• Title/Summary/Keyword: financial consumer education

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The Roles of Benefit and Risk Perception in Ethical Fashion Consumption (윤리적 패션소비에 대한 혜택 및 위험지각이 소비자 태도와 행동의도에 미치는 영향)

  • Moon, Heekang;Choo, Ho Jung;Park, Hye Sun;Baek, Eunsoo
    • Journal of the Korean Society of Clothing and Textiles
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    • v.37 no.2
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    • pp.159-173
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    • 2013
  • This research investigates the mechanism of ethical fashion consumption by examining the effects of benefit and risk perception on ethical fashion consumption attitudes and behavioral intention. To test the hypotheses, 300 female consumers between the ages of 20 and 49 were invited as study participants. The reliability and the validity of multi-item constructs were tested by Confirmatory Factor Analysis. The hypotheses were tested by utilizing Structural Equation Analysis and hierarchical multiple regression analysis. The benefit perception of ethical consumption was composed of three benefit types, which were altruistic benefit, social image benefit, and self-oriented benefit. Benefit perception, except social image benefit, had significant effects on consumer attitudes towards ethical fashion consumption; similarly, benefit perception had significant effects on behavioral intention (except self-oriented benefit) which had an effect on behavioral intention only when it was mediated by attitudes. Further analysis was conducted to understand the reason for the weak relationship between attitudes and behavioral intention. Financial and performance risk perceptions were tested for the moderating roles of attitudes and behavioral intention; subsequently, only financial risk interacted with attitudes and showed that the positive effects of attitudes on behavioral intention were weakened by a high financial risk perception. Performance risk had a main effect on behavioral intention independent of attitudes. Managerial implication and future study directions are also discussed.

Analysis of the Content Connectivity of the 2009 Revised Technology & Home Economics Curriculum 'Consumption' Area (2009개정 기술·가정교육과정 '소비생활' 영역의 내용 연계성 분석)

  • Park, Ji Sook;Kim, Jeong Sook
    • Human Ecology Research
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    • v.55 no.4
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    • pp.337-349
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    • 2017
  • This study analyzed contents of 12 kinds of middle school technology Home Economics(1) textbooks, 9 high school Technology Home Economics textbooks and 2 high school home science textbooks based on the 5 areas and 9 subject areas of 'Understanding of market and consumer', 'Reasonable consumption', 'Resolution and prevention of consumer problems', 'Formation of desirable consumption culture', 'Career and occupation related to consumption life' for the purpose of analyzing connectivity of contents in the area of 'consumption life' in the Technology Home Economics curriculum revised in 2009, and analyzed connectivity of contents on the basis of 'developed', 'repeated', 'different' and 'reduced' based on the results of analysis on the contents of the textbooks. Analysis results show that middle school Technology Home Economics(1) textbooks are mainly dealing with problems related to consumption life and ways to practice healthy consumption life, high school Technology Home Economics textbooks emphasized understanding of consumption culture in modern life and practice and method of sustainable consumption life, and high school home science textbooks contain overall contents of household financial management and consumption life. In general, contents were distributed as 'developed' 11 times (32.4%), 'repeated' 6 times (17.6%), 'reduced' 13 times (38.2%), 'different' 4 times (11.8%). Contents of the majority of textbooks are composed suitable for the curriculum achievement standard, but connectivity of 'developed' cannot be considered a desirable type of connectivity. various formation plans as suggested shall be devised not to let learning elements of 'consumption life' area discontinued considering school levels and achievement standard of curriculum.

