• 제목/요약/키워드: Propensity

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A Study on Influence of Economic Preparation for Later Life after Retirement

  • KIM, Jong-Jin
    • The Journal of Asian Finance, Economics and Business
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    • 제7권5호
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    • pp.279-290
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    • 2020
  • This study examines how economic preparation for later life directly influences life after retirement. As people's life cycle is gradually getting longer, preparation for the later time with less economic activity after retirement is becoming more important. Thus, this study analyzes the factors influencing life after retirement. Data comes from the Korean Retirement and Income Study (KReIS) surveyed carried out by the National Pension Research Institute in 2015. The analysis includes Cronbach's alpha, Pearson Product Moment Correlation Coefficient and Sobel Test. This study confirms that voluntary retirement has a positive influence on life satisfaction. Results are in line with previous research about the relationship between voluntary retirement and retired life. When a person retires voluntarily, financial preparation can be made in advance for retirement. In case of involuntary retirement, people may experience a sense of loss in personal standing and financial difficulties due to the unexpected situation. Especially, early retirement from the main workplace leads to unstable later life. The study's policy recommendation, in particular, calls on government and businesses to agree on social responsibility for helping employees to retire in the predictable retirement time and, thus, enabling the retiree to decide all aspects of the path after retirement.

Group-affiliated Firms and Corporate Social Responsibility Activities

  • Lee, Woo Jae
    • The Journal of Asian Finance, Economics and Business
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    • 제5권4호
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    • pp.127-133
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    • 2018
  • Corporate social responsibility (CSR) is one of the strategies for managing firms' business activities but may have heterogeneity depending on ownership structures. This study investigates the association between group-affiliation and CSR activities. Drawing on a theory from the prior research, this study predicts that group-affiliated firms are less likely to invest on CSR activities. For instance, prior research finds that controlling shareholders expropriate the values of minority shareholders. As one of the motivations of investing on CSR activities is the harmonization among the stakeholders, it leads to the prediction that firms controlled by large shareholders are less likely to engage in CSR activities. Second, group-affiliated firms under poor financial performance benefit from other group members through sharing their financial resources. Thus, there is less incentive for managers of group-affiliated firms to increase their financial performance by conducting CSR. By leveraging firms listed in Korean stock market and CSR score from Korea Economic Justice Institute, the result shows that the group-affiliation is negatively related to CSR activities. The result is consistent in case of applying propensity score-matched sample. Based on the findings of this study, this paper contributes to the related literature by showing the significant association between group-affiliation and CSR decisions.

메탈릭 자카드 직물 물리적 성능평가 (Physical Performance of Metallic Jacquard Fabrics)

  • 강덕희;이정순
    • 한국의류학회지
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    • 제33권1호
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    • pp.149-159
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    • 2009
  • The purposes of this study are to evaluate physical performance of metallic Jacquard fabrics, and to contribute to the research and development of the women's suit made of the metallic Jacquard fabrics. First, eight fabrics were woven with two kinds of warp yarns(nylon and rayon) and weft yarn blended with various contents(0, 7, 14, 21%) of metallic yarn. Second, the mechanical properties were measured by using the KES-FB system, and physical properties such as tensile strength, tearing strength, abrasion resistance, drape, pilling, snagging, degree of crease resistance, flexural stiffness, specular gloss, folding endurance and electrostatic propensity were measured. The results were as follows. As the metal fiber content increased, bending, shear, thickness and weight increased, which imply low recovery of wrinkles. It means that metallic Jacquard fabrics enable to use as a memory fabric. 7% metallic Jacquard fabric showed a low value at total hand value, but there was little change. As the metal fiber content increased, tensile strength, tearing strength, drape coefficient, specular gloss and flexural stiffness increased, however the degree of crease resistance, electrostatic propensity and folding endurance decreased. The metallic Jacquard fabrics were excellent in snagging, abrasion resistance and pilling.

How Internet has Reshaped the User Experience of Banking Service?

