• Title/Summary/Keyword: financial attitudes

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The Effects of Homeownership on Welfare Perceptions (자가소유가 복지인식에 미치는 영향)

  • Paik, Jong-Gyu
    • Journal of the Korean Society of Industry Convergence
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    • v.25 no.6_3
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    • pp.1261-1273
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    • 2022
  • Homeownership is much more than a financial calculation. It is a socio-psychological phenomenon. During the last decade studies of homeownership have demonstrated a positive link between homeownership and positive social outcomes including welfare perceptions and attitudes. This study compared welfare perceptions between homeowners and renters in Korean Welfare Panel Survey using data collected in 2019. The study analyzed six continuous outcomes of welfare perceptions. Six variables indicating welfare perceptions included: (1) welfare and work disincentives; (2) welfare recipients are lazy; (3) welfare selectivism; (4) national minimum; (5) free university education and; (6) free child care and kindergarten. This study acknowledged bias arising from selection on observables. To control these biases, this study employed analytical approaches including the treatment effect model. Results of this study confirmed that attainment of homeownership is not possible for everyone. Findings from this study have provided some evidence that homeowners and renters have different perceptions on welfare listed above. Finally, issues relating to homeownership and welfare perceptions were discussed. Implications for social work practice and research were further discussed.

A Study on Supervisor Satisfaction and Work-related Attitudes of Workers: Northern Thailand after the 2008 Global Financial Crisis (관리자 만족이 근로자의 직무관련 태도에 미치는 영향에 관한 연구 : 2008 국제금융위기 후 태국 북부의 근로자를 중심으로)

  • Kim, Byong Shik
    • The Southeast Asian review
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    • v.20 no.3
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    • pp.183-222
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    • 2010
  • 본 연구의 목적은 2008년 후반에 발생한 국제금융위기에 대응하여 조직 개편을 선택한 기업과 그 기업 내의 근로자들 실태 파악을 하는데 있다. 특히 기업구조조정 명목으로 단행된 해고를 모면한 근로자들 (생존자)의 상태를 그들이 지각하는 각 개인의 관리자에 대한 만족도와 그들의 직무관련태도인 직무만족, 조직적 몰입 그리고 이직 의도 간의 관계 관점에서 살피고자 한다. 관리자에 대한 만족도는 근로자들의 직무 관련 태도 변수와 관련되어 사회적 선행변수로 선택되었으며 직무관련태도는 결과변수로 선택하였다. 본 연구를 통해 생존자들의 조직 내 직무관련태도에 관한 이해를 높이는데 필요한 정보를 표출해내어 그들의 실태를 파악하는데 하나의 목적을 두었으며 그들의 관리자와의 사회적 관계가 그들에게 미치는 영향을 파악하는 것이 또 하나의 목적이라 하겠다. 이상과 같은 관계 파악을 통해 얻은 정보로 관련기업이 단기적으로 성공적인 자립을 하여 장기적으로 경쟁력 있는 조직으로 성장할 수 있는 인적자원전략을 제공하는데 2차적인 목적을 두고 있다. 본 연구는 이상과 같은 목적을 달성하고자 그 유의성이 증명된 현존하는 설문을 활용한 조사기법을 채택하여 실증연구를 하였다. 수집한 자료는 SPSS 17.0과 LISREL 8.5을 사용하여 연구모형과 연구의 가설들을 검증하였다. 연구목적을 달성하고자 채택된 가설들은 기존의 문헌연구를 토대로 세워졌다. 연구대상은 태국 북부지역의 대표도시인 치앙마이 내 관광호텔 종사자들로서 외부적으로는 2008년 국제금융위기와 그에 따른 경제침체, 내부적으로는 극심한 정치적 사회적 불안에 의한 관광객의 급감소와 조직의 자구책으로 행해진 조직재구조 차원에서의 해고를 이겨낸 근로자들, 즉 생존자들이었다. 가설검증을 통해 입증된 연구결과에 의하면 1) 근로자들의 관리자에 대한 만족은 그들의 직무만족, 정서적 조직몰입과 지속적 조직몰입에 영향을 미치는 것으로 검증됐다. 2) 근로자들의 관리자에 대한 만족은 그들의 이직의도에는 영향을 미치지 못하는 것으로 검증됐다. 3) 근로자들의 직무만족은 그들의 이직의도에 영향을 미치는 것으로 검증되었다. 4) 근로자들의 조직적 몰입과 이직의도 간의 관계에 있어서는 오직 경제적 성격의 지속적 조직몰입만 영향을 미치는 것으로 검증되었다. 이러한 연구 결과는 기존의 타 연구 결과와 기본적인 맥락은 같게 나왔으나 근로자들의 정서적인 면의 부재는 2008년 후반 당시의 독특한 태국의 사회적, 경제적 그리고 문화적 실태를 보여주는 것이 아닌 가 사료된다. 특히 근로자들이 그들의 직장과의 관계와 관련된 의사결정을 가치가 아닌 경제적인 요소에 의존한다는 결과 그리고 상관인 관리자가 이러한 태도에 전혀 영향력을 미치지 못한다는 결과는 전통적으로 감성적이며 집단주의적인 동양적 문화가 지배하리라고 예상했던 태국에서는 이례적인 결과였다. 그러나 관리자들이 그들의 직무만족 그리고 조직적 몰입에 영향을 주며 직무만족이 이직 의도에 영향을 미친다는 결과와 지속적 조직몰입이 이직의도에 영향을 미친다는 결과는 장기적으로 적극적인 관리자 교육을 통해 근로자들을 조직에 정서적으로도 올바르게 안착시키고 긍정적인 구성원으로 존재하면서 조직에 기여할 수 있는 그들의 역할을 기대할 수 있다고 볼 수도 있다. 이 점은 매우 중요한데 그 이유는 해고를 이겨낸 근로자들은 그 조직이 미래를 짊어지는 마지막 기대변수이기 때문이다.