Consumer Perceived Risk in the Korean Mobile Phone Market

  • Chung, Lak-Chae;Cho, Young-Sang;Kim, Hak-Ryul
    • Journal of Distribution Science
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    • v.12 no.9
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    • pp.73-82
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    • 2014
  • Purpose - This study aims to illustrate the relationship between demographic factors and perceived risk types, supposing that Korean customers tend to postpone buying or hesitate to purchase the new version of hand sets, because of an early buying risk. Research design, data, and methodology - In addition to existing perceived risk types, the authors introduced an early buying risk. In order to measure each variable, also, the study has employed a five-point Liker-scale. To increase research reliability and validity, the research adopted an exploratory factor analysis, a confirmatory factor analysis, and one-way ANOVA. Results - First, there were statistically significant differences between financial risk and the group. Second, there weren't any statistically significant differences between the group means among the four perceived risk types (Performance Risk, Social Risk, Psychological Risk, and Physical Risk) and 4 factors (Gender, Age, Job, and Education). Lastly, job is apparently differentiated from others (Gender, Age, and Education). Conclusions - The authors found that customers regarded an early buying risk as one of the important perceived risk types, when purchasing a hand set.

The Impact of Physical, Financial, and Psychological Factors on Elderly Life Satisfaction (신체적·재무적·심리적 요인이 고령자의 생활만족도에 미치는 영향)

  • Haerang Lee;Jihye Kim;Jong-Youn Rha
    • Human Ecology Research
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    • v.62 no.2
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    • pp.261-278
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    • 2024
  • This study aims to enhance the life satisfaction of the elderly population in South Korea by exploring their satisfaction levels and identifying influencing factors. Utilizing data from the 17th Korean Welfare Panel, which includes 6,260 individuals aged 65 and older, this study employs independent sample t-tests, one-way ANOVA, and hierarchical regression analysis. The results showed that, in general, the life satisfaction of the elderly population was somewhat lower than that of the general adult population in all areas, except for job satisfaction and satisfaction with housing. Key factors influencing life satisfaction among the elderly population include demographic characteristics (gender, age, economic activity, residence, education level), subjective health status factors, financial factors (disposable income, monthly living expenses), and psychological factors (depression, self-esteem). Notably, psychological factors, particularly self-esteem and depression, profoundly affect all life satisfaction domains. Enhancing life satisfaction necessitates fostering positive self-perception and capabilities in the elderly population, suggesting the need for programs focused on positive emotional experiences. Moreover, depression significantly reduces life satisfaction, underscoring the importance of policy interventions to address negative emotions in this demographic. This study is expected to provide basic data for establishing concrete and effective policies for improving the quality of life for the elderly population. Additionally, by highlighting the importance of positive psychological factors, it is anticipated that the study will offer a new direction for improving the life satisfaction of the elderly population.

The Effect of Leisure Constraint on Leisure Attitude of Workers (직장인들의 여가제약이 여가태도에 미치는 영향)

  • Yoon So-Young;Moon Sook-Jae;Yoo Soo-Hyun
    • Journal of Family Resource Management and Policy Review
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    • v.9 no.1
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    • pp.59-73
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    • 2005
  • The purpose of this study was to understand which factors affect on the leisure constraint and leisure attitude of workers, to observe how the factors of leisure constraints affect on the leisure attitude. The subjects of this study were 267 urban workers who are older than 20 years old and resident in Seoul. The periods of this study was from November 15 to December 5. The modified versions of leisure constraint scale and leisure attitude scale were utilized for this study. The results of this study are as follows : First, as a result to compare the average of leisure constraint factors, intrapersonal constraint, which are individual mental status as interest, self-consciousness, uneasiness et at., was founded generally less than interpersonal constraints as personal relationship for leisure activity, or structural constraints as financial, time, information et at., Secondly, it was found that interpersonal constraint was statistically different in age, and that structural constraint was statistically different in sex, education, health status, marital status, income, and career. Thirdly, there were statistically different in cognitive leisure attitude, feeling leisure attitude, and behavioral leisure attitude according to the average monthly income and career. But, it was found that marital status and the five-day workweek system were not statistically different in 3 leisure attitude factors. Finally, 3 leisure constraint factors(intrapersonal, interpersonal, structural) had statistically significant effect on cognitive leisure attitude. Also, intrapersonal leisure constraint and interpersonal leisure constraint had statistically significant effect on feeling leisure attitude and behavioral leisure attitude

