• 한국생활과학회지
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• 제18권1호
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• pp.123-136
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• 2009

Debt and credit problems in Korea have been escalated during the past decade. The number of people with debt and credit problems is in its historic high. In May 2008, about 2.48 million debtors are officially classified as bad debtors and 7.20 million people have low credit scores. People with low credit scores are in disadvantageous situation in the financial market thus their financial transactions and activities are limited. In 2004, Korean government introduced various credit rehabilitation programs. However, most of these problems are remedial in nature and preventive programs such as credit counseling and debtor education are lacking. The purpose of this review is to examine US credit counseling and debtor education programs to obtain insights for preventive credit program developments in Korea. The review focused on programs offered through National Foundation for Credit Counseling, Jump Start, and Cooperative Extension Services from two large land grant Universities. From the program review suggestions and recommendations for educational contents, program and educator developments, and program quality control were discussed.

• 가정과삶의질연구
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• 제19권1호
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• pp.235-251
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• 2001

The purposes of this study was to develop household debt management education and counseling programs. The issues related with the consumer use of credit were identified and the selected programs of the United States were analyzed to develop the education and counseling programs for Korean households. Curriculums for the debt management education in three subjects and the process for debt counseling were suggested. Debt management education program included the issues related to general credit management strategy, credit card usage, and debt burden. For debt counseling, worksheets of problem identification, budget analysis, and action planning were developed.

• 가정과삶의질연구
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• 제25권2호
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• pp.155-172
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• 2007

This study is a qualitative analysis aimed at facilitating a plan of social support for heavy debtors. for this purpose, the status of issues related to heavy debtors in Japan is considered, and more is revealed about the status of operation for non-profit organizations and groups of heavy debtor victims as counseling agencies for heavy debtors. In addition, through interviews conducted with the counselors of these organizations, a survey has been made on whether the credit counseling provides particular functions for and increases the satisfaction of debtors. The root of Japan's large number of heavy debtors lay in that country's excessive growth of consumer financing, the increase of its use, the structural problems on the lending system of consumer financing and legal insufficiency, to name of few fundamental problems. The interviews on debtor counseling in private organizations revealed that the debtors being counseled showed a great change, due primarily to group counseling and activities, in such aspects as psychological stability, learning and understanding about heavy debts and willingness to take action for solving their own problems. In addition, regarding the aspects of time and cost, specialty, mutual exchange of experienced persons, psychological care and educational functions, the importance of the debtor counseling group's role has been established. To improve the problems of heavy debtors in Korea, there is a need to promote the importance of debtor counseling increase the interest and support of the administration, create a sense of solidarity among related organizations and promote public education on consumer credit. The support of the consumer credit industry and the development of human resources are also badly needed.

• 가족자원경영과 정책
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• 제15권2호
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• pp.147-171
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• 2011

The purpose of this study was to examine low-income households' financial problems and the demand for financial counseling. For these purposes, a survey of 500 low-income households was conducted by an on-line survey company. The results were as follows. First, four types of low-income households classified by income and job criteria were: the not-working poorest (16.2%), the working poor (27.0%), the not-working low-income (13.8%), and the working low-income (43.4%). Also, seven areas of financial problems were found through factor analysis. They included difficulty of survival, insufficient funds for special expenditures, defaults on financial obligation, decrease of income, increase of debts, emotional anguish, and difficulty in meeting living expenditures. 61.6% of respondents requested financial counseling, and 44.5% of them preferred internet counseling to counseling by phone or in-person, while 49.5% desired access to public counseling organizations. The five types of financial counseling content for low-income households that were found through factor analysis were financial planning, credit management, asset management/investment, public support, and use of credit cards. The low-income householders demanded financial planning counseling and pubic support counseling more than the other types of financial counseling. Logistic regression analysis revealed that the demand for financial counseling participation was significantly influenced by age and income. The demand for financial counseling content was age, income, and types of financial problems. Therefore, general financial counseling programs for low-income households should be expanded. Furthermore, those counseling programs can be useful if they not only include credit management but also financial planning, economic support information and savings.

