• 대한가정학회지
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• 제40권2호
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• pp.115-130
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• 2002

The purposes of this study was to analyze the effects of household characteristics and financial variables on financial management behavior and financial solidity. The major results could be summarized as follows. First, Debt management behavior and risk management behavior reveled a higher score than any other financial management behaviors. The main determinants of financial management behavior were financial communication and financial attitudes. The more positive financial attitudes and the more financial communication were, the better the financial management behavior followed. The set of households characteristics variables accounted for 2% of the variance in the financial management behaviors. But the addition of financial related variables resulted in an R2 change of 33%. Second, the financial solidity by median was 4.10. It means that usuable net asset is four times higher than the total amount of risk. Household head\`s age, financial attitudes and financial management behavior were the variables affecting the financial solidity.

• 가정과삶의질연구
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• 제28권2호
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• pp.27-37
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• 2010

The purpose of the study was to analyze the constraints that are normally experienced before moving in the context of the household characteristics of households that had recently moved to newly-built apartments. The data for the analysis was collected through a self-administered questionnaire from July 1, 2008 to August 10, 2008. The sample consisted of 251 households in Ulsan living in an apartment complex who had moved within a year. The data from the sample was analyzed by descriptive statistics, factor analysis, and analysis of variance with Duncan's multiple range tests. The results are as follows. The constraints were categorized into information gathering, attractive housing characteristics, expectations of residential mobility, housing development and policies, and resources. Overall, the constraints did not have a huge impact on the performance of the residential mobility of the sample households. Resources, however, were the most influential factors among the five constraints followed by attractive housing characteristics, information gathering, etc. The constraints varied based on the demographic characteristics, such as the household size, duration of marriage, age of the household head, and the socio-economic characteristics, such as the education level of the household head, household income, and the number of mobility. As the number of family members increased, the age of the household head went up, or the level of education went down, the constraints on information gathering were affected in terms of performing residential mobility. Households with a middle aged head with a professional occupation were more constrained by the attractive characteristics of the housing. The impact of the resources related constraints was significantly different based on the number of family members, marriage duration, and the household head's age and occupation, and the number of mobility.

• 가족자원경영과 정책
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• 제7권2호
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• pp.81-97
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• 2003

The purpose of this study is to identify the impacts of the 5 day workweek system on the family resource management. This family resource may be divided into four spheres (family relationship, household economy, household labor, and leisure activity). Data were obtained from 182 husbands and 182 his wives. He is employed in a company which have fully introduced the 5 day workweek system. Descriptive Statistics(frequency and mean) was used for examining a demographic characteristics and a thought of the system, and t-test analysis for the difference by sex and before and after. According th the results of this study, first, after operation of the 5 day workweek system, the couple have more conversation with each other than before. Second, in reality, the income was not decreased beyond expectation. During the new holiday, the couple take out to go on a visit, to do their shopping, and to eat out. Third, the household labor time is different by sex. But the husbands is reported that they are participated more in hanging out the laundry, cleaning, and care for children than before. Forth, the family leisure activity of the husbands in comparison with individual activity and wives increased more than before.

• 아태비즈니스연구
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• 제14권2호
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• pp.51-61
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• 2023

Purpose - Since COVID-19, the government's expansion of liquidity to stimulate the economy has resulted in an increase in private debt and an increase in asset prices of such as real estate and stocks. The recent sharp rise of the US Federal fund rate and tapering by the Fed have led to a fast rise in domestic interest rates, putting a heavy burden on the Korean economy, where the level of household debt is very high. Excessive household debt might have negative effects on the economy, such as shrinking consumption, economic recession, and deepening economic inequality. Therefore, now more than ever, it is necessary to identify the causes of the increase in household debt. Design/methodology/approach - Main methodology is regression analysis. Dependent variable is household loans from depository institutions. Independent variables are consumer price index, unemployment rate, household loan interest rate, housing sales price index, and composite stock price index. The sample periods are from 2017 to May 2022, comprising 72 months of data. The comparative analysis period before and after COVID-19 is from January 2017 to December 2019 for the pre-COVID-19 period, and from Jan 2020 to December 2022 for the post-COVID-19 period. Findings - Looking at the results of the regression analysis for the entire period, it was found that increases in the consumer price index, unemployment rate, and household loan interest rates decrease household loans, while increases in the housing sales price index increase household loans. Research implications or Originality - Household loans of depository institutions are mainly made up of high-credit and high-income borrowers with good repayment ability, so the risk of the financial system is low. As household loans are closely linked to the real estate market, the risk of household loan defaults may increase if real estate prices fall sharply.

