skip breakfast than those whose mother had no job. In case of high school students, the students perceiving their household income level "low or middle low" tended to skip breakfast than those perceiving their household income level "high or middle high". The results of analysis of variance, all the psychosocial factors examined in this study-"Attitude", "Subjective norm", "Perceived difficulty in access to breakfast", "Perceived time restriction" and "Self restriction to breakfast"- were related to the frequencies of eating breakfast during weekdays in both the middle and high school students.

• 가정과삶의질연구
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• 제2권1호
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• pp.35-55
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• 1984

This study aims to present basic data for a reasonable home management through investigating the change of home economy conditions incidental to the family life cycle, also through analyzing the effect of socio-anthropological variables on the family-life cycle. The data investigation using the questionnaires method was conducted on housewives in Seoul as the central census tract. Housewives as the subject of investigation were chosen by the method of the purpose-sampling in consideration of the regional differences and the socio-economical strata. Nine hundred and forty questionnaires were distributed to housewives but seven hundred questionnaires were collected. Only five hundred and ten questionnaires of them were analyzed in this study. The frequency and the percentage of collected data, first of all, were founded in order to grasp the general characteristics of the subject of investigation. To classify the stage of family life cycle, the correlations of the classifying factors among each group were examined x2 Test and One-Way ANOVA were applied to explore the differences among each stage of the change of household-economy. And the effect of socio-anthropological variables on the change of household- economy was analyzed by Two-way ANOVA. the conclusions derived from the results of this study are as follows; 1) The marriage-period and the educational conditions of the first child were selected as the classifying factors through analyzing correlation among the age, the marriage-period and the educational conditions of their children. As a result of this analysis, the family life cycle were classified into seven stages: Stage 1; Establishment Stage 2; Preschool family Stage 3; Elementary school family stage 6; Adult period family Stage7; Marriage period family . 2) The change of household economy incidental to the progress of family life cycle has a significant differences in all of variables (except the other member of family's income) Stage 1; Though the husband's income and the income from property are on a low level, the total income is on a high level due to the housewife's income. Stage 2; The total income is on a low level owing to the decrease of house wife's income, though the husband's income keep growing. Stage 3; Owing to the increase of husband's income, the cost of living as well as the total income keeps growing but the savings are on the decrease. Stage 4; Compared with Stage 3, the total income tends to be on a low level but the living expenses are on the increase. Stage 5; The husband's income is on the highest level in the stages of family life cycle. The total income and the living expenses are on a high level. Stage 6; The income of husband and housewife are on the remarkable decrease but the children's income is on the increase. Stage 7; Owing to the increase of the children's income and the income from property, the total income is on the highest level in the stages of family life cycle. 3) Considering the effect of socio-anthropological variables on the conditions of household-economy, family system has an significant effect on children's income. the husband's occupation exerts a significant effect upon the housewife's and children's income. The husband's schooling exercises an effect upon the children's income. S.E.S has a important effect on the income of husband, housewife and children. From the above results, it is found that the change of household-economy conditions is incidental to the progress of family life cycle. Therefore, a suitable measure to cope with the desire of family and the conditions of household-economy should be prepared, in order to carry on a reasonable home management.

• International Journal of Human Ecology
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• 제9권1호
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• pp.81-95
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• 2008

This paper examined the impact of psychological characteristics of consumers on household debt decisions. With the use of the Heckit models (the traditional approach to the selection problem) this study undertook an empirical study of the influence of a wide range of factors on financial decisions. This study used U.S. household-level data that offers detailed information on household debt, expectations about future income, expectations about future economic conditions, the amount of financial risk the respondent was willing to take, and the amount of time allotted for planning family savings and spending. This study showed that respondents with both substantial financial risk tolerance and positive expectations about future income were likely to have larger household debt showing that researchers and policy-makers need to consider consumer sentiment and preference measures in modeling behavior in credit markets. Additional results showed that household debt is significantly related to two key economic variables: income and net worth.