  • Nam, Kiheung;Lee, Zoonky;Lee, Bong Gyou
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • 제10권2호
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    • pp.684-702
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    • 2016
  • The changes new technologies have brought to banking over the past decade are enormous in their impact on the ways of doing business and providing customer services, most notably in the areas of customer service channels. Banks have been trying to move away from the traditional, branch-based and costly staff-assisted channels toward self-assisted channels, i.e. internet banking and mobile banking, to drive down costs and improve customer loyalty. How internet and mobile have reshaped the user experience of banking service channel? To provide valuable insights for this question, this research investigates and compares customer's channel choice behavior and profit changes from bank's branch closure. Applying the propensity scoring matching method, the results of analysis demonstrates that the mobile channel can be a realistic alternative to conventional branches. Also, the reserch result shows banks can reduce conventional branches while experiencing a positive implications on their profits from the customers. Another significant implication from the research is, to accelerate the shift to digital channels, banks need to put more efforts on developing functions in the mobile channel that will allow friendly interaction with customers and consultation, such as video consultation, interactive chat, and location-based product recommendation.

중고(中古) 명품(名品) 사이트의 운영실태(運營實態)와 소비자(消費者) 특성(特性)에 관(關)한 연구(硏究) (The Study on Consumer in Second Hand Luxury Market)

  • 김희라;신혜원;이정욱;하오선;김태인
    • 패션비즈니스
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    • 제8권2호
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    • pp.15-25
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    • 2004
  • The purposes of this study were to review the management systems of internet web sites dealing with 'second hand luxury goods', examine purchasing motives and the level of satisfaction, and identify the differences of consumers' characteristics between purchasers and non-purchasers. 8 representative internet web sites were investigated. And 80 purchasers and 94 non-purchasers were surveyed using questionnaires. The data were analyzed using t-test and frequency analysis. The results were as followings: 1) Most purchasers of second hand luxury goods were women aged 20's. They used internet web sites to purchase real luxury goods more cheaply and were satisfied with their purchase behavior; 2) Both purchasers and non-purchasers of second hand luxury goods got high scores for the self-esteem and the propensity of materialism and conspicuous consumption which were above average. But both of them were less influenced by reference group; and 3) The propensity of materialism and the preference to name brands of purchasers were higher than those of non-purchasers.

직업훈련의 임금효과 분석: 「경제활동인구조사」를 중심으로 (The Impacts of Vocational Training on Earnings in Korea: Evidence from the Economically Active Population Survey)

  • 유경준;강창희
    • KDI Journal of Economic Policy
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    • 제32권2호
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    • pp.27-53
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    • 2010
  • 본 논문은 우리나라에서 직업능력 향상을 위한 교육훈련이 개인의 임금에 어떤 영향을 미치는지를 "경제활동인구조사" 자료를 통해 분석한다. 교육훈련의 내생성을 통제하기 위하여 실증분석 방법으로 (1) 고정효과 추정법과 (2) 성향점수 매칭법을 적용한다. 고정효과 추정법(매칭법)의 결과에 따르면, 지난 1년 동안에 이수한 교육훈련으로 인하여 개인의 월평균 임금수준은 평균 2.6~4.7%(7.5~9.8%) 정도 상승한다. 상이한 두 가지 추정방법의 분석 결과를 종합하면, 우리나라에서 직업능력 향상을 위한 교육훈련의 임금 상승효과는 평균 2.6~9.8% 수준인 것으로 추정된다.

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기업가특성이 벤처창업의지와 창업에 대한 자신감에 미치는 영향에 관한 연구 (A Study on the Proclivity for Entrepreneurship and Its Affect on the Venture Creation)

  • 이성진
    • 한국컴퓨터정보학회논문지
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    • 제11권5호
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    • pp.281-290
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    • 2006
  • 많은 논의에도 불구하고 기업가특성에 관한 연구는 상대적으로 덜 알려져 있다. 기업가특성에 관한 연구의 진행이 부족한 것은 기업가특성을 규명하는 이론과 방법이 기인할 수 있다. 그러나 기업가특성에 관한 적절한 연구는 지속적으로 이루어지고 있다. 본 연구의 모델은 기업가특성을 측정하기 위해 성취동기, 위험감수성, 혁신추구성의 개념을 사용하였다. 본 연구에서 기업가 특성이 높은 학생집단이 그렇지 않은 학생집단보다 창업의지와 창업에 대한 자신감이 높게 나타났다. 또한 성취동기, 위험감수성, 혁신추구성 등 대부분의 기업가특성이 창업의지와 창업에 대한 자신감에 유의한 영향을 미치는 것으로 규명되었다.

