• 한국생활과학회지
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• 제14권1호
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• pp.95-105
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• 2005

This study examined the factors affecting college students' money management behaviors according to credit card usage. The data were collected from 481 college students in Busan and Gyeongnam areas by a self-administered questionnaire. Frequencies, Cronbach's Alpha, factor analyses, t-test, Pearson's correlation analysis, and regression analyses were conducted by SPSS WINDOWS. The results from this study were as follows. First, there were significant differences between credit card usage group and non-usage group in the means for future preparation, stingy attitude, and planned expenditure. However, there was no significant difference in the mean of money management behaviors. Second, for the credit card usage group, the significant variables affecting money management behaviors included sex, grade, experience of consumer education, father's occupation, monthly household income, future preparation, stingy attitude, methods of emotional change, planned expenditure, and negative recognition. On the other hand, for the non-usage group, grade, experience of consumer education, father's occupation, way of success, future preparation, stingy attitude, planned expenditure, and conditional permission were significant. These results imply that financial management education including values about money and consumption patterns should be conducted.

• 한국생활과학회지
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• 제11권3호
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• pp.237-247
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• 2002

The purpose of this study was to compare the attitudes and behaviors toward money among college students after and before IMF economic crisis. The subject of investigation consists of 389 students in the year of 1995 and 112 students in the year of 2000 in Wonkwang university. The major findings are as follows: 1) The exploratory factor analysis of money attitudes and behaviors scale drew four factors such as; power, obsession, money management and pleasure. 2) Male students have a tendency more likely than females not only to look upon money as power but also to have an obsession before IMF economic crisis. But gender differences were disappeared after. 3) In comparison of the before and after IMF economic crisis, the behavior value in reference to money is generally increased. The social power and the cognitive attitude like an obsessional increased smaller than that of a practical such as money management or pleasure. The pleasure is raised the largest. 4) The level of attitudes and behavior for money management is raised the most for female students while, the value of the pleasure has the greatest increase for male students rate.

• 한국가정과교육학회지
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• 제22권1호
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• pp.79-96
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• 2010

본 연구의 목적은 청소년의 가족건강성에 따른 금전사용양식과 금전관리행동의 차이를 검증하는데 있다. 자료분석에는 고등학생 914명이 응답한 설문지를 사용하였으며, 통계분석방법으로는 신뢰도계수(Cronbach'$\alpha$) 산출, t검정, 일원분산분석과 사후검정으로 Duncan의 다중비교분석을 실시하였다. 연구결과는 다음과 같이 요약할 수 있다. 조사대상 청소년의 기족건강성 점수는 3.36(5점 만점)으로 중간정도의 성향을 보였다. 금전사용양식은 안정형, 과시형, 무관심형으로 구성되었으며 무관심형의 평균이 3.33, 안정형은 3.01, 과시형은 2.91이었다. 금전관리행동은 계획, 수행, 평가, 저축으로 이루어졌으며, 계획이 2.81점, 실행이 2.87점, 명가가 2.90점, 저축이 2.50점으로 나타났다. 가족건강성이 높은 청소년은 금전을 통해 안정을 추구하는 경향과 과시를 추구하는 경향이 높았다. 청소년의 가족건강성 지각은 자신의 금전관리행동에도 유의한 정적 차이를 나타내어 자신의 가정을 건강하게 지각할수록 합리적인 금전관리행동을 하였다.

• 대한가정학회지
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• 제39권10호
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• pp.125-140
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• 2001

The purpose of this study was to examine the children's money managment behaviors and to find out the factors affecting them. The data were collected from 507 elementary school students in Kimhae-city. Frequency distributions, Cronbach's Alpha, Pearson's correlation and regression analyses were used by SPSS Windows. The major findings from this study were as follows; (1) many children were provided with allowances by their mothers, knew their amount of allowances before they received them, and used allowance for taking snacks, (2) the factors affecting allowance planning were the source of allowances, parents' guidance before using allowances, satisfaction of the amount of allowances, the amount of watching TV, and parent-child communications about consumption, and (3) the source of allowances, recognition of the amount of allowances before children received them, parents' guidance before using allowances, parents' check after using allowances, and satisfaction of the amount of allowances had influence on the record of a cashbook and evaluation.