• 대한가정학회지
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• 제20권4호
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• pp.125-132
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• 1982

The purpose of this study was to see that how about the variables of homemaker's age, marital periods, children numbers, homemaker's employment, family types, house types, family income, homemaker's education level, and the convenience of kitchen and laundry influence on homemaker's household preferences. On this study, the household tasks were classified into the tasks on Care of clothes, Mal preparation and clean-up, Care of the house, Care of the family members, and Marketing and record keeping. Questionaires were given to randomly selected homemakers in Busan in July, 1982. Data from the 736 respones were analyzed according to Multi regression and T-test. The results were as follows: 1. The variables affecting the homemaker's household preferences were marital periods, family income and the convenience of kitchen and laundry. Longer the marital periods, higher the family income and more feeling the convence were taken higher preferences on household tasks. 2. The variable of age was less significantly related to the homemaker's household preferences than the marital periods. 3. The variable of house types was less significantly related to the homemaker's household preferences than the convenience of kitchen and laundry.

• 가족자원경영과 정책
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• 제1권1호
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• pp.101-115
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• 1997

This study was designed to examine the socialization of household work utilizing ecological theory. The main purposes were to identify the socialization level, and to predict the socialization of household work in term of the selected variables. The sample was drawn from housewives of expanding stage of family life cycle in Seoul. 518 respondents were analyzed using SPSS/PC+ statistical package. The results of this study were as follows: 1. Among the variables of food area, education of housewife, type of housing, family income, number of children had significant influence. 2. Among the variables of clothing area, family income was the only important variable. 3. Among the variable of housing area, number of household equipment, number of aids for household work, education of housewife, family income, attitude of housewife’s role, number of aids for household work had significant influence. 4. Among the varables of home management area, number of household equipment, family income, self control had significant influence. 5. Among the environment variables of household work, social-cultural environment had the most important effect on the socialization of household work.

• 분석과 대안
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• 제4권1호
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• pp.105-123
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• 2020

This study analyzes the risk selection behavior of Japanese households. The study approaches the view of 'the hyperbolic discount' which is used in behavioral economics based on the rise in mortgage lending by low-income households in the late 2000s. The study focuses on how households risk preferences vary by income levels. The study analyzes the relationship of attitude of household interest rate risk using Binomial Logistic and Heckman two-step estimation method assuming that there are only two types of Adjustable-Rate Mortgage and Fixed-Rate Mortgage. As a result of the empirical analysis, low-income households annual income tend to have a higher proportion of housing debt as same as higher interest rate risk preferences households in proportion to income growth and interest rate risk preferences. Those results indicate that there is possibility of a hyperbolic discount on low-income households in Japan, and support the hypothesis that low-income households are relatively higher household debt ratio because of high utility due to home purchase in the near future (short-term).

• 가정과삶의질연구
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• 제29권4호
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• pp.125-145
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• 2011

The purposes of this study were to examine low-income households' financial statuses and the socio-economic characteristics of single-person and non-single person households according to the financial indexes used for evaluating financial security and growth status developed based on financial ratios. Using 2009 KLIPS(Korean Labor & Income Panel Survey) data collected by the Korean Labor Institute, the satisfaction levels from the indexes were analyzed and compared between the two household types. The results showed that 46.0% of single-person households were not satisfactory in terms of all financial growth indexes but were partially satisfactory in terms of all financial security indexes. These householders tended to be females and in the their 70s, who lived in Seoul or in a suburb of Seoul, Korea. They reported problems with a lack of financial growth possibilities. 47.0% of non-single person households were not satisfactory in terms of all financial growth indexes but were partially satisfactory in terms of all financial security indexes. These householders tended to be males in their 60s and 70s with no job who were living in Seoul or in a suburb of Seoul, Korea. They reported having low level of liquidity and high level of debt redemption. 42.6% of single-person households were not satisfactory in terms of both financial security and growth indexes partially. These householders tended to be females in their 20s or 70s who were living in rural areas. They reported problems related to an adverse balance between household income and expenditures and a large scale of debt. 43.1% of non-single households were not satisfactory in terms of both financial security and growth indexes partially. These householders tended to be males in their 60s or 70s and homeowners. They reported problem related to an adverse balance of household income and expenditures and high a level of housing expenditures and liquidity. The research findings have implication for policy makers considering financial support programs and welfare programs for low-income householders, considering the recent changes in households structures.