• 가정과삶의질연구
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• 제26권6호
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• pp.35-50
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• 2008

The purpose of this study was to analyze the characteristics and financial status of credit delinquents utilizing the debt management program of the Credit Counseling and Recovery Service between January-June in 2007. Total sample of 41,355 cases was analyzed using the statistical program SPSS(Version 12.0). For analysis, descriptive statistics, F-test, Scheffe test, t-test, logit analysis and regression analysis were employed. People in the age range of 30-40s, males, high-school graduates, married couples, part-time employees, costfree residents and residents in other regions were relatively high users of the debt management program. Reasons of credit delinquency were diverse and was combined to credit default. However, increases in expenses and income reductions were found to be the most frequent reasons. Financial conditions of delinquents were worse than those of average persons shown on the national statistics. It was also found that age, sex, educational level, occupation, region of residence, home-ownership, reason of delinquency, income and total outstandings of debt were significant determinants of short-term debt burden which was measured by the ratio of monthly payment to income and long-term debt burden which was measured by repayment period.

• 한국생활과학회지
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• 제11권1호
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• pp.95-106
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• 2002

This study was done to investigate the perception and need of the nutrition counseling of the people living in Daejon. Results were as follows: Nutrition knowledge score increased with education level. It showed tendency that women's scores were higher than men's. Only 15.5% of the participants were experienced in nutrition counseling mostly with medical doctor or nurse in the general hospital. Their satisfaction level was above average, which means positive reaction on nutrition counseling. In the case of the people who paid nutrition counseling fee, they thought that fee level was reasonable. Participants whose education level was higher thought less frequently that the nutrition counseling fee charged currently in the general hospital was expensive. The prevalent contents they want in the nutrition counseling included the prevention and the treatment of the specific disease and food safety (pesticides and food-born illness). As means of nutrition counseling they preferred internet (or PC) and interview. The higher the education status and the less the age, the higher preference, there was for internet or PC. As a source of nutrition knowledge, participants gave high credit on the professional books, academic journals, and advices from dietitian, nutritionist, medical doctor and pharmacist; in the other hand, they gave low credit on the newspaper, magazine, TV or radio, and advices from family or relatives, and friends. They thought most of the adult-onset disease (especially obesity, hyperlipidemia, and diabetes) were closely related to diet. However, percentage of the participants who thought that diet and kidney disease were related was relatively low.

• 한국간호교육학회지
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• 제12권1호
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• pp.104-114
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• 2006

Genetic knowledge for oncology nurses is important in Korea because oncologists are incorporating genetic counseling and genetic testing into their practice. The purpose of this paper is to describe our method of developing the first academic cancer genetic risk assessment and counseling course for Korean nurses. A one-week (non-credit) cancer genetics counseling program was constructed for master's level Korean oncology nurses. The course emphasized basic genetic concepts and principles the genetics of cancer; hereditary cancer syndromes; family history assessments; pedigree construction; risk calculation; surveillance recommendations and treatment options ethical, legal, social, and psychological issues inherent in genetic testing. The goals of this program are to: 1) provide a comprehensive knowledge base for nurses who are currently expanding their scope of practice into the genetic counseling role 2) introduce this knowledge to nurses who want to use it in their practice; and 3) provide cancer genetic knowledge and resources to Korean nursing faculty who plan to incorporate this knowledge into existing master's courses. This academically-based course is recognized as valuable by nurses, nursing faculty, and physicians. With this new knowledge nurses can begin toexpand their role in delivering comprehensive cancer care services.

• 비교교육연구
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• 제28권4호
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• pp.23-49
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• 2018

본 연구의 목적은 캘리포니아 주의 학점제 기반 고등학교 교과목 이수 체제에 대한 고찰을 통해 향후 우리나라 고교학점제 운영에 있어서 검토되어야 할 시사점을 탐색하는 것이다. 이를 위해 미국의 학점제 교육과정의 특징, 미국 캘리포니아 주 고등학교의 학점제 기반 교과목 이수 체제를 분석하였다. 캘리포니아 주는 주 수준에서 교과군별 졸업 최저 이수 학점을 제시하고, 교육구에서는 대학입학요강, 학생의 필요와 요구를 고려하여 교육구 수준의 교과군별 졸업 최저 이수학점을 제시한다. 학교 수준에서는 교육구 수준에서 제공되는 과목의 교수요목에 기초하고, 주 수준의 교육과정 기준을 기반으로 하여 과목을 개발하게 된다. 주에서 교육구, 교육구에서 단위 학교 수준으로 갈수록 졸업에 필요한 이수 학점이 높게 설정된다. C학점 이하이면 학점을 받지 못하게 되고, 재이수를 하게 된다. 학생들은 진로 상담 교사, 학부모와의 면담을 통해 다양한 경로를 활용하여 졸업이수 학점을 이수하게 된다. 캘리포니아 주의 고등학교 교과목 이수 체제 분석결과에 근거하여 우리나라의 고교학점제의 성공적 안착을 위해서 고려되어야 할 점으로 '현행 졸업 이수 단위의 적정성 검토', '유의미한 과목 개설을 위한 시 도 교육청 및 단위 학교 수준의 노력 필요', '과목 이수 기준 설정에 따른 후속 조치의 마련', '학생 선택의 질적 측면 제고', '유의미한 선택을 위한 진로 코칭의 활성화', '고등학교 교육과정과 대학 입시와의 연계성 수준 설정', '학점제 기반 외국고등학교 교육과정에 대한 심층적인 후속 연구' 등을 제안하였다.

