• Title/Summary/Keyword: financial perspective

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The Locus of Control, Perceptions of Stress in Retirement And Life Satisfaction Among the Retirees (내외통제성 및 은퇴로 인한 스트레스 지각과 생활만족도)

  • 지연경
    • Journal of the Korean Home Economics Association
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    • v.29 no.2
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    • pp.217-240
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    • 1991
  • The primary purpose of this study is to construct a path model in which shows how the background variables, retirement-related variables, and perceptions of stress in retirement influence life satisfaction among retirees. Data from a probability sample of retirees who are not employed as a full - time (n of retirees=261)are used. The social stress model, developed by House (1974) and George (1980), presented and tested in this research focuses on the perspective of the retirees. The major findings are: 1. The retirees perceive relatively high levels of stress in retirement. 2. Levels of living standard, health status, and locus of control are significant factors in differentiating the degrees of perceived stress in retirement and life satisfaction. 3. Concerning the retirement variables, the previous job satisfaction, plans and preparatins for leisure activities and financial arrangement contribute to differentiate the degrees of perceived stress in retirement and life satisfaction. 4. While health status, locus of control, and the perceptions of stress in retirement influence directly on life satisfaction, age, education, income, and activity level influence indirectly through the retirement - related variables and the perceptions of stress in retirement on life satisfaction. The significant impact of the perceptions of stress in retirement upon life satisfaction receives strong support.

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Critical Review of health care economic evaluation methodology : With a special reference to study design and cost estimation (보건의료 경제성 평가 방법론 고찰 -연구 설계와 비용 추정을 중심으로-)

  • ;Brouwer WBF
    • Health Policy and Management
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    • v.14 no.2
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    • pp.58-77
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    • 2004
  • Cost containment has become high political issues since financial crisis of the Korean Health Insurance fund in 2000. Korean Government has developed and implemented several measures to reduce the pharmaceutical expenditures. Pharmaceutical economic evaluation can be a tool in decision to allocate scare resource efficiently. In order to increase the quality of economic evaluation for pharmaceuticals, the Korean Health Insurance Review Agency(HIRA) is considering the development of a guideline for economic evaluation. It mandates that pharmaceutical companies could submit the result of an economic evaluation when demanding reimbursement of new pharmaceutical drugs. The purpose of this study is to provide a critical review of the economic evaluations of health care technologies published in the Korean context whether they have been performed according to current guidelines and therefore whether their results are directly useful for decision making. We found there exist important problems and deviation from, good practice' both in the general features of the studies, like the study design and perspective, and in terms of cost measurement and valuation. There are needs to develop clear guidelines and to educate and train researchers in performing economic evaluations.

The current status of dental dispute: Centered on the 2nd data(Korea Consumer Agency, Med-in) (2차 자료(한국소비자원, 현대해상화재 배상보험)에 나타난 치과의료분쟁 현황)

  • Ahn, Yong Soon;Ahn, Eun Suk;