• 가정과삶의질연구
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• 제14권3호
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• pp.211-222
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• 1996

The purpose of this study is to classify the expenditure behaviors of housewives into some types and to identify the characteristics of the types focucing on diverse expenditure behaviors of urban households. In this study it is assumed that the expenditure behaviors are classified by there factors-(1)the orientation of money saving (2)the orientation of time saving and (3)the orientation of others. The present study suggests following three questions. (1). Can the expenditure behaviors of urban housewives be classified according to the orientation of money saving the orientation of others? (2) What distictions exist among the types? (3) Which variables are useful in classifying the expenditure behaviors? For empirical analysis the data of the study was collected from 650 housewives living in Seoul. The statistical methods adopted for data analysis are frequency percentage mean Pearson's correlation coefficient factor analysis cluster analysis one way ANOVA Duncun's multiple ran e test and discriminant analysis. As the major findings 4 types were extracted, According to the level of each dimensions the names for the each type were given as "the type of attaching importance to money saving" "the type of attaching importance to time and appearance" "the type of attaching importance to money saving and time" "the type of attaching importance to money saving and time" "the type of attaching importance to money saving and time" "the type of attaching importance to money saving and appearance" In "the type of attaching importance to money saving" the significant portion of housewives have high school degrees and compared with other types this type includes more husbands having sales and service job 55% of housewives of "The type of attaching importance to time and appearance" have graduate or higher degrees. The significant part of earned incomes range from 3 million won to 5 million won. The rate of housewives employed in the professional job is higher than other types. In "The type of attaching importance to money saving and time" the rate of the employment of housewives in this type is the highest among the types. In "The type of attaching importance to money saving and appearance" the significant portion of housewives have graduate degrees. In the jobs of he spouses the management job is major. The consciousness of belonging to the middle class is higher than other types. In this type the level of education is high but that of income is not. The result of the discriminant analysis says that the earned income and the consciousness of belonging to a calss are the most critical variables to classify the expenditure behaviors into 4 type The accuray of the classification of the discrimination equation composed of these variables is 47,5% The accuracy is improved by 10%.

• 한국생활과학회지
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• 제8권1호
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• pp.45-62
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• 1999

The purpose of this study was to investigate the money management behavior of adolescents and to examine the demographic variables and consumer behaviors which influence the money management. The subjects were 347 high school students in Chonju, Korea. The main results were as follows; 1) The mean score of the money management behavior of adolescents were 3.06. Among the variables, evaluating showed the highest score, and implementing was the second highest score. 2) The significant variables which influence the money management for adolescents were application of the information sources, sex, reference group, participation of the financial decision-making for the family, number of the siblings, tendency for materialism.

• 한국생활과학회지
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• 제17권3호
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• pp.457-467
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• 2008

The purpose is to explore elementary students' attitudes towards money and the effects of parents' educational involvement on children's economic behaviors. The subjects are elementary students(N= 123) from first grade to sixth grade. The survey consists of question items of money ethics, attitudes towards money, consumer ethics, parents' attitudes toward economic education, and children's economic practices such as management of allowance, income, saving and savings account. The results are as follows: first, the elementary students show the double standard in attitudes to money, thinking of money as positively being important, at the same time, as being negative social value. Second, the parents play positive models in children's economic education. However, their efforts are not enough so that their children could have desirable economic habits. Therefore, economic education is first needed for the parents and then for children.