• Journal of Korean Biological Nursing Science
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• 제5권1호
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• pp.13-22
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• 2003

The purpose of this study was to investigate and analyze current educational requirements related to genetics curriculum(from June 2002 to September 2002) established at nursing institutions and to provide the basic data for the development of genetics science program at the undergraduate. Subjects of this study were comprised of twenty-three colleges of nursing in 4-year baccalaureate and thirty colleges in 3-year diploma programs. The results of this study were as follows : 1) 32 colleges offer courses related to genetics. 29 among 32 colleges have that integrated. Three schools have established completely independent courses of genetics. 21 colleges do not have any courses dealing with genetics. 2) The contents of courses related to genetics include: Congenital abnormalities, chromosomal aberrations, congenital metabolic disease, prenatal diagnosis and genetic counseling, genes and chromosomes, immune genetics, blood type and genetics, rule of genetics, variation in gene expression, the map of the human gene, gene linkage genetics, interaction of genes, single inheritance in order and genetic biochemistry. 3) For course credit, 14colleges(48.3%) offered at most 1 credit per course. The grade of student who can take the course, 51.7% were in their second year while 37.9% were in their third year. The majors of nursing faculty who taught the course were nursing(51.7%) and basic nursing science(17.2%). 4) As far as the need of opening the courses related to genetics, 36 colleges(67.0%) have made a 'need', 12 schools(22.6%) state 'dose not need'. 711e reason for need were the following development of bio engineering, increase number of patients who are related to genetics, recognition of the need in clinical nursing. 7 schools(13.2%) agreed to offer independent course in genetics but 39 schools(73.6%) are in disagreement with that. When the school offers the course with other courses, 27 schools(50.0%) are opening basic nursing science and 14 schools(26.4%) are opening nursing as an integrated courses. If the name of course was either genetic nursing(34.0%) or genetics(28.3%), the credits for the course was one or 2 credits. 33 schools(62.3%) students were in the first or second years. 41 schools(84.9%), the majors of the faculty who had taught the course were either basic nursing science(35.8%), nursing(28.3%) or basic medicine(24.5%). The contents of the course should include in that order: Chromosome aberrations, prenatal diagnosis and genetic counseling, congenital metabolic disease, congenital abnormalities, genes and chromosomes, the rules of genetics, immune genetics, interaction of genes, variation in gene expression, etc. The results and discussions of the study indicate that the entire curriculums need to be investigated with respect to contents of education, nursing curriculums and name of courses because of the increasing need of knowledge related to genetics in the clinical practice.

• 가정과삶의질연구
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• 제29권6호
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• pp.9-25
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• 2011

This study was performed to explore the factors that affect debt-use intention of young defaulters. In addition, this study compares three models that predict the intention to use debt by young defaulters: the theory of reasoned action and two variations of it. Specifically, this study proposes an extended theory of reasoned action by introducing Ao in place of the cognitive structure in the theory of reasoned action. In addition, this study proposes Ao as an independent variable that acts on BI rather than a dependent variable. Self-administered questionnaires were completed by 196 young defaulters attending a credit management education session held by the Credit Counseling & Recovery Service in Kwang-ju, Korea. Based on the study, the conclusions are as follows: the extended theory of reasoned action as proposed in this article most suitably explained the intention to use debt by young defaulters. It was also found that young defaulters were affected by attitudes toward debt, attitudes toward using debt, and subjective norms. It is therefore suggested that an attitudinal message would change the behavior effectively for young defaulters. The findings appeared to support the usefulness of the extended theory of reasoned action and the role of Ao as an independent variable as proposed in this article to explain the intention to use debt by young defaulters. These findings have an important theoretical meaning in that they modify two existing attitude theories in the context of consumer behavior.