Security and Trust on Non-Contact Financial Transaction (금융보안과 신뢰가 비대면 금융거래에 미치는 영향)

  • John, Yong-Jean
    • Journal of Digital Convergence
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    • v.19 no.7
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    • pp.147-154
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    • 2021
  • The pandemic age came to us after the COVID19 broke out in the early of 2020, which resulted in many changes in our everyday life. One of the changes is non-contact transactions in economic activities, especially contact-free financial transactions are ever-increasing activities in the pandemic age. In non-contact financial transactions, security and trust are important issues that users are concerned about the most. So the paper examines how security and trust have effects on the attitudes of bank customers who use mobile banking applications on their smartphones. The study conducted factor ananlysis to extract research constructs using survey data gathered during Nobember of 2020 through February of 2021 across the nation. After extracting the constructs, the study checked validity, sampling adequacy, and internal reliability with KMO, Bartlett's test, and Crombach Alpha respectively. To make sure the purpose of the study, I do regression analysis. All factors of attitude had impacts on willingness on both of transactions and purchasing financial products. The results could give guidelines banks which want to attract more customers in open-banking environment through ever-more secure and trusty mobile banking application.

A Qualitative Exploration of Intentions of Financial Chatbot Service (금융 챗봇 서비스의 사용 의도에 대한 질적 탐색)

  • Kim, Wonil;Yoon, Hyun Shik
    • Journal of Digital Convergence
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    • v.19 no.11
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    • pp.181-199
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    • 2021
  • Recently, financial companies are promoting chatbot services in line with the reduction of branches and the expansion of non-face-to-face services. However, it is difficult to expand the chatbot services at once in the presence of technical limitations and constraints of internal and external environment. Therefore, it is necessary to analyze the various situations of chatbot service to preemptively identify problems that can occur in stages and seek solutions. This study conducted interviews with 12 field practitioners and researchers to examine the intentions and behaviors of financial chatbot service users and interpreted them using TPB. The study revealed the characteristics of 'feelings and attitudes' such as convenience or inconvenience from the chatbot experience, 'subjective norms' such as herd behavior or the yearning for empathy of others, and 'behavioral control' according to the recognition of difficulty or convenience of chatbot use process. This study shows that this characteristic can affect the intention and actual behavior of users to use chatbot service continuously. In the future research, it is necessary to empirically study specific intentions and influence factors for actual users.

