• 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%.

• 가정과삶의질연구
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• 제19권1호
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• pp.111-129
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• 2001

This study was performed to develope a money management education program for elementary school students graded from 3 to 6 in order to enhance their money management skill. Based on the developmental stages of the children, this program covered five financial issues such as value of money, financial planning, allowance planning, saving and investment, and consuming and purchasing. Total 15 specific education programs were developed. The contents included in each program were value of money & economic circulation, types of money and the importance of money management, the issues related on choice and resource use, long-term and short-term planning, the relationship between occupation and earnings, career planning, budgeting, the reasons and types of saving, understanding of interest, investment methods, the functions of market and trade, intra family income distribution, consumptions, and consumer decision making process.

• 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.

• International Journal of Human Ecology
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• 제6권2호
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• pp.51-61
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• 2005

This study investigated the allowance usage practices and factors affecting saving behavior from 291 elementary school students in Susan. Frequency distributions, Pearson product-moment correlations, and logistic regression analysis were conducted by SPSS Windows. Two-fifths of the respondents did not regularly receive allowance. Many parents did not guide what children spent their money on before using it. Children spent their allowances on buying snacks, stationary, and playing in the game room. Only a small number of the respondents kept a record, but many children saved money. On the other hand, in the logistic regression analysis, the significant variables explaining children's saving behavior were parents' guidance before using allowance, record-keeping, and doing household work for an allowance. These results imply that parents are in the best position to give children positive experiences towards financial management.

• 한국농촌생활과학회지
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• 제6권2호
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• pp.137-149
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• 1995

The first objective of this study is to examine the finanacial management practices of rural housewives. The second objective is to determine the effects of sociodemographic characteristics on financial management practices. The Deacon & Firebaugh's model of family resource management framework and previous studies were used to determine the effects, regarding a9e, income, number of family, education level, and farming/nonfarming as independent/input variables, and monthly saving and managerial behavior index as dependent/throughput variables. A sample of 179 rural housewives aged less than 60 was selected from Shihung-Si Gyonggi-Do Province. Results showed that rural housewives more frequently did keeping bills, making purchase-list and verifying purchase need than recording where money spent making financial plan, and evaluating spending. With regard to household debt use, 60% of the sample had debt the most borrower used debt for farming, 73% of borrowers paid for their debt behind the schedule, and the main source of borrowing was NACF (NongHyup). Using installment credit, the rural housewives mainly bought cosmetics. 25% of the sample had credit cards. Average debt was 6, 070, 000 won, and 81% of annual income. In terms of saving, 85% of the sample saved, and 23% of the sample lived with the money after save. The main reasons of saving were for education and marriage of children and emergency. The main saving institutions were NACF and NLCF (ChukHyup). The regression showed that income was negatively associated with monthly saving, and age was identified as the positive determinants of managerial behavior index.

• 가정과삶의질연구
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• 제25권2호
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• pp.23-36
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• 2007

Or this research, it was investigated the differences in the pro-environmental behaviors in purchase, use and management, and disposal of clothing by socio-demographic characteristics and other variables. In addition, it was classified Korean consumers into several comsumer groups based on the different purchase behavior style, and then investigated the difference among these consumer groups in purchase, use and management, and disposal of clothing in light of the pro-environmental behavior. The following is the summary of the main results. First, consumers with high income and ha41g a lot of clothing were less likely to purchase used-clothing while consumers who were non-married and in low-income status were more likely to rent clothing. In additions, female, married consumers, and consumers with less-educated were more likely to manage their clothing frequently. Second, it was classified consumers into several groups based on the different purchase behavior style, these were "rational purchasing", "saving-money purchasing", "regretting for their purchasing", and "over-purchasing". Third, "saving-money purchasing" group showed a high expenditure rate in the purchase of used-clothing but a low rate in "over-purchasing" group. The frequency of management of clothing was the highest in the group of "over-purchasing" and the next in the group of "saving-money purchasing". The group of "over-purchasing" were more likely to show irrational decision-making style, manage and disposal their clothing frequently, "saving-money purchasing" purchased used-clothing frequently, and the level of management of clothing were less in the group of "regretting for their purchasing".

