• 가정과삶의질연구
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• 제26권3호
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• pp.169-189
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• 2008

There are few studies on the characteristics of defaulters, though research in this field is needed. The purpose of this study was to find out social, economic and psychological characteristics of defaulters who are married and in their thirties. For this study, an in-depth interview was used. The major findings were as follows. The focus of this study is defaulters who are married, in their thirties, have managed small businesses by themselves or with their spouses and have experienced job fluctuation. There were a lot of reasons for their becoming defaulters. Most of all, a slump in business with the occurrence of individual events caused them to be enrolled as defaulters. The monthly mean income of defaulters was $1,800,000{\sim}5,000,000$ won, yet it was irregular. Moreover, they were dependent upon labor income or business income. The monthly mean expenditure of defaulters was $1,000,000{\sim}2,300,000$ won, which constituted about $26%{\sim}57.5%$ of their monthly mean income. The defaulters needed to budget a number of expenditures such as food and private education. Defaulters had $25,000,000{\sim}128,000,000$ won in debts and $300,000{\sim}3,000,000$ won per month in debt payments. Most of them didn't have any emergency funds, monetary assets or fixed assets. Interestingly, they showed high tendency to use debt and low skill for their money management. Defaulters had short time horizons and were likely to buy something on the spur of the moment.

• 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.

• 대한가정학회지
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• 제44권3호
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• pp.1-11
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• 2006

Although the personal credit rating has become more important than ever before in our era, a significant number of social problems have occurred due to the rising number of individuals and households with low credit ratings. The main objectives of this research are to determine effective policies of social remedies through an investigation of recognition, expectation, and utilization levels of relevant public policies available to assist individuals with low credit ratings. The sample population was taken from the credit defaulters who had visited the Credit Recovery Commission. The research was undertaken from April 28 to May 4, 2004. This study focused on the related variables concerning the degree of utilization of remedial public policies. The results showed that females, less educated individuals, and those with higher levels of expectation and recognition were more likely to utilize remedial policies. Based on the research, conclusions regarding the usage of public remedial policies for credit defaulters are as stated below. Education for households should be conducted in order to increase the expectation and recognition levels of relevant policies.

• 가정과삶의질연구
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• 제32권3호
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• pp.65-84
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• 2014

This study was performed to explore the factors that affect the debt-reuse intention of defaulters. The focus of this study is on defaulters who used debt for stock investment. Debt-usage differences were considered since they had different psychological backgrounds. A total of 712 self-administered questionnaires (stock=131 and no-stock=581) were analyzed using SPSS. The major findings were as follows : First, the level of perceived behavioral control was the highest and the level of attitudes toward using debt was the lowest among the psychological factors in both groups. Second, perceived behavioral control was different according to age and income. No such significant association was found in attitudes toward using debt, subjective norms and behavioral intention in the stock group. Third, behavioral intention was explained by attitudes toward using debt and subjective norms in the stock group. However, in the no-stock group, behavioral intention was explained by attitudes toward using debt, subjective norms and perceived behavioral control. These findings have important pragmatical meaning in that they show the determinants of debt reuse by stock investment defaulters.

• Journal of Preventive Medicine and Public Health
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• 제7권2호
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• pp.285-292
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• 1974

It is well known fact that many tuberculosis patients have often experienced interuption of treatment while their treatment. Because most of cases were inproved subjective symptome by adequate treatment for 3-6 months and patients misunderstood to be heal completely by their own dicision, It become the cause of emergency of drug resistance and chronic incurable diseases. The author intended to clarify the duration of treatment and its outcome by some characteristics of tuberculosis patients. The results obtained were as follows: 1. The rate of treatment for tuberculosis patients by each duration with 1-6, 7-12, 13-13, 19-24 and 25 or more months were 16, 23, 20, 14 and 25 percents respectively. The duration of treatment increased in patients with advancing age, better educated and registered at health center between 7-12 months after diagnosis for tuberculosis. 2. The rate of complete treatment, defaulters, death and migration were 43, 13, 8, and 10 percents respectively. The rate of complete treatment were high in older, better educated and registered at health center between 7-12 months after diagnosis. The rate of defaulters were high in younger, no educated and registered within 1 month after diagnosis. The rate of death was high in older and migration was high in younger.

• KDI Journal of Economic Policy
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• 제38권1호
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• pp.71-91
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• 2016

This paper examines the effect of the government college loan program in Korea on student academic performance, dropout decisions and loan defaults. While fairness in educational opportunities has been guaranteed to some degree through this program, which started in 2009, there has been a great deal of controversy over its effectiveness. Empirical findings suggest that recipients of general student loan (GSL) lower academic performance than those who received income contingent loan (ICL). Moreover, for students attending private universities, a higher number of loans received increased the probability of a dropout decision, and students from middle-income households had a higher probability of being overdue than students from low-income households. These findings indicate that expanding the ICL program within the allowance of the government budget is necessary. Furthermore, providing opportunities for students to find various jobs and introducing a rating system for defaulters are two necessary tasks.