• 대한가정학회지
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• 제43권7호
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• pp.79-91
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• 2005

The purpose of the study was to examine the current status of financial management behaviors of college students and to determine the affecting factors. The data were collected from 481 college students in Busan and Kyungnam areas by a self-administered questionnaire. Frequencies, Cronbach's alpha, factor analysis Pearson's correlation analysis and regression analyses were conducted by SPSS WINDOWS. The results from this study were as follows. first, the mean of preparation for the future was the highest among 5 dimensions of money attitudes, whereas the mean of the ostentatious means was the lowest. In addition, the college students showed good practices in drawing up shopping lists, budgeting, and keeping receipts, but bad practices in short-term and long-term planning. Second, many factors such as gender, grade, mother's education, fathers' occupation, and mothers' occupation were significant in the regression analyses for the financial management behaviors. Especially, money attitudes and experience of consumer education were significant in many categories of financial management behaviors. In combination, these results suggest that financial management education for college students should be conducted, and that contents related to value should be included in the education program.

• 한국가정과교육학회지
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• 제14권1호
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• pp.55-73
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• 2002

The purpose of this study was to investigate the body cathexis and appearance management behaviors of the high school girls according to their demographic, physical, psychological. and school related variables. Data was obtained from 378 high school girls in Jeonju City by self-administered questionnaires from March to April. 2001. The results of this study were; 1. Body cathexis of high school twirls was relatively low, face and upper body cathexis were higher than other body parts. but lower-body and total body cathexis were low. 2. Body cathexis of high school twirls was in exact proportion to their parents' educational level total household income. and monthly pocket money. And it was higher in case of tall. light. external personality. higher self-esteem, art or physical high school girls. and the vocational high school twirls. with good academic records. and popular among friends. 3. High school girls showed higher appearance management behaviors such as bath, skin care. hair care. but they did risky appearance management behaviors such as drug use. diet. plastic cosmetic a tittle. The students in case of mother's higher educational level. more monthly income of household, more pocket money. external personalities. lower self-esteem, art or physical high school girls and the vocational high school girls, with good academic records, popular among friends showed higher appearance management behaviors .

• 가정과삶의질연구
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• 제23권5호
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• pp.103-122
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• 2005

The purpose of this study was to examine the influences of their money attitudes to spending behaviors of middle, high, and college students. The total number of students selected for this study were 1,252. Factor analysis, Cronbach' ${\alpha}$, two-way ANOVA, Duncan' multiple range test, Pearson correlation analysis, and multiple regression were used for statistical analysis. The results were summarized as followings: 1) The tendency of attitude that money is good was highest. Also, the tendency of attitude that money represents freedom and power was slightly high. On the other hand the attitudes that money represents achievement, and that money is evil were low. Especially the attitude that money represents respect was lowest. 2) Resulting from two-way ANOVA, the attitudes that money is good and represents achievement showed significant interaction effects between sex and age. The altitude that money is good showed significant differences by sex especially among middle and high school students. The altitude that money represents achievement showed significant differences by age among the male students. Three types of attitudes that money is evil, money represents respect, and money represents both freedom and power showed significant main effects in different age groups. Also the attitude that money represents freedom and power showed significant main effect by different sexes. 3) Four different types of measuring spending behaviors scored slightly low mark. 4) Resulting from two-way ANOVA, four different spending behaviors showed significant difference only by sexes and ages. Planned spalding behavior and conscious spending behavior showed significant differences in ages and sexes separately. While impulsive spending behavior by different age groups resulted in significant differences. Excessive spending behavior by sexes resulted in significant differences. 5) Regression analysis showed that planned spending behavior had the linear relationships in no, sex, self-esteem, and attitude that money is good. Conscious spending behavior had the linear relationships in ses, and attitudes that money represent achievement. respect, and freedom. Impulsive spending behavior had the linear relationships in age, self-esteem, and attitudes that money is good and that money is evil, and attitude that money represent freedom, Excessive spending behavior had the linear relationships in sex, self-esteem, and attitudes that money represent achievement, respect and freedom.