• Journal of Families and Better Life
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• v.23 no.2 s.74
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• pp.77-91
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• 2005

The purpose of this study is to investigate general tendencies in credit card use, and determine the causes of the use of cash advance service and deferred payment among college students. Socio-demographic variables(gender, year in college, allowance, family income, parents' education and occupation, having taken a personal financial management course), knowledge and attitudes toward credit card, and financial management practices were incorporated as antecedent variables. Logistic regression analysis and multiple regression analysis were conducted to test the hypotheses. The results were as follows ; First, $32\%$ of the college students with no regular income experienced deferred payment, and $60.4\%$ of them had used a cash advance service. Second, the frequency and amount of cash advance service use were affected by family income, financial practices, and allowance. The financial practice as a parameter was affected by their completion of a personal finance course and their allowance. Third, deferred payment of credit was affected by their knowledge on credit cards and their financial practices. The financial practices as a parameter were affected by the family income and their completion of a personal finance course, and the knowledge on credit cards was affected by gender. Lastly, implications and suggestions for credit card use behavior research and consumer credit education are discussed in this article.

• Journal of Family Resource Management and Policy Review
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• v.22 no.2
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• pp.25-43
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• 2018

The purpose of this study was to analyze the factors that influence middle-aged people's retirement planning and financial preparation for old age. The data was derived from "the National Survey of Families 2015". The samples included 1,462 people from 40 to 64 years of age. The findings from the analysis showed that the level of retirement planning was significantly associated with gender, age, education level, employment status, monthly family income, monthly expenditure on spending to support parents, and perceived household economic condition. When the samples were divided by sex, the results showed that the perceived household economic condition was the most significant factor for both men and women's level of retirement planning. Age and education level were the significant factors for women's level of retirement planning but not for men's. Logistic regression was used to analyze whether middle-aged people made financial preparation for old age. For the whole sample, whether or not a person was a regular employee, monthly family income, monthly expenditure on supporting parents, perceived household economic condition, and retirement planning were significant variables in determining financial preparation. For men, whether or not a person was a regular employee, monthly family income, perceived household economic condition, and retirement planning were significant factors, for women whether or not a person was a regular employee, and retirement planning were the significant factors in determining financial preparation. The results implied that retirement planning is needed for middle-aged people to prepare for old age financially while the financial preparation should differ depending on sex.

• Journal of Family Resource Management and Policy Review
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• v.1 no.1
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• pp.131-140
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• 1997

The Purpose of this study were to examine the relationship between the motive of revolving credit card in the use of credit and financial management. The Samples were composed of 239 housewives in Seoul. The data were analized using frequency, percentages, and multiple regression. The major findings are summarized of follows : 1) Two-thirds of repondents used credit card over optimum standards. 2) Although the level of the motive of revolving credit in the use of credit card was not high, it was negative to financial management in the case of low-income household. 3) The contents of consumer education has to provide according to a different income class.

• Journal of Korean Home Economics Education Association
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• v.32 no.3
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• pp.81-96
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• 2020

This study aims to identify implications for the role of home economics in consumer education in middle schools focusing on building consumer competency. To this end, the content in middle school textbooks of home economics and other subjects, written according to the 2015 revised curriculum, were analyzed. This study examined consumer education content based on the consumer competency measurement index developed by the Korean Consumer Agency, and reviewed different foci presented by subjects. This study also investigated how the knowledge, attitude and practice, which are components of consumer competency, are presented. The major findings of this study can be summarized as follows: First, consumer competency content, presented in textbooks of home economics and other subjects, were comprised of citizenship competency(65.3%), transactional competency(27%), and financial competency(7.7%). Second, in terms of content on the consumer's citizenship competency, little attention was paid to consumer rights, revealing an imbalance between responsibilities and rights. Third, despite its importance, the "utilization of information and communications technology" in transaction competency, and "consumer participation" in citizenship competency are insufficiently covered in the home economics. Fourth, social studies was the subject that most extensively covered the content of consumer competency. In terms of scope, home economics dealt with most of the sub-fields. Fifth, even when the same content of consumer competency was covered, it was presented differently by subject. Sixth, there was a lack of connection between components of consumer competency-knowledge, attitude, and practice, with a disproportionately high emphasis on knowledge. In conclusion, this study concluded that consumer education content of middle school subjects is insufficient to enhance consumer competency.

