• 가정과삶의질연구
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• 제23권2호
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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.

• 가족자원경영과 정책
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• 제22권2호
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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.

• 가족자원경영과 정책
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• 제1권1호
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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.

• 한국가정과교육학회지
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• 제32권3호
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• pp.81-96
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• 2020

본 연구는 가정교과와 타 교과에 제시된 소비자역량의 내용과 구성요소를 분석하여 학교 소비자교육에서 청소년의 소비자역량을 함양하기 위해 가정교과가 담당해야 할 역할에 대한 시사점을 도출하는 데 그 목적이 있다. 이를 위해 2015 개정 교육과정에 기초하여 집필된 중학교 가정교과와 타 교과인 사회, 도덕, 기술, 국어, 수학, 미술, 체육 교과서를 대상으로 소비자역량 내용, 구성요소를 분석하였다. 소비자역량 내용은 소비자역량을 측정하기 위해 체계화된 한국소비자원의 소비자역량 내용체계를 준거로 활용하여 분석하였고, 소비자역량의 구성요소(지식, 태도, 실천)의 비중과 연계성을 분석하였다. 본 연구의 주요 결과와 시사점을 요약하면 다음과 같다. 첫째, 가정교과와 타 교과에 제시된 소비자역량의 내용에서 재무역량 이 양적으로 매우 부족하였으며, 가정교과는 재무역량 내용을 거의 다루지 않고 있었다. 둘째, 시민역량에서 책임수용은 비중 있게 다루고 있었던 반면, 권리주장과은 소홀히 다루고 있어, 권리와 책임 사이의 균형이 부족함을 확인할 수 있었다. 셋째, 가정교과에서 거래역량의 '정보통신기술활용'과 시민역량의 '소비자 참여'의 내용을 소홀히 다루고 있어 보완이 필요하였다. 넷째, 사회교과가 양적으로 가장 많은 내용을 다루고 있었으나, 내용의 범위 측면에서는 가정교과가 가장 다양한 소 영역의 내용을 제시하고 있었다. 다섯째, 교과별 소비자역량 내용의 초점을 살펴보면, 가정교과는 개인적 차원의 실천적 방안을 제시하는 내용이 주를 이루었고, 사회교과는 소비환경과 소비환경과의 상호작용을 고려하는 내용이 많았다. 한편, 도덕교과는 소비생활을 성찰하고 소비생활과 관련된 도덕적 문제를 다루고 있었다. 여섯째, 소비자교육 내용은 여전히 지식에 편중되어 있었으며, 소비자역량의 구성요소인 지식, 태도, 실천이 총체적으로 연계되어 제시되지 못하고 있었다.

• 가족자원경영과 정책
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• 제20권1호
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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.

• 대한가정학회지
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• 제20권1호
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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.

• 가족자원경영과 정책
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• 제6권2호
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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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• 제3권4호
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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.

• 농업과학연구
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• 제45권4호
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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.

• 가정과삶의질연구
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• 제26권5호
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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.