• 한국가정과교육학회지
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• 제27권4호
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• pp.121-140
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• 2015

본 연구의 목적은 '소비생활' 영역의 분석준거를 설정하여 2009 개정 교육과정에 따라 집필된 중 고등학교 기술 가정 교과서와 타 교과 교과서의 중복된 내용 요소를 비교 분석하여 궁극적으로 가정과 교육에서 '소비생활' 영역의 효과적인 교육을 위한 자료를 제시하는 데 있다. 기술 가정 교과서와 타 교과 교과서의 '소비생활' 영역 내용 중복요소를 파악하기 위하여 2009 개정 교육과정에 따라 집필된 중학교 "기술 가정 I II", "사회 I II", "도덕 I II", 고등학교 "기술 가정", "사회", "생활과 윤리"교과서를 개발된 분석 준거로 내용 분석하였다. 본 연구의 분석 결과는 다음과 같다. 첫째, '소비생활' 영역을 중심으로 2009 개정 교육과정에 따라 집필된 중학교 기술 가정 교과서와 타 교과(도덕, 사회) 교과서 내용의 중복 내용을 분석한 결과, 기술 가정, 도덕, 사회 교과서 순으로 '소비 생활' 영역에 대한 내용이 제시되었으며 중학교 기술 가정, 도덕, 사회 교과서에 공통적으로 제시된 중복 상세 요소는 '소비자 정보', '소비의 경제적 영향', '식생활과 지속가능성', '소비와 지속가능성'이었다. 둘째, '소비생활' 영역을 중심으로 고등학교 기술 가정 교과서와 타 교과(사회, 생활과 윤리)를 분석준거에 따라 내용 분석한 결과, 교과서별 '소비생활' 영역 교육내용의 비중은 기술 가정, 생활과 윤리, 사회 교과서 순으로 높은 것으로 나타났으며, 세 교과서에 공통적으로 포함된 중복 내용 요소는 '식생활관리와 소비환경', '소비욕구', '소비의 경제적 영향', '소비문화의 변화요인과 특징', '소비와 지속가능성'이었다. 가정 교과서의 '소비생활' 영역은 학습자인 청소년 소비자가 실제 일상생활에서 교과 내용을 적용할 수 있도록 소비생활에 대한 구체적인 교육 내용을 다루고 있다는 강점을 지니며 교과 특성상 의식주생활을 포함한 전반적인 '소비생활' 영역을 다루고 있으므로, '소비생활' 영역 교육에 있어서 중심적인 역할을 할 수 있을 것이라고 사료된다. 본 연구 결과를 바탕으로 향후 가정과 교육에서의 '소비생활' 영역 교육은 교육 내용의 학년별 연계성을 고려한 체계적인 단원 내용 구성을 통해 중복 내용 요소를 줄이고, 청소년들이 실제 소비생활에서 발생하는 문제를 해결할 수 있는 능력을 키우고 청소년들이 미래 사회의 합리적인 성인 소비자로 성장할 수 있도록 도움을 주는 '소비생활' 영역 교육이 이루어져야 한다.

• 한국농촌생활과학회지
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• 제6권2호
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• pp.173-183
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• 1995

On the basis of intertemporal utility maximization theory and stock-adjustment hypothesis, a multivariate stock-adjustment credit demand model, which included on- and cross-adjustment effects of credit and cross-adjustment effects of assets was developed. With weighted four-year panel data from 1983 and 1986 Surveys of Consumer Finances, the theoretical model was tested using two-stage estimation method for tobit model. The results supported the hypothesis that, in general, the household demand for a certain type of credit was related to the demand for other types of credit and asset components in the portfolio. The household demand for mortgage credit, installment credit and revolving credit card debt depended not only on the disequilibrium of itself but on the disequilibrium of the other types of credit and asset components in the portfolio. The household demand for non-installment credit was related not to the disequilibrium of itself and other types of credit but to the disequilibria of asset components in the portfolio.

• 무역상무연구
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• 제15권
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• pp.59-87
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• 2001

In recent years electronic fund transfers covered by the Electronic Fund Transfer Act 1978 for consumer protection and the Article 4A of Uniform Commercial Code(U.C.C.) 1989 for wholesale electronic payments in United States. Electronic fund transfers carried out by use of a wire transfer network, automated clearing house, or other communication system of a clearing house or other association of banks such as direct deposit, Fedwire, automated teller machine, point-of-sale, and credit card transactions have been increasingly common in consumer transactions and wholesale transactions. Especially, the Article 4A of U.C.C. governs the rights and obligations associated with transactions such as an issue and acceptance of payment order, execution of sender's payment order by receiving bank, and payment. These legal frameworks in connection with electronic fund transfers in United States can play a leading role in establishing model not only within the United States, but also as a basis for developments of electronic commerce law in Korea including other countries.