Perceptions of Prophylactic Mastectomy in Korea

  • Yoon, Han Young;Shim, Jeong Su;Lee, Jong Won
    • Archives of Plastic Surgery
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    • v.43 no.1
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    • pp.53-58
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    • 2016
  • Background Increasingly, prophylactic mastectomy has been evaluated as a treatment of breast cancer. Hereditary breast cancer now accounts for approximately 5%-10% of all cases of breast cancer, meaning that the widespread implementation of prophylactic mastectomy may significantly reduce the occurrence of breast cancer. However, prophylactic mastectomy is rarely performed in Korea. Therefore, in this study, we assessed Koreans' attitudes toward and awareness of preventive mastectomy. Methods This was a prospective study of a cohort of patients attending outpatient clinics and their relatives. Data were collected using self-administered questionnaires assessing sex, age, educational level, knowledge of breast cancer, understanding of prophylactic mastectomy, attitudes toward prophylactic mastectomy, and reasons for choosing prophylactic mastectomy. Results Sixty-five patients were included. Most patients (36.9%) were between 40 and 49 years of age and 58.4% were college graduates. Only six respondents (9%) understood prophylactic mastectomy, and 17 respondents (27%) stated that they would agree to undergo prophylactic mastectomy if necessary. Reasons given for refusing prophylactic mastectomy included aesthetic concerns (38%), the perception that it would not cure the disease (26%), possible surgical complications (24%), and financial cost (6%). Conclusions In this study, most of the respondents showed a poor knowledge of prophylactic mastectomy. Ultimately, it will be necessary to establish medical guidelines for patients with a high risk of breast cancer, with the objective of providing accurate information and proper treatment at hospitals.

Influencing Factors on the Acceptance for Crowd Funding - Focusing on Unified Theory of Acceptance and Use of Technology - (크라우드펀딩 참여의도에 영향을 미치는 요인 -통합기술수용 모델을 중심으로-)

  • Kim, Sang-Dae;Jeon, In-Oh
    • Journal of the Korean Institute of Intelligent Systems
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    • v.27 no.2
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    • pp.150-156
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    • 2017
  • In July, 2015, the Korean national assembly passed 'Act on Capital Markets and Financial Investments,' and therefore, it was expected that the crowd funding would be activated owing to a variety of fundraisings and investments. Hence, for the success of the crowd funding, this paper tried to identify the factors affecting the funding. In this study we analyzed the core variables of the Unified Theory of Acceptance and Use of Technology(UTAUT) and their perceived risks on the crowd funding participants' intentions as well as the mediating effects of the attitudes; the core variables of UTAUT were performance expectancy, perceived risk, facilitating conditions, social influence, and the like. As a result, it was found that such facilitating conditions as performance expectancy and social influence would affect crowd funding participants' intention positively, but that effort expectancy and perceived risk would not significantly affect their intention. On the other hand, as a result of testing the mediating effects of the attitudes, it was found that performance expectancy and social influence would have significant mediating effects on participants' intention.

Critical analysis on discourse of Single-Person Households in Korean newspapers: Implications to family studies (일인가구를 둘러싼 신문기사분석 : 가족학 연구에 관한 시사점을 중심으로)

  • Kim, Young Joo;Byun, Yu Jung;Cha, Seung-Eun
    • Journal of Family Relations
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    • v.23 no.2
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    • pp.67-87
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    • 2018
  • Objectives: The purpose of this study is to critically review the recent discourse on single-person households (SPH) that appeared in Korean newspapers. Specifically, we analyzed articles in five major daily newspapers, which are representative of the media in Korean society, and examined the types of titles, subjects, and contents of articles in which SPH were mentioned. Method: For this purpose, 538 articles on SPH or "living alone" that appeared in the five major Korean newspapers during 2011-2017 were analyzed using content analysis methods. Results: Our analysis revealed eight major topics(living arrangement and household characteristics; financial instruments; food, clothing, and housing culture; policy; welfare; relationships; safety; values and attitudes). The results show that there is a surge of articles portraying neutral images of SPH in Korean newspapers, thereby emphasizing the recent growth in the number of SPH and the information relating to this population group. Although negative images of SPH continue to exist in the discourse, in recent times we found these attitudes to have become less prevalent compared to neutral images or even positive discourse. We also found that the discourse on these topics and arguments can be divided into four themes-the diversity of SPHs, the solo economy for single households, safety issues, and social relationships. Conclusions: Theoretical and policy implications on family studies relating to SPH are discussed.