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The Strategies of Logistics Management for SMEs through CALS/EC under the Circumstance supervised by IMF (IMF 환경하에서 CALS/EC를 통한 중소기업 물류경영 전략)

  • Ku, Keun-Wan;Kim, Chang-Gyun
    • Journal of Distribution Science
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    • v.1 no.1
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    • pp.1-24
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    • 1999
  • CALS/EC is about doing business electronically. It is based on the electronic processing and transmission of data, including text, sound and video. It encompasses many diverse activities including electronic trading of goods and services, online delivery of digital content, electronic fund transfers, electronic share trading, electronic bills of lading, commercial auctions, collaborative design and engineering, online sourcing, public procuremet, direct consumer marketing, and after-sales service. It involves both products(e.g. consumer goods, specialised medical equipment) and services(e.g. information services, financial and legal services); traditional activities(e.g. healthcare, education) and new activities (e.g. virtual malls). CALS/EC will be emerging to replace and substitute the role of the conventional market. By changing and eliminating some processes of the transactions, the electronic market and the electronic commerce will redistribute the power and hence the benefits of the market activities. Traditional way of doing business may enter into the new electronic market because the role and function of trust and established reputation will be reinforced in the electronic market. The CALS/EC through the Internet has been in the spotlight in the shopping behavior of the consumers. Accordingly Corporates are trying to adapt themselves to those rapidly changing environments being affected by the Internet. Among others, particularly to be noted is the CALS/EC between corporations and consumers whose potential growth can be considered very substantial. This report, focusing on the introduction of CALS/EC for the logistics of SMEs, will allow us to prepare more efficiently for the coming 21st Century. It is obvious that CALS/EC is fast becoming the useful way of exchanging not only information but products in business between firm-to-firm and firm-to-customer.

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The Strategies of Logistics Management for SMEs through CALS/EC (중소기업 물류경영 정보화를 위한 CALS/EC 전략)

  • Kim, Chang-Gyun
    • International Commerce and Information Review
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    • v.1 no.1
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    • pp.179-201
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    • 1999
  • CALS/EC is about doing business electronically. It is based on the electronic processing and transmission of data, including text, sound and video. It encompasses many diverse activities including electronic trading of goods and services, online delivery of digital content, electronic fund transfers, electronic share trading, electronic bills of lading, commercial auctions, collaborative design and engineering, online sourcing, public procuremet, direct consumer marketing, and after-sales service. It involves both products(e.g. consumer goods, specialised medical equipment) and services(e.g. information services, financial and legal services); traditional activities(e.g. healthcare, education) and new activities (e.g. virtual malls). CALS/EC will be emerging to replace and substitute the role of the conventional market. By changing and eliminating some processes of the transactions, the electronic market and the electronic commerce will redistribute the power and hence the benefits of the market activities. Traditional way of doing business may enter into the new electronic market because the role and function of trust and established reputation will be reinforced in the electronic market. The CALS/EC through the Internet has been in the spotlight in the shopping behavior of the consumers. Accordingly Corporates are trying to adapt themselves to those rapidly changing environments being affected by the Internet. Among others, particularly to be noted is the CALS/EC between corporations and consumers whose potential growth can be considered very substantial. This report, focusing on the introduction of CALS/EC for the logistics of SMEs, will allow us to prepare more efficiently for the coming 21st Century. It is obvious that CALS/EC is fast becoming the useful way of exchanging not only information but products in business between firm-to-firm and firm-to-customer.