• 한국생활과학회지
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• 제19권5호
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• pp.845-855
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• 2010

This study examined the variables that affect whether consumers change broadband internet services by examining their past experiences and intention to switch carriers by targeting consumers who have switched broadband internet service providers. Among adult consumers who intended to switch broadband providers, 341 people who had experience were subject to logistic regression analysis using SPSS for Windows ver. 17.0 to examine frequencies, means, percentages, and factor analysis. The following results were revealed. First, the targets were currently using broadband internet service in the order Company S > Company L > Company K > others. Excluding the others, Company K had the most conversions (from 96 to 78), followed by Company S (from 107 to 97), and Company L (from 43 to 97), which more than doubled the number of subscribers. The reasons for switching carriers in the past were as follows: for Company K, consumers switched to other companies because of unsatisfactory fee services; for Company S, consumers switched to other companies because of quality, advertising and promotional activities, and commitment periods ending; for Company L, the consumers switched to other companies because of fee, quality, and service; and for other companies, the consumers switched to other services because of unsatisfactory quality. Second, the analysis of the elements that determined whether a consumer will switch broadband internet service providers showed that college graduates and individuals who had switched carriers voluntarily in the past were more likely to switch to a new broadband internet service provider. Furthermore, passive consumers had a higher probability of switching. Moreover, when consumers were less satisfied with the fees and services, there was a greater chance of switching to another company.

• 산경연구논집
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• 제10권7호
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• pp.49-58
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• 2019

Purpose - Previous studies on the influence of appeal types of advertising messages on pro-social behavior have shown inconsistent results. The purpose of this study is to examine whether the appeal type of advertising affects consumer's prosocial behavior. In particular, the authors investigated whether the social exclusion moderates the relationship between the appeal type of advertising and prosocial behavior. Research design, data and Methodology - To verify the hypothesis, two experimental study were conducted. The experimental study was 2(appeal type : self-benefit vs. other-benefit) by 2(social exclusion : being ignored vs. being rejected) between-subject design. Participants were randomly assigned to one of four conditions. The experiment was conducted using a computer. First, the participants was exposed to the advertising image used in the social campaign, and then responded to questions about social behavior. The participants completed the experiment after further responding to the item for manipulation check and demographic measure. The experiment took about 10 minutes in total. Results - In Study 1, a global warming campaign with participation intention variable, other-benefit ads rather than self-benefit ads drive consumers who feel socially rejected to be more willing and likely to participate, but consumers who feel socially ignored are more likely to participate the campaign in self-benefit ad than other-benefit ad. Study 2 replicates the findings, a child poverty relief campaign with an amount-to-donate variable: consumers who feel explicitly rejected allocate more dollars to the charity in response to other-benefit rather than self-benefit ads, but consumers who being ignored are willing to donate more money. Conclusion - This study has theoretical contribution in that it expands existing theories by explaining the existing inconsistent results of the message appeal influence on pro-social behavior through new control variables. In addition, the results have important managerial implications, suggesting marketers should tailor their marketing message to match the consumer situation.

• 한국의상디자인학회지
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• 제24권3호
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• pp.33-48
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• 2022

This study aimed to investigate bag purchase behaviors according to materialism value. The subjects were 443 male and female adult consumers in their 20s to 50s. The research method was a survey, and the questionnaire consisted of questions on materialism value, bag purchase behaviors, and demographic characteristics. For data analysis, descriptive statistics, Cronbach's α, χ² test, factor analysis, cluster analysis, ANOVA, and Duncan's multiple range test were performed. The results of this study were as follows. First, materialism value was derived from three factors (happiness pursuit, possession-oriented, and success judgment). Second, subjects could be divided into three groups (happiness pursuit group, success judgment pursuit group, and immaterialism group) based on the materialism value variable. Third, the derived groups showed many differences in bag purchase behaviors. The happiness pursuit group considered all bag evaluation criteria factors (practicality, aesthetics, economy, symbolism) and bag purchasing information sources factors (mass media and personal sources) more than other groups, and showed a tendency to prefer select shops and complex shopping malls as bag purchasing places. In addition, the average annual cost and frequency of purchasing bags of this group were higher than those of other groups. The success judgment pursuit group considered symbolism as a bag evaluation criteria more than other groups, and considered personal sources as bag purchasing information sources more than mass media sources, and preferred luxury stores and department stores as bag purchasing places. On the other hand, the immaterialism group considered practicality and aesthetics as bag evaluation criteria and placed less importance on all information sources than other groups, and preferred Internet shopping malls as purchasing places. This group had the lowest average annual purchase cost and frequency among the three consumer groups. This study suggested that materialism value is a useful variable to segment male and female adult consumer markets effectively, and to understand the bag purchase behaviors of consumer groups divided by materialism value.

