• 가정과삶의질연구
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• 제11권2호
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• pp.69-82
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• 1993

Financial stability of households is the basic and most important factor of the quality of life. It affects emotional psychological mental and social aspects of family personal develop-ment and family healths etc. This study investigated and analyzed the data on financial stability of households. The data collected through the self-administered questionnaire from 466 house-holds in Kwangju area were analyzed. As statistical methods Frequency Percentile. Anova Duncan-test and Regression analysis were used. The results obtained are as follow: Education job status housing tenure type numbers of income source assets income and income flexibility have positive effects on financial stability. Especially numbers of income sources has most important effect. Significant correlation coefficients between financial stability and economic pressures mental healths financial satisfaction life satisfaction and coping behaviors were revealed respectively To improve the quality of life financial stability of household is severely considered. To be financially stable providing various income sources is more desirable than having regular and fixed income.

• 가정과삶의질연구
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• 제15권3호
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• pp.125-138
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• 1997

The major purpose of this research was to investigate the relationship of employed and unemployed wives' financial management behavior and financial well-being on the basis of the family resource management system theory. The data were obtained from 660 wives who lived in Seoul 1996. Major findings of this study were as follows: 1. Regardless of the wives' employment status marriage duration and level of wives' education negatively influenced objective financial well-being in the case of unemployed wives but one in the case of employed wives. 2. Both unemployed and employed wives locus of control over their financial situation positively influences subjective financial well-being 3. It was found that personal and managerial factors had effect on subjective financial well-being both for unemployed and employed wives. The path model designed in this research was found to be proven for unemployed but not for employed wives.

• 가족자원경영과 정책
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• 제16권4호
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• pp.131-152
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• 2012

The aims of this study were to analyze middle-aged households' financial preparation for retirement. Specifically, this study surveyed the relation between human capital investment for children and the middle-aged households' financial preparation for retirement and investigated factors influencing financial preparation for retirement. Data were obtained from the 3rd Korean Retirement and Income Study (KReIS) in 2009, and a sample of 757 households was selected. The statistical methods were frequency, percentile, mean, standard deviation, ${\chi}^2$, t-test, Pearson's correlation coefficient, and logistic regression analysis. The findings of this study are as follows. First, the percentile of preparation for living costs for old age was 49.9% for the middle-aged households. In terms of the types of preparation for living costs for old age, the results showed 61.6% of personal preparation, 33.9% of pension system, and 1.3% for children and relatives. In relation to the adequacy of the preparations for living costs for old age, preparations made by 57.4% of the middle-aged households were inadequate. Observing the minimum living costs for old age and adequate living costs after retirement for single and couple, the minimum living costs of the middle-aged households was 1.46 million won for couple and 0.91 million won for single. The adequate living costs for old age was 2.07 million won for couple and 1.34 million won for single. Second, there were 757 households with total education expenditure. Of these, 208 incurred annual expenditure on public education, and the annual expenditure for public education was 7.28 million won. There were 170 households with annual expenditure for private education, and the annual expenditure for private education was 2.50 million won. 243 households of middle-aged households had annual expenditure for human capital investment, including both public and private education, with annual expenditure for human capital investment for children of 7.82 million won. Furthermore, in the human capital investment factor, there was a difference in the middle-aged households' financial preparation for retirement according to their annual expenditure for human capital investment including both public and private education. In addition, there was a difference in financial preparation for retirement based on their public education expenditure. Third, in the logistic regression model 1, which included human capital investment, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and human capital investment. In the logistic regression model 2, which included annual expenditure for public education and annual expenditure for private education, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and annual expenditure for public education.

• 한국가정과교육학회지
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• 제29권4호
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• pp.49-64
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• 2017

