• Asia Marketing Journal
• /
• 제14권1호
• /
• pp.1-24
• /
• 2012

본 연구는 고객만족과 기업가치 성과간의 관계를 분석하는 것이 목적이다. 기업가치성과는 주가와 신용등급으로 나눌 수 있는데, 전자는 기업의 시장가치이고 후자는 자금조달비용이라 구분하여 사용되고 있다. 고객만족과 주가와의 관계는 비교적 오래전부터 연구되어 왔으나 신용등급과의 관계는 최근 들어 연구되기 시작하였다. 대표적으로 Anderson and Mansi(2009)의 연구에서는 양자가 긍정적으로 관련된 것으로 밝혀졌으나, 윤상운(2010)이 국내자료를 사용한 연구에서는 그 관계가 입증되지 못하였다. 일치하지 않는 두 연구의 결과에서 아이디어를 얻어 본 연구에서는 고객만족이 신용등급에 긍정적 영향을 미치는 것으로 보고 이를 검증하였다. 두 연구에서 사용한 모델을 참고로 하였고 특히 우리나라 실정에서는 정부지원이 중요한 변수임을 감안하여 이를 포함한 연구모형을 설정하여 검증한 결과 긍정적 관련성이 있는 것으로 나타났다. 추가분석에서 자산규모가 큰 기업보다 작은 기업에서, 제조업보다 서비스업에서 고객만족이 신용등급에 더 유의한 긍정적 영향을 미치는 것으로 나타났다.

• Asia Marketing Journal
• /
• 제12권2호
• /
• pp.155-175
• /
• 2010

본 연구는 관계혜택과 브랜드 동일시에 관한 탐색적 연구로서 충성도에 긍정적인 영향을 미치는 것으로 알려져 온 관계 혜택과 브랜드 동일시를 함께 고찰하려는 데에 목적이 있다. 관계 혜택과 브랜드 동일시는 각각 충성도와 유의한 관계가 있는 것으로 잘 알려져 왔으나, 그들 간의 관계를 함께 살펴본 연구는 거의 없는 실정이다. 한편으로는 카드산업에서 관계혜택이 중요한 전략적 요소인 동시에 최근에는 브랜드 개성과 이미지를 카드에 연결시키려는 시도를 하고 있다. 따라서 본 연구에서는 관계 혜택과 충성도와의 관계를 브랜드 동일시가 매개할 것으로 보고 그 영향을 탐색하였다. 결과적으로 관계혜택 차원, 즉 확신적 혜택과 특별대우혜택이 개인적 동일시와 사회적 동일시에 영향을 미치고, 개인적 동일시가 충성도에 영향을 미치는 것으로 나타났으며, 특히 확신적 혜택은 충성도에 직접적인 영향도 있는 것으로 나타났다.

• Human Ecology Research
• /
• 제61권3호
• /
• pp.297-318
• /
• 2023

The purpose of this study was to develop a high school home economics financial consumer education program based on backward design and validation by experts. The program was designed and developed by first selecting learning content elements through a review of existing research and an analysis of relevant literature. The next step was to categorize these elements into seven themes and apply the backward design instructional design model 2.0. The program was prepared in the form of a 21st teaching-learning course plan and workbook and was verified by nine home economics teachers with working experience in high school. The evaluation revealed that the average value for all questions was 3.81 (out of 4 points) and the CVR was .99, indicating that the program was valid. In addition, positive evaluations were received in terms of learning goals, content level, and learner participation by class. This study has significance in that a systematic financial consumer education program was developed by Education of Home Economics to improve the financial literacy of high school students. It can therefore be used as an elective course (mini-course) in Home Economics in the high school credit system. A follow-up study will be required to assess the improvement in financial literacy after implementing this program.