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A study on the hospital employee's attitude towards CSR (의료기관의 사회적 책임활동에 대한 종사자의 수용태도에 관한 연구)

  • Kim, Jin-Joo;Jin, Ki-Nam;Kim, Sung-Ho
    • Korea Journal of Hospital Management
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    • v.18 no.4
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    • pp.145-165
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    • 2013
  • The researches on corporate social responsibility(CSR) focused mostly on its effects on financial performance or consumer's behavior. However relatively few studies have dealt with employee's attitude towards CSR. The purpose of this study is to analyze determinants of hospital employee's attitude towards CSR. The data were collected from 163 employees at a general hospital in Gyeonggi-do from June 18 to July 18 in 2012. For the statistical analysis of data, t-test, ANOVA, and hierarchical multiple regression analysis were implemented. The result of hierarchical multiple regression analysis shows that first, perceived management support and direct benefits were positively related to the attitude towards the acceptance of CSR while interruption of work was negatively related. Second, as interruption of work was controlled, the statistically significant relationship between clinical department and attitude towards the acceptance of CSR was disappeared. In order to accommodate CSR in hospitals, first, the enterprise-wide support is more effective rather than expecting the action of each employee. Second, hospitals should provide the education about CSR to let employees expect direct benefits such as improving of their moral sense. Third, the burden of work causing interruption needs to be managed to cause employees to accept CSR.

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Housewives' Recognition of Usefulness and Application of Home Economics Curriculum Educated in High School (기혼 여성들이 지각하는 고등학교 가정교과 교육과정의 유용성과 활용성)

  • Yoon, Jung-Hwa;Lee, Ji-Yeon;Park, Myung-Ja
    • The Research Journal of the Costume Culture
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    • v.19 no.1
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    • pp.200-213
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    • 2011
  • The purpose of this study is to investigate the usefulness and application of home economics curriculum to housewives. For this research, a survey was conducted using questionnaires against 427 housewives living in Seoul, Gyeonggi-do, and other provinces. The data analysis of this study was verified by frequency, mean, t-test, and Cronbach's ${\alpha}$ coefficient by using SPSS 12.0 program. The conclusions of this study are as follows. First, more than 88% of the housewives recognize that home economics curriculum is necessary. Second, as for the areas of the usefulness and application of home economics curriculum, housewives recognize the "family and child" area was most useful, followed by "food, nutrition & cookery", "consumer and family financial management", "housing and residential interior design", and "clothing care, apparel design and making" areas. Third, the better perceive the housewives think of the home economics curriculum, the higher is the appreciation of the curriculum. Based on this research, home economics curriculum was proved very important and necessary in everyday life for housewives.

The Effects of Related Factors on Quality of Life for the Elderly (노인의 삶의 질 관련요인 분석)

  • Kang, Lee-Ju
    • Journal of Families and Better Life
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    • v.26 no.5
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    • pp.129-142
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    • 2008
  • This study examines how economic and psychological characteristics affect the quality of life (QoL) of elderly individuals age 60 and older, who live in the Seoul-metropolitan area. Relationships among socio-demographic status, economic conditions, psychological characteristics, family life, health status, and QoL are examined by t-test and ANOVA(Duncan's test as post hoc multiple comparisons), and the multiple regression analysis is used to estimate QoL determinants in the elderly. The major findings of the study are as follows. First, younger age, higher education levels, better health status, harmonious family relations, higher levels of household income, lower levels of loneliness, and higher self-esteems are related to higher QoL levels. Second, the impacts of factors on QoL are differentiated according to tercile groups that divide monthly allowance of respondents into three categories: below normal (threshold amount below 21MW), near normal (threshold amount between 21MW and 35MW), and above normal (threshold amount above 35MW). For each tercile group, poor health status or higher loneliness have negative effects on QoL, while harmonious family relationship has a positive effect. For the below-normal group, years of education or self-esteem have positive effects, while age or retirement status have negative effects when controlling for other factors. For the near-normal group, being married, or perceived financial insecurity create lower QoL levels, while higher self-esteem increases QoL levels. For the above-normal group, being widowed, employed, or retired have positive effects on QoL, when controlling for other variables. Third, even among elderly with high allowances, the effects of health status and family relationship are significant determinants that explain QoL levels. This result suggests that, for te elderly, poor health status and poor family relationships severely decrease QoL in later life, regardless of economic condition.