• International Journal of Human Ecology
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• 제5권1호
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• pp.23-34
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• 2004

This paper outlines the findings of a consumer survey conducted in 1996 and 2001 by the University of Bonn, Germany, across 15 European countries. The survey involved a sample of 3,300 respondents in 1996 and around 11,000 respondents in 2001, throughout all 15 EU countries. Children and adolescents between the ages of 10 and 17 were surveyed on their consumption habits and their attitudes towards the environment. The paper outlines the key findings on "the process of socialization with money". Children come to appreciate the importance of money even before their first day at school. Even young children know you sometimes need cash to fulfil dreams. But the chance to experiment with money for real only comes when children first receive pocket money, usually from their parents. Later, in adolescence, consumer pressure starts to make an impact and it becomes more difficult to make ends meet. Spare time or holiday jobs help top up pocket money and enable adolescents to keep out of debt. This paper reports on a long term comparative study throughout the European Union among children and adolescents, analysed by country, age group and gender. The paper discusses the places young consumers can turn to in trying to fulfil their growing consumer needs. It also examines how much money is at their disposal. It then concludes by considering the influence of "financial socialization" on how young people deal with money.

• 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.

• 가정과삶의질연구
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• 제23권6호
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• pp.53-65
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• 2005

The purpose of this study was to investigate the working married women's perception on the effect of work on household economy. The household economy was examined in three aspects; income, assets, and consumption patterns, along with the contribution and the satisfaction of working married women with respect to their income by work Four hundred thirty working married women with the first child of less than middle school were surveyed, with questionnaires from March 25 to April 22 of 2005, and analyzed with descriptive statistics. The results were as follows: the reasons of working married women for work were making an affluent living, showing their ability, wanting for work, and making a living in order. The perceived degree of their income contribution to household income was on the average about $42.53\%$. They perceived the spending in time-saving consumption items, child-rearing consumption items, and personal consumption items to be decreased, if they were not working. Their work was helpful in saving, insurance and investment, debt payment, money for old life, money for housing, money for emergency. About $69\%$ of working married women perceived their income contribution to their household income as being high.

• 한국문헌정보학회지
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• 제48권2호
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• pp.307-329
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• 2014

본 연구의 목적은 이용자가 공공도서관을 통해 받는 혜택이 무엇이며 얼마나 누리고 있는가를 설명하기 위함이다. 주로 국외 문헌을 통해 밝혀진 공공도서관의 혜택을 국내 도서관 이용자의 시각에서 재조명하고 해석하며 혜택의 수혜 정도를 도서관 이용자 측면에서 살펴보았다. 이를 위해 S도서관 이용자를 대상으로 도서관 이용으로 인해 얻는 혜택과 그 수준을 측정하였다. 개방형 질문지를 통해 자유롭게 기술된 이용자의 응답을 키워드로 추출하여 혜택의 유형과 내용을 파악하였고 향유지표를 기반으로 한 13개 혜택 항목을 통해 혜택의 수준을 파악하였다. S도서관 이용자들은 도서관 이용으로 독서, 경제적 이익, 개인적인 충족, 위안, 평안, 만족감 순으로 혜택을 인식하였다. 향유결과지표를 통해 본 이용자의 혜택 수준은 더 많은 독서(4.31)와 경제적 이익(4.14)이 가장 높은 것으로 나타났다. 이러한 혜택은 성별과 학력별로는 차이를 보이지 않았고 연령대와 직업별로는 혜택의 수준이 다양하게 나타났다. 가족간의 유대, 아이의 독서, 문화를 즐김, 업무능력의 향상과 같은 혜택이 연령대별로 차이가 나타났고 경제적 이득에 대한 혜택은 주부와 취업준비생과 같은 비경제활동 인구가 가장 많이 받고 있는 것으로 나타났다.