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문화적 가치관에 따른 국제광고의 표준화, 현지화 광고의 효과 (The Effects in Advertising of Standardization and Localization of Global Enterprises from Culture Values)

  • 한광석;홍용기
    • 경영과정보연구
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    • 제19권
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    • pp.17-48
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    • 2006
  • While the existing research took approach method that uniformly divided the cultural difference between specific countries into individualism - collectivism in the dimension of comparative culture, this research defines the cultural sense of value of domestic university students and company employees in accordance with horizontalism-verticalism pattern within it to corroboratively define the diverse effects of advertisements of standardization and localization of global enterprises. Researching the difference of cultural sense of value owing to this generation of Korean university students and company employees, Korean university students showed prominent propensity of vertical-individualism value and company employees, propensity of horizontal-collectivism value. Researching comparatively the effect of advertisements for standardization and localization of global enterprises in connection with Korean university students and company employees, it turned out Korean university students prominently prefer localization advertisement in the TV advertisement of global enterprises and company employees, standardization advertisement. Especially, the difference between standardization advertisement and localization advertisement of university students and company employees was very remarkable in trademark attitude and advertisement information rather than advertisement attitude. With respect to model appearing in the advertisement, it turned out university students prefer localization advertisement where domestic models appear and company employees prefer standardization advertisement where foreign models appear.

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Experimental Evaluation of Cohesion Properties for Various Coals

  • Kim, Minsu;Lee, Yongwoon;Ryu, Changkook;Park, Ho Young;Lee, Hyun Soo
    • KEPCO Journal on Electric Power and Energy
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    • 제2권2호
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    • pp.279-284
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    • 2016
  • Assessing the handling properties of coal becomes a major issue for the operation of a fuel supply system in power plants, due to the increased types of coal imported into Korea. In this study, the cohesion strengths of 13 bituminous and sub-bituminous coals from different countries were tested by measuring the amount of force that leads to a failure of consolidated particles. The particle size was in the range of 0.1-2.8 mm, which represents the coarse particles before pulverization. While the cohesion strength was proportional to the compression force in the tested range, the effects of the surface moisture content and the weight fraction of fines were crucial for cohesive coals. At fixed conditions of surface moisture and particle size, large variations were found in the cohesion propensity between coals. For coals of 0.1-0.5 mm with the moisture added close to the critical value, cohesive coals had the density over $900kg/m^3$ after consolidation. The cohesion propensity was not correlated with the basic properties of coals with sufficient statistical significance.

20대 여성의 화장품 구매행동에 관한 연구 - 화장품 관여도에 따른 차이를 중심으로 - (The cosmetic buying behavior of women in their 20s - Focused on differences by cosmetic involvement -)

  • 박광희;최미화
    • 복식문화연구
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    • 제27권6호
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    • pp.569-581
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    • 2019
  • This study investigated differences in cosmetic buying behavior and personal characteristics between cosmetic involvement groups. Cosmetics buying behavior refers to reason for using cosmetics, use of information sources, selection criteria, place of purchase, use/non-use of cosmetics, purchase propensity, purchase frequency, purchase amount, and satisfaction with cosmetics. Personal characteristic contains pursuing image, age, residence area, job, and average household monthly income. Data was collected from 5-10 December 2016, from 308 females in their 20s using an internet survey. The analysis included descriptive statistics, t-tests, Mann-Whitney U tests, and chi-square tests. The respondents were divided into two groups (a high cosmetic involvement group and a low cosmetic involvement group) according to the degree of cosmetic involvement. The results of t-tests revealed significant differences between groups in terms of reasons for using cosmetics, use of information sources, selection criteria, purchase frequency, place of purchase, use/non-use of cosmetics, and satisfaction with cosmetics. The results of Mann-Whitney U tests highlighted a significant difference in purchase frequency between both groups. The results of chi-square tests indicated significant differences in purchase frequency, purchase amount, pursuing image, and average household monthly income. However, no significant differences were evident in terms of purchase propensity, age, job, and area of residence between groups.