• 유통과학연구
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• 제20권11호
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• pp.47-59
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• 2022

Purpose: The study aims to synthesize research trends regarding the distribution of 'other customer perception' on 'brand experience'; concurrently, to identify the promising research directions and suggest useful for managers. Research design, data, and methodology: The paper deals with the distribution of 'other customer perception' on 'brand experience' through evaluating a systematic review combined with biological mapping analysis (VOS viewer) with 226 documents published in 142 journals from 1987 to 2021. Results: The study synthesizes and analyzes existing literature reviews on the distribution of 'other customer perception' on 'brand experience', which mainly highlights three research topic groups. Exploring the component of relationship should be considered in the brand experience scale when the research context is the social interactions surrounding the customer's purchasing process. Moreover, the presence of mindfulness in several publications has suggested a potential research direction in the consumer behavior field. Conclusions: The systematic reports can be a useful reference for managers towards building brand experience based on distribution of 'other customer perception' with moderating of mindfulness - a new finding of behavioral interaction that has just experienced the Covid-19 pandemic which is experienced directly at the store and lead to many changes in consumer psychology.

• 대한가정학회지
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• 제41권10호
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• pp.185-198
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• 2003

Fashion is a field that responds sensitively to social and cultural atmospheres, brings about constant change due to consumer demand for new items in new fashion trends and in the latest design. The fashion industry tries to predict what kind of clothing the customers desires and produces fashion products according to trend information stated by fashion information services. This research analyses the relativity between the trends stated in the fashion information books and what consumer accept, and with this information find the application of trend information books in the planning of domestic woman's clothing. The used information books were based on Samsung Fashion Institute and Interfashion Planning, Inc. The 02/03 F/W season emphasized restoration-romantic, nostalgic mood themes. Fashion trend information and consumer acceptance condition tend to concentrate on trend themes given tv fashion information companies. In other words, $Sincere\;girl(39.04\%){\to}Frontier\;girl(34.92\%){\to}Dark\;lady(18.43\%){\to}Lady\;belle(7.59\%)$ in this order Also when looking into the consumer's wearing, no one theme appears by itself and the themes are mixed accordingly to one's lifestyle and sensibility. Accordingly fashion information organizations must provide precise fashion trends according to consumer sensibility & consumption and also compare trend information to consumer fashion trends each season. With this precise information the planned design plans will help the domestic fashion markets, which are gradually overrun by foreign brands, develop a unique and original fashion product that meets consumer sensitivity needs, and develop a new stepping stone for fashion companies and the relative fashion industry and furthermore contribute to the advancement of overseas markets.

• 한국의류학회지
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• 제30권9_10호
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• pp.1400-1412
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• 2006

As PB market segments into premium market, PBs were drawing attentions in terms of creating profits as well as a means to differentiate building up store identity. The purpose of this study makes a comparative study on the difference of consumer attitude formation process in discount store and home-shopping distribution channel which are recently on the upswing. This paper investigated the consumer's attitude formation on the private apparel brand. Subjects of this study were consumers in their $20s{\sim}40s$ who are main customer groups of PBs. The data were analyzed by Structural Equation Modeling and Multi-Group Analysis of Amos 5.0 to verify the difference of the path between store PB and premium PB. Following are the results of the study. Consumer attitude formation path on PB grades showed statistically noticeable difference. In discount store PB, store evaluation didn't directly influence on consumer attitude formation but showed indirect effect. On the other hand, in home shopping premium PB case, product evaluation directly influenced on consumer attitudes with store evaluation. Hedonic attitude dimension connected with behavioral attitude(purchase intention) revealed difference in path. Also consumer's evaluation on variables in model turned out to be different according to brand grade.

• 가정과삶의질연구
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• 제27권2호
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• pp.139-153
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• 2009

This study examined the conspicuous consumption and consumption tendencies of the adolescent consumer and also identified factors that influence the adolescent consumer's conspicuous consumption and consumption tendencies. The data were obtained from a questionnaire completed by high school students(N=679), and were analyzed by ANOVA, and multiple regression analyses. The findings of this study are as follows: First, both the consumption tendencies and the conspicuous consumption of adolescent consumers were above average. Second, the consumption tendencies of adolescent consumers were related to the allowances they received. In particular, the consumption tendencies of adolescent consumers who spent allowances of more than won 20,0000 were higher than those of the other groups. In addition, the propensity for conspicuous consumption was related to the education level of parents, the parents' income, and the amount of the adolescent's allowance. Conspicuous consumption was shown to be higher when the parent's had graduate or postgraduate school degrees than when the parents were high school graduates. Although higher income was related to the propensity for conspicuous consumption, adolescent consumers who spent won 10,0000-20,0000 were more likely to exhibit conspicuous consumption than those who spend over won 20,0000. Third, the variables that had the most influences on consumption tendencies were commercials watched and the adolescent's group of friends, while the most effective variables that had the most influence on conspicuous consumption were consumption tendencies and consumer education level.