• Journal of Family Resource Management and Policy Review
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• v.20 no.1
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• pp.61-87
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• 2016

The purpose of this study is to demonstrate how having a family care program in the workplace for working women with preschool children affects these women's work and family life. This study employs a panel analysis based on data from the Korean Longitudinal Survey of Women and Families. The major results are as follows. First, financial support for nursery care is only significantly related to the turnover of married women with preschool children. Second, the negative effects of work on the family are significantly influenced by financial support for nursery care and maternity leave. Third, financial support for nursery care is also significantly related to the positive effects of work on the family. In conclusion, a family-friendly care program including financial support for nursery care and maternity leave in the workplace is an important support system for working mothers in raising their children.

• Journal of the Korean Home Economics Association
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• v.20 no.1
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• pp.65-77
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• 1982

The intent of this study was to focus attention on the relationship between curtain fabrics and consumer perceptions towards curtains and draperies. This study consisted of the laboratory test for thermal transmittance of selected fabrics and the exploratory survey for consumer perceptions towards curtains and draperies. The objectives of the laboratory test were to measure fabric's thermal transmittance, thickness, and count which affect to the effect in heat controlling. Selected 23 fabrics were tested at Korean Yarn and Fabrics Testing Inspection Institute. The objectives of the exploratory survey were to determine sociodemographic factors; the stage of family life cycle, the economics status, and homemaker's level of education, and physical factors; the type of houses, the direction of windows, and the type of windows, affect consumer perceptions toward curtains and draperies. Questionaires were administered to 489 homemakers selected by a stratified propotional sampling plan, in Seoul in October, 1981. Data from responses were analyzed by T-test(Analysis of Varience) and Partial Correlation. The major findings are as follows; 1. The results of the laboratory test 1) The fabrics used for draperies had higher effect in heat controlling than the fabrics used for glass curtains. 2) It did not show much differences among the fibers in heat controlling. The thicker fibers, however, had the higher effect in heat controlling among same fibers. 3) The fabrics which had high level of effect I heat controlling were corduroy, flax, rayon, nylon, acetate, thick polyester, and thick polyacrylic. The fabrics which had midium level of affect in heat controlling were velveteen, velvet, and thin polyester. The fabrics which had low level of effect in heat controlling were cotton, silk, and thin polyarcylic. 4) The draperies with lining showed 2∼5 times more effective in heat controlling than the draperies without lining. 2. The results of the exploratory survey Consumer perceptions towards curtains and draperies consisted of functional, financial, and aesthetic perception. 1) Factor affecting functional perception towards curtains and draperies was the stage of family life cycle. Families in the contracting stage considered function of curtains and draperies significantly better than those in others stages. 2) Factors affecting financial perception towards curtains and draperies were the economic status, homemaker's level of education, the direction of windows, and the type of windows. However the correlation between the factors and financial perception was too low to explain the significance of tendency. 3) There was not any factors affecting aesthetic perception towards curtains and draperies.