• 공학교육연구
• /
• 제9권1호
• /
• pp.5-19
• /
• 2006

이 연구는 그 동안 시행되어왔던 국가자격 학점인정 기준과 더불어 국가공인 민간자격 학점인정 방안에 대한 종합적인 검토를 통해 합리적이고 타당한 학점인정 기준을 수립하고자 하며, 자격을 통해 인정받을 수 있는 학점인정 상한선 제도 도입과 학점 은행제의 직무체계를 개선하는데 목적이 있다. 첫째, 자격의 과다 학점인정 문제를 해결하기 위한 학점인정 개선 기준은 전문가를 활용한 델파이 조사를 통하여 실시하였다. 학위수준별 최대 인정 가능 자격의 수를 제한, 동일 직무분야의 능력에 대해서는 최상위 자격만 인정, 자격별 동일 시험과목이 있을 경우 중복 시험과목당 학점 감산제를 통해 두개 이상 자격 취득시 동일 시험과목을 중복하여 학점을 인정받지 못하도록 하였다. 둘째, 기존 자격분류체제로는 늘어나는 자격의 적절한 분류가 어려워 한국직업능력개발원이 연구한 결과를 바탕으로 제시한 KRIVET 자격분류표를 기준으로 한국교육개발원에서 활용할 수 있도록 수정 보완한 신규 자격분류체제를 제시하였다.

• 융합경영연구
• /
• 제9권5호
• /
• pp.39-50
• /
• 2021

Purpose: This study is to analyze the changes of consumption patterns to diagnose the economic impacts on consumers' market during COVID-19, and to suggest implications to overcome the new social and economic crisis of Jeju Island. Research design, data, and methodology: We collected a set of credit card transaction records issued by BC Card Company from merchants in Jeju Special Self-Governing Province for past 4 years from 2017 to 2020 from the Jeju Data Hub run by Jeju Special Self-Governing Province. The big data contains details of approved credit card transactions including the approval numbers, amount, locations and types of merchants, time and age of users, etc. The researchers summed up amount in monthly basis, transforming big data to small data to analyze the changes of consumption before and after COVID-19. Results: Sales fell sharply in transportation industries including airlines, and overall consumption by age group decreased while the decrease in consumption among the seniors was relatively small. The sales of Yeon-dong and Yongdam-dong in Jeju City also fell significantly compared to other regions. As a result of the paired t-test of all 73 samples in Jeju City, the p-value of the mean consumption of the credit card in 2019 and 2020 is significant, statistically proven that the total consumption amount in the two years is different. Conclusions: We found there are sensitive spots that can be strategically approached based on the changes in consumption patterns by industry, region, and age although most of companies and small businesses have been hit by COVID-19. It is necessary for local companies and for the government to be focusing their support on upgrading services, in order to prevent declining sales and job instability for their employees, creating strategies to retain jobs and prevent customer churn in the face of the crisis. As Jeju Province is highly dependent on the tertiary industry, including tourism, it is suggested to create various strategies to overcome the crisis of the pandemic by constantly monitoring the sales trends of local companies.

• 아태비즈니스연구
• /
• 제11권3호
• /
• pp.63-77
• /
• 2020

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

• 대한건축학회논문집:계획계
• /
• 제35권10호
• /
• pp.3-10
• /
• 2019

The high school credit system is a system in which students select complete various subjects, depending on their career, and graduate when their accumulated credit reaches the standard. It is expected that the high school credit system, which guarantees the individual's right of choice, will bring an educational effect that can respond to the student's career aptitude. However, it is expected that problems in the aspect of school life, such as the weakening of class belongingness or difficulty of securing a stable base venue within the school building would be accompanied. This research analyzed students' usage condition depending on the living base space environment feature in schools that are implementing moving-selective class in the aspect of activity domain formation and contemplated the venue evaluation. The purpose is to provide the basic data of an architectural plan of a stable living base space within the school building through this. 'Living base center type' and 'living base dispersion type' school buildings among Japanese integral department high schools were used as the target to analyze the usage condition in the aspect of domain formation. As a result, a conclusion was deducted that student's securement of territory consciousness about the base space and venue construction for the community of various studying groups affects life satisfaction.