The Influence of Moral Behavior, Biomedical Ethics Consciousness, and Death Attitudes on Hospice Awareness in Nursing Freshman (간호학과 1학년의 도덕적 행동, 생명의료윤리 의식, 죽음 태도가 호스피스 인식에 미치는 영향)

  • Kim, Jeong-Sook;Je, Nam-Joo
    • Journal of Digital Convergence
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    • v.19 no.1
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    • pp.275-284
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    • 2021
  • The purpose of this study was to provide basic data for developing hospice intervention strategies that can enhance hospice care perception plus attitude toward death of nursing students by grasping the factors affecting the perception of first grade students. Data were collected from 185 nursing students at J university in G-do. Analysis was done using t-test, ANOVA, Pearson correlation coefficient, and Multiple regression with IBM SPSS WIN/25.0. Hospice care perception was correlated to moral behavior (r=.22, p=.002) and biomedical ethics consciousness (r=.29, p<.001). The most influential factor on the subjects' hospice care perception was biomedical ethics consciousness (β=.224, p=.012), followed by high financial competence of parents (β=.187, p=.027). The explanatory power was 11.5%. Therefore, systematic programs that can enhance moral behavior and biomedical ethics consciousness are necessary to promote awareness of hospice care. Also, the following data can be utilized as basic data to help develop hospice education programs.

Multiple Implications of the Restoration of Coastal Wetland Ecosystem and the Establishment of a Strategic Restoration Framework (갯벌복원의 함의와 복원추진체계 구축에 관한 연구)

  • Nam, Jungho;Son, Kyu-Hee;Khim, Jong Seong
    • Ocean and Polar Research
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    • v.37 no.3
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    • pp.211-223
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    • 2015
  • Korean society has been recently promoting the restoration of coastal wetlands. These efforts might become the basis of a policy framework that compensates for the limitations of a regulation-oriented policy such as the designation of Marine Protected Areas (MPAs). The shift in government policy could contribute to strengthening the socioeconomic infrastructure of coastal development through the accumulation of ecological capital. Although our scientific efforts and social demands in regard to the ecological restoration of the coastal wetlands have increased during the past years, the bases for restoration in Korea requires that scientific, technological, financial, social and legal aspects be enhanced. The present study re-examined the concept and attitudes behind coastal wetland restoration in the light of changing circumstances in Korea. Herein, we first defined coastal wetland restoration as "An act of recovering the functions of the ecosystem of coastal wetlands to a state that resembles conditions prior to being damaged." Next, this study discussed the limitations and future directions of such restoration efforts based on the descriptive analyses of recent restoration practices from social, economic, and technological aspects. Finally, we suggest future policy directions regarding coastal wetland restoration on the basis of a PFST (Policy, Financial, Social, and Technological) analysis; 1) re-arranging legal mechanisms, 2) setting multi-dimensional restoration goals, 3) establishing a multi-discipline- and convergence based R&D system, 4) linking spatial management and local development to the restoration, 5) building restoration governance at the local level, 6) implementing an ecosystem service payment system, and 7) applying test-bed projects in accordance with proper directions.

Determinants of the Unification Tax Acceptance and Persuasion Strategy (통일세 수용의 선행 요인과 메시지 유형별 설득 효과에 대한 연구)

  • Kim, Haeyoung;Shin, Myoung-Hwan
    • The Journal of the Korea Contents Association
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    • v.16 no.9
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    • pp.22-39
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    • 2016
  • How to obtain the financial resources has not been sufficiently addressed, although the unification of Korea incurs enormous cost. This study explains what tax payers of Korea think with regard to the unification tax which is a contradictory issue as a financial resource. The authors analyzed demographic factors, an initial attitude to unification and tax system, and the degree of knowledge as independent variables affecting the intention to pay the unification tax. Furthermore, through the prospect theory, the authors found out how the attitudes of tax payers change by providing them with different messages according to whether they support or oppose the unification tax. The results showed that a group who are male, a group who are old, and a group with high income tend to support the unification and the unification tax more than others. And the results presents that a group who has more interests in both the unification and the unification tax and a group who has more knowledge about the unification and the tax system have more willingness to pay the unification tax than others. In addition, with regard to the persuasive effect of distinct message types, a message which conceals the cost of attitude change was demonstrated to be more effective than a message which emphasizes the benefit.