• Journal of Family Resource Management and Policy Review
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• v.6 no.2
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• pp.133-142
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• 2002

The purpose of this study was to compare characteristics between the parents who saved money for their children's college education and those who did not, in an effort to identify the factors influencing the decision to save. From 1998 Survey of Consumer Finances (SCF), a sample of 1,085 family households was employed. Logistic regression analysis was used to examine the probability of saving for college education. The results showed that higher incomes and financial assets significantly increased the probability of saving for children's college education. The married couples who had higher education and larger household sizes were more likely to save. The age of the youngest child was a significant positive factor in the probability of saving for college education

• The Journal of Asian Finance, Economics and Business
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• v.3 no.4
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• pp.39-42
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• 2016

NFPs support a sustainable society and they rely on contributions from donors. Donor behavior is a kind of consumer behavior that influences fundraising by NFPs. In order to make fundraising functional under a principal-agent relationship, NFPs must construct trust through proper provision of accounting information. For donors, financial statements are main source of accounting information. Edelman revealed that the level of trust in Japan's NFPs is the lowest in East Asia, because of a lack of transparency and accountability. Some researchers had investigated donor behavior as a kind of consumer behavior and had provided supportive results that accounting information influences donor behaviors, before this research was conducted. This research investigates this background by conducting questionnaire-based survey. Main questions of this questionnaire were created according to criteria that BBB are using for NFPs in the U.S. The results of this survey revealed the lack of reliability of basic accounting information in Japan and that education in higher educational institutions can improve this situation. This survey also revealed that a rating agency like BBB, which evaluates accounting information of NFPs, could improve trust on NFPs. The implications of this study can apply to the other countries and regions where trust in NFPs is insufficient.

• Korean Journal of Agricultural Science
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• v.45 no.4
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• pp.889-903
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• 2018

The purposes of this study were to classify consumer types and to analyze purchase behavior depending on food safety attitudes related to the Fukushima nuclear accident. Based on the consumer survey data, factor analysis and cluster analysis were done to classify consumer types. Applying factor analysis, six factors with a total variance of 73.4% were extracted from 22 basic variables. The 6 factors were termed 'anxiety from ingesting agricultural and fishery products after the nuclear accident', 'importance of food safety when purchasing food', 'reduced rate of purchases of agricultural and fishery products after the accident', 'importance of food prices', 'socio-demographic characteristics' and 'family composition'. Using cluster analysis, consumers were classified into 5 types using the factor scores of 6 factors. The main results are as follows. For every consumer type, the anxiety about imported agricultural and fishery products was higher than that for domestic products after the nuclear accident. The food safety attitudes of consumers were mainly formed by the socio-demographic characteristics. Consumer types with high-education and high-income responded flexibly to the food safety concerning the accident; especially, the consumer type with a high-income and kids under 19 responded very reasonably to the accident. However, consumer types with a low-income and aged over 50 or less than 30 years were the least responsive to the accident, mainly due to financial restrictions. Thus, we suggest some food safety strategies and policy implications based on consumer type for food safety after the accident.

• Journal of Families and Better Life
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• v.26 no.5
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• pp.1-14
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• 2008

The purpose of this study was to examine factors contributing to financial resources interchange type and amount of the middle aged and the elderly household. For this study, the 6th KLIPS data was used, and sample size was 1,679 households including those with head of household being over the age of 50. Statistical analysis was conducted to examine frequency, percentile, mean and standard deviation, Pearson's correlation, Anova, Duncan's multiple range test and Heckman analysis First, Interchange amount of Benefits type household was significantly different according to the householder's gender, existence or nonexistence of a spouse, age, educational background, home ownership, family type and place of residence. However, interchange amount of provide- type households were significantly different according tohouseholder's gender, existence or nonexistence of a spouse, educational background, whether retired or not, and home ownership. Second, The receptive type of households and net receptive expense of households in terms of the financial resources interchanges and the findings of Heckman analyses suggest that the variables to have a significant effect on the receptive types of financial interchanges were as gender, age, education level, retired or not, and current economics. Factors having an effects on net receptive expense were age, and family type and for the number of receptive of financial resources, whether there is the receptive of financial resources, total income, total asset. Third, The supplying type of households and net supplying expense of households in terms of the financial resources interchanges, whether or not the type of financially supplying households is significant were residential area, total income, house ownership. Factor having an effect net supplying expense were age, family type, whether there is the supplying of financial resources, family satisfaction, and house ownership.