• 복식
• /
• 제57권7호
• /
• pp.1-14
• /
• 2007

This study investigates the differences between the satisfaction factors of store characteristics depending on on-line clothing store type and its satisfaction index. The collected data were analyzed by using SPSS 10.0 software with various techniques such as paired t-test, T-test, Cronbach's ${\alpha}$ reliability and factor analysis that use principal component analysis and Varimax orthogonal rotation were used. The results are summarized as follows: 1. By categorizing the level of on-line store characteristics satisfaction depending on its type, clarifies the differences between its satisfaction. The satisfaction rank of general merchandise store was as followed: searching and approaching system, buying process service, screen-displayed design, product, store credit. On the other hand, the satisfaction rank of general store was as followed: screen-displayed design, store credit, buying process service. 2. By analyzing the difference of satisfaction depending on the store type, it was found that general merchandise store was more satisfied with screen-displayed design, approaching and searching, whole payment process, the safety of payment and shipping service, security service when compared to specialty store. It was also found that specialty store was more satisfied with the variety of product, update of rare items, quality and price of product. 3. By analyzing the difference between the type of on-line clothing store satisfaction depending on age, in the case of general merchandise store, the result showed that people in their thirties were more satisfied with buying process service, store credit, customer management system when compared to twenties. In the case of specialty store, the result showed that people in their twenties were more satisfied with customer management service when compared to thirties, and when it came to buying process service, it was vice versa.

• 산경연구논집
• /
• 제8권4호
• /
• pp.15-21
• /
• 2017

Purpose - In this work, we examined the causal relationship between credit loans from households (CLH), loan collateralized with housing (LCH) and an interest of certificate of deposit (ICD) among others in South Korea. Furthermore, the optimal forecasts on the underlying model will be obtained and have the potential for applications in the economic field. Research design, data, and methodology - A total of 31 realizations sampled from the 4th quarter in 2008 to the 4th quarter in 2016 was chosen for this research. To achieve the purpose of this study, a regression model with correlated errors was exploited. Furthermore, goodness-of-fit measures was used as tools of optimal model-construction. Results - We found that by applying the regression model with errors component ARMA(1,5) to CLH, the steep and lasting rise can be expected over the next year, with moderate increase of LCH and ICD. Conclusions - Based on 2017-2018 forecasts for CLH, the precipitous and lasting increase can be expected over the next two years, with gradual rise of two major explanatory variables. By affording the assumption that the feedback among variables can exist, we can, in the future, consider more generalized models such as vector autoregressive model and structural equation model, to name a few.

• Asian Journal of Business Environment
• /
• 제8권1호
• /
• pp.23-29
• /
• 2018

Purpose - The purpose of this research is to make a comparative assessment of People Credit Funds (PCFs) ranking in Vietnam between the Circular No. 42/2016/TT-NHNN dated December 20, 2016 with the Decision No. 14/2007/QD-NHNN dated 09/4/2007 issued by the Governor of the State Bank. Research design, data, and methodology - This study is mainly based on the Circular No. 42/2016/TT-NHNN dated December 20, 2016 and the Decision No. 14/2007/QD-NHNN dated 09/4/2007 issued by the Governor of the State Bank on PCFs ranking. Results - The study paper has shown positive changes in PCFs ranking in Vietnam in accordance with the Circular No. 42/2016/TT-NHNN, such as increasing Capital Adequacy Ratio (CAR), maintaining CAR, improving assets quality, developing indicators of governance, management and control capability. These changes have implications for the development and efficient performance of PCFs in Vietnam. Conclusions - The classification and evaluation of PCFs will contribute to its healthy development. These finding support PCFs to understand more about rating methodology, significance of rating system and the importance of improving their rating. PCFs in Vietnam desire to develop their business effectively, they need to understand exactly and comply fully with regulations related to their field of operations.