• 스마트미디어저널
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• 제13권4호
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• pp.9-15
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• 2024

Tree-based algorithms have been the dominant methods used build a prediction model for tabular data. This also includes personal credit data. However, they are limited to compatibility with categorical and numerical data only, and also do not capture information of the relationship between other features. In this work, we proposed an ensemble model using the Transformer architecture that includes text features and harness the self-attention mechanism to tackle the feature relationships limitation. We describe a text formatter module, that converts the original tabular data into sentence data that is fed into FinBERT along with other text features. Furthermore, we employed FT-Transformer that train with the original tabular data. We evaluate this multi-modal approach with two popular tree-based algorithms known as, Random Forest and Extreme Gradient Boosting, XGBoost and TabTransformer. Our proposed method shows superior Default Recall, F1 score and AUC results across two public data sets. Our results are significant for financial institutions to reduce the risk of financial loss regarding defaulters.

• 보건행정학회지
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• 제33권4호
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• pp.450-456
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• 2023

Background: This study aims to develop a "Predictive Model for the Possibility of Collection Delinquent Health Insurance Contributions" for the National Health Insurance Service to enhance administrative efficiency in protecting and collecting contributions from livelihood-type defaulters. Additionally, it aims to establish customized collection management strategies based on individuals' ability to pay health insurance contributions. Methods: Firstly, to develop the "Predictive Model for the Possibility of Collection Delinquent Health Insurance Contributions," a series of processes including (1) analysis of defaulter characteristics, (2) model estimation and performance evaluation, and (3) model derivation will be conducted. Secondly, using the predictions from the model, individuals will be categorized into four types based on their payment ability and livelihood status, and collection strategies will be provided for each type. Results: Firstly, the regression equation of the prediction model is as follows: phat = exp (0.4729 + 0.0392 × gender + 0.00894 × age + 0.000563 × total income - 0.2849 × low-income type enrollee - 0.2271 × delinquency frequency + 0.9714 × delinquency action + 0.0851 × reduction) / [1 + exp (0.4729 + 0.0392 × gender + 0.00894 × age + 0.000563 × total income - 0.2849 × low-income type enrollee - 0.2271 × delinquency frequency + 0.9714 × delinquency action + 0.0851 × reduction)]. The prediction performance is an accuracy of 86.0%, sensitivity of 87.0%, and specificity of 84.8%. Secondly, individuals were categorized into four types based on livelihood status and payment ability. Particularly, the "support needed group," which comprises those with low payment ability and low-income type enrollee, suggests enhancing contribution relief and support policies. On the other hand, the "high-risk group," which comprises those without livelihood type and low payment ability, suggests implementing stricter default handling to improve collection rates. Conclusion: Upon examining the regression equation of the prediction model, it is evident that individuals with lower income levels and a history of past defaults have a lower probability of payment. This implies that defaults occur among those without the ability to bear the burden of health insurance contributions, leading to long-term defaults. Social insurance operates on the principles of mandatory participation and burden based on the ability to pay. Therefore, it is necessary to develop policies that consider individuals' ability to pay, such as transitioning livelihood-type defaulters to medical assistance or reducing insurance contribution burdens.

• 농촌의학ㆍ지역보건
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• 제6권1호
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• pp.73-81
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• 1981

This study was designed to analyze the result of Tb worker's activities on the performance of follow up program as part of the government tuberculosis program. The specific objectives of this study was also to improve the method of managing the patient who were registered at health center by the setting the priorities depend upon in their results of sputum examination and X-ray examination. All the medical records of 509 patients who were dropped out from government health center in Kyongnam area during 1978, were analyzed and interpreted. Followings are the result of the study. 1. The number of investigated cases were 509 (356% males and 153 females), by age the most prevalent group was 20~29 year old group as 27.3% and 20~40 year old group was 61.5%, above 61 year old was 14.9%. 2. The microscopic result of their sputum was positive in 52.1%, and by X-ray examination moderate advanced case was 63.9% minimal 18.5% and far advanced 17.6% in order. 3. Average duration of treatment was 9.03 months, 11.4 months in microscopic positive cases and 6.5 months in negative cases. 4. Conversion rate of microscopic positive case was 42.9% on sputum culture, in the negative cases, it was confirmed in negative 20.1% only by the initial sputum culture. 5. The rate who get take X-ray and sputum examination among any family member of the patients was 43.4% in positive cases, 20.9% in negative cases. 6. 80.2% of positive cases took X-ray for following up in every 6 month after registration, 41.0% in negative cases. 7. Defaulting reasons which recorded in individual card were undetermined reason (42.0%), treating elswhere (22. 4%), refused treatment (17.9%) and moved out (17.7%).