• 가정과삶의질연구
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• 제14권2호
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• pp.157-170
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• 1996

Even if holding debt may be a rational means for household to maximize utility under any circumstance and any time through the family life cycle most households have some difficulty to determin and keep the moderate debt amount. The purpose of this study is to identify the characteristics of household's debt and the factor associated with debt. Data used in this study consisted of 4,009 households. The results of this study were as follows; Among 4,009 households 1,400 housholds?(34.9%) owed. Age education and occupation of household header liquid and real asset and housing ownership had significant effects on whether household having debt. The real and liquid asset had significantly positive relation with the liabilities of financial agency whereas the occupation of household header liquid asset and unearned income with private liabilities. Finally age education and occupation of household header home ownership and liquid asset had significantly negative effect on the total a ount of debt while earned and unearned income and real asset had positive one.

• 보건의료산업학회지
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• 제14권1호
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• pp.123-136
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• 2020

Objectives: This study aimed to analyze the factors influencing the life satisfaction of retirees(n=1,919) in one-person and multi-person households using the 2015 wave of the Korean Retirement and Income Study, collected by the National Pension Service. Methods: Frequency analysis and χ2-test were performed to examine the general characteristics and relation between one-person and multi-person household retirees. Logistic analysis was conducted to examine the factors affecting life satisfaction. Results: Public pension income was a statistically significant factor affecting life satisfaction, economic, health, and life in multi-person households. Conclusions: To improve life satisfaction after retirement, selective insurance benefits are needed depending on the type of household. Moreover a policy for expanding labor market participation is needed.

• 가족자원경영과 정책
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• 제13권1호
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• pp.61-81
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• 2009

The purpose of this study was to investigate the policy demands of the family sector for work-family balance, with a focus on the child care and household labor provisions. For empirical analysis, data were collected from 197 dual-income families with at least one young child under age 10 in the metropolitan area via self-administered questionnaires. The major findings of this study were as follows. First, child care provisions for working mothers and fathers were insufficient and unfair, and the ratio of child care provisions offered by familial child care network was high. The characteristics of child care provisions for working parents were associated with family structure, working conditions, and demographic variables. Second, household labor provisions for working mothers and fathers were also insufficient and unfair, and the ratio of socialization was high. Third, the level of family satisfaction varied by the level of child care and household labor provisions, respectively, controlling family structure, working conditions, and demographic variables. The empirical results of the study provided policy implications for work-family balance.

• 산경연구논집
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• 제12권2호
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• pp.41-52
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• 2021