본 연구는 청소년의 가족건강성, 공감능력과 행복감의 일반적인 경향을 알아보고, 가족건강성, 공감능력이 행복감에 미치는 영향력을 살펴봄으로써 이를 통해 청소년의 행복감을 증진하는데 도움을 주는 방향을 모색하고자 한다. 첫째, 청소년이 인식하는 공감능력은 '개인적 고통'을 제외한 '관점 취하기', '동일시', '공감적 관심'에서 중간 값 보다 높게 나타났으며 성별에 따른 공감능력의 차이를 살펴보면, 여학생이 남학생에 비해 전반적으로 공감능력이 높았다. 청소년이 인식하는 가족건강성은 하위영역 모두에서 중간 값보다 높게 나타났고, 성별에 따른 가족건강성의 차이를 살펴보면 '의사소통 및 유대'를 여학생이 남학생 보다 높게 인식하는 것으로 나타났다. 청소년이 인식하는 행복감은 중간 값보다 높게 나타났으며, 성별에 따른 차이는 나타나지 않았다. 둘째, 청소년의 행복감에 공감능력 중 동일시, 공감적 관심, 개인적 고통이 영향을 미치는 것으로 나타났고, 가족건강성의 하위변인 중 가족존중 및 애정, 역할공유 및 문제해결력, 재정적 안정이 영향을 미치는 것으로 나타났으며, 이들 변인들은 행복감을 39% 설명해 주고 있다. 따라서, 청소년의 행복감을 증진시키기 위해서는 건강한 가족관계 형성을 위한 가족관계 강화 프로그램을 활성화하고 공감능력 향상 프로그램을 개발하여 학교나 가정에서 지속적인 교육이 이루어져야 할 것이다.

• Human Ecology Research
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• 제60권4호
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• pp.549-564
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• 2022

This study aimed to develop an e-mentoring youth financial education program and verify its effectiveness for promoting financial empowerment and establishing financial capabilities among independent consumers. A four-session, eight-hour "Youth Financial Empowerment Mentoring Program" was developed. This program dealt with financial literacy and financial psychology factors in an integrated fashion. We used the nonequivalent control group pretest-posttest design to evaluate the program's effectiveness. Specifically, by using Zoom, a virtual conference platform, four mentors of college students were trained for four sessions over two weeks. Meanwhile, four groups were formed with four mentors and 18 high school mentees to implement a four-week e-mentoring program. As a result of the analysis of covariance, significant differences were found between the two groups in all financial psychology factors and financial literacy variables. In addition, the score of the experimental group was higher than that of the control group. As a result of qualitative evaluation through FGI for mentees and mentors, mentees experienced positive changes in financial behavior, beliefs, attitudes, and personal relationships, as well as increased financial knowledge. Meanwhile, mentors experienced positive changes in their introspection into financial behavior and consumption. Considering these results, we can conclude that this program effectively induces participants to learn and reflect on their initiative, which is in line with the original goal of "improving financial empowerment".

• 가족자원경영과 정책
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• 제13권4호
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• pp.73-93
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• 2009

The purpose of this study was to examine retirees' attitudes towards change of living standards. The data were drawn from the 2007 Korean Retiree Survey, as carried out by the Korean Investors Education Foundation. The major findings are as follows: 1) Some retirees were not well-prepared for retirement, i.e., they lacked financial consultation, had low personal financial literacy, and lacked sufficient wealth. Retirees suffered from health difficulties, loneliness or a sense of alienation, family conflict, or lack of pastimes. 2) Certain groups recognized the change of living standards for retirees as either positive or negative. Retirees who recognized the change of living standards as negative were not well-prepared for retirement, had low personal financial literacy, and lacked sufficient wealth. They also suffered from health difficulties, loneliness or a sense of alienation, family conflict, or lack of pastimes. 3) There was a strong probability for the negative recognition group not to be well-prepared for retirement, having low personal financial literacy, and lacking in sufficient wealth. There was a strong probability for the negative recognition group to suffer from health difficulties or lack of pastimes. Based on these findings, this research suggests that retirees should prepare for retirement with a positive attitude.

• 한국사회복지학
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• 제66권1호
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• pp.61-85
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• 2014