Purpose: This study aims to provide implications for the government's housing supply policy by analyzing the factors that determine the type of real estate holding and household debt. This study started from the awareness that the determinants of household debt differ depending on the type of real estate holding. Research design, data and methodology: Real estate ownership type was classified and analyzed into 4 models: model 1 (1 household 1 house and self-resident), model 2 (1 household multiple real estate ownership and self-resident), model 3 (1 household 1 house and rent residence), model 4 (1 household holds a large number of real estate and rent residence). The analysis method used multiple regression analysis. The dependent variable was household total debt. As independent variables, household debt, annual gross household income, financial assets, real estate net assets, annual repayment, demographic & residential characteristics were used. Results: 1) Model 4 has the highest household debt and the highest gross income, Model 2 has the most real estate mortgage loans and real estate net asset, and Model 1 has the highest real estate mortgage payments. 2) The positive factor of common household debt determinants is real estate net assets, and the negative factor is financial assets. 3) It was the net assets of real estate that acted as a positive factor in common for the four models. In other words, the more financial assets, the less household debt. It was analyzed that the more net assets of real estate, the more household debt. The annual repayment of financial liabilities had no influence on household debt, while the annual repayment of loan liabilities and household debt had a positive relationship. Conclusions: 1) It is necessary to introduce benefits and systems that can increase the proportion of household financial asset. Specific alternatives include tax benefits and reduced fees for financial asset investment. 2) In the case where a homeless person prepares one house for one household, it is necessary to prepare various support measures according to the income level. The specific alternative is to give additional points for pre-sale or apply an interest rate cut incentive for mortgage loans.

• 한국식생활문화학회지
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• 제37권4호
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• pp.324-334
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• 2022

This study was conducted to provide basic data for product development and marketing strategies for the Thai home meal replacement (HMR) market, to reflect the changing trends in household sizes in Thailand. The results of analyzing the characteristics and differences of HMR consumption behavior between single-person households and multi-person households in Thailand were as follows: It was found that single-person households use HMR to save money and for the convenience in cooking and preparation. In the preference by HMR type, multi-person households showed a higher preference for all types of products than single-person households. Thai consumers, regardless of their household size, mainly use department stores and large shopping malls to purchase HMR, and they most prefer to get information through Internet advertisements. The shelf life, quality, taste, hygiene, and freshness of HMR were the main considerations for their selection. Based on the results of this study, the Thai market requires the development of HMR products that are reasonable in terms of cost and preparation time. In addition, it is necessary to develop products that can satisfy consumer needs, such as nutritional enhancement and therapeutic foods, products that are organic, eco-friendly, cater to various menus, and address the premium segment.

• 가정과삶의질연구
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• 제6권1호
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• pp.189-203
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• 1988

The main objective of this dissertation is to find out the measurement methods of household work organization and manger style and the quantitative analysis methods of influential factors on household work organization and manager style. Subjects were homemakers living in metropolitan , medium and small cities. Questionnaires were sent to subjects and usable responses were 1139 out of 1239 received questionnaires. Data collected through both preliminary and main survey were analyzed by using frequencies, percentage, analysis of variance, chi-square test and pearson's correlation analysis. Results are as follows; 1) The degree of household work organization was distributed on upper middle level exceeding middle score. Among subsystems of household work such as task assignment , test regularization, task arrangement and task standardization. subjects show the highest positive attitude in task standardization. 2) The characteristics of management in household work have task centered orientation. By the prority of task centered orientation, the order was integrated style. dedicated style. It means that the most ideal style is an integrated style which accounts for one-third of the total homemakers. 3) Household organization's subsystems and household work manager style are related with socio-demographic variables. Integrated style is significantly related with homemaker's employment and having helpers for household work. homemakers who are employed and have helpers for household work exhibit high scores in task assignment and task arrangement. Dedicated style is significantly related with homemaker's age and the number of children. Homemakers who are older and have many children exhibit high scores in task assignment. Related style is significantly related with marriage duration, education level and income level. Homemakers who have a long marriage duration exhibit high scores in task assignment and who have high education and income level exhibit high scores in task regularization. Seperates style is significantly related with homemaker's age m marriage duration an family life cycle. homemakers who ar older, have a long marriage duration and are of late stage in family life cycle exhibit seperated style and high scores in organization. To summarize research findings, household work manger and household work organization are related with family life experiences, and task assignment is an influential variable on manager style. in conclusion, it is evident that household work organization emphasizes efficiency as cognitive component and such organization. Finally it is necessary to broaden this research considered social psychological variables. And also it needs to build household manger style models appropriate fro the characteristics of each style.