최근 들어 노인 빈곤층문제가 심각한 사회적 이슈로 대두됨에 따라, 중장년층 은퇴 전후 세대들의 소득과 소비를 중심으로 재정안정성 문제를 살펴보았다. '고령화연구패널조사'자료를 활용하여, 은퇴자그룹과 비은퇴자그룹을 나누고, 연령별 차이를 비교 분석하였다. 연구의 주요결과는 다음과 같다. 첫째, 은퇴자그룹의 개인총소득은 비은퇴자그룹의 개인총소득에 비해 소득이 3배 이상 낮았다. 둘째, '공적연금소득' 수급비율은 은퇴자그룹은 전체의 30%에 불과하고, 공적연금의 비중은 개인총소득의 40% 이하로 나타났다. '개인연금소득'은 두 그룹 모두 수급비율이 1%내외로 매우 낮은 것으로 조사되었고, 은퇴자그룹에서는 '사적이전소득'이 전체소득에서 차지하는 비중이 크다는 것을 확인하였다. 셋째, 소득이 줄어든 만큼 소비는 은퇴를 하더라도 크게 줄지 않기 때문에, 연령이 증가함에 따라 재정안정성이 낮아지는 것으로 나타났다. 넷째, 국가로부터의 노후생활 지원에 대한 기대감은 양 그룹 모두 낮은 것으로 조사되었다. 다섯째, 은퇴자그룹의 공적연금소득에 미치는 영향요인을 비은퇴자그룹 개인 총소득에 미치는 주요 요인과 비교한 결과, 성별, 연령, 학력, 건강상태가 주요 요인으로 나타났다. 본 연구는 은퇴 전후 세대의 노후소득보장을 위한 정부차원에서의 공적연금 확대와 개인연금 활성화 지원의 필요성을 제안한 점에서 기여도가 있다.

• 한국전문물리치료학회지
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• 제13권1호
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• pp.16-23
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• 2006

The purpose of this study was to investigate the relations between financial stress, depression, and conjugal affection and the motivation for rehabilitation. One hundred eighty-six stroke patients were included in the study and a survey with 65 questions was used. The survey includes questions to evaluate personal factors, characteristics related with physical therapy, characteristics related with disease, depression, conjugal affection, and motivation for rehabilitation. Education, employment, left hemiplegia and right hemiplegia, depression, financial stress, conjugal affection were statistically significant factors (p<.05). These variables have significant effects on motivation for rehabilitation. This study indicates that financial stress and depression need to be decreased to improve motivation for rehabilitation of stroke patients. It also indicates that the factors facilitating conjugal affection, education, and occupation need to be considered for rehabilitation programs.

• 가정과삶의질연구
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• 제29권4호
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• pp.17-33
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• 2011

The purpose of this study was to investigate diversity in the situations of multicultural families regarding the education of their children and to suggest rational ways of educating children in multicultural families. The participants in this study were 16 mothers from multicultural families typically characterized by an international marriage in which a Korean male had married a non-Korean female. The data were collected using intensive interviews over a course of three months and were analyzed by grounded theory. The results of this study showed that the participants had difficulty in adapting to the styles of educating children in Korean families and that they could not help their children do homework by themselves due to the limited personal relationships, the shortage of information about educating children, and an lack of organized education programs on Korean culture and history. Thus, they solved these problems by depending on different extracurricular activities and thus incurred a financial burden to support these activities. This led to excessive amounts of time and energy to earn the money to support the activities, which gave them few opportunities to acquire information on educating children by, for example, meeting with others. This explained their dependency on different extracurricular activities so as to solve the problem of their educating children. In an effort to seek ways to break this vicious circle, this study emphasized that policies related to educating children in multicultural families should focus on helping multicultural families strengthen their abilities to educate their children fundamentally.

• 산업진흥연구
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• 제8권2호
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• pp.21-27
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• 2023

본 연구는 인공지능에 대한 정부와 금융권의 정책 및 활용 사례를 연구하고, 금융권의 향후 정책 과제를 도출 하고자 한다. Gartner에 따르면 2022년 금융업을 이끌어가는 주목할 기술로 '생성형 AI', '자율시스템', '프라이버스 강화 컴퓨테이션(PEC)'을 선정하였다. 금융권은 인공지능, 빅데이터, 블록체인 등 신기술의 발전으로 금융 부분의 혁신을 촉진하고 있다. 코로나 팬데믹 이후 재택근무의 확산 등으로 인한 데이터의 공유, 개인정보 보호 등의 관심이 높아지면서 디지털 신기술에 대한 기업의 변화가 기대된다. 글로벌 금융권 회사들도 디지털 신기술을 활용하여 상품 개발이나 기존 업무의 관리 및 운영에 대한 프로세스 혁신을 도모하고자 IT 비용에 대한 지출을 확대하고 있다. 금융권은 디지털 신기술을 활용하여 자금세탁 방지, 업무 효율성 제고, 개인정보 보호 강화 등의 업무에 적용하고 있다. 산업 간 경계가 사라지는 빅블러의 시대에 새로운 진입자들의 도전에서 경쟁 우위를 선점하기 위해서는 금융권들이 신기술을 업무에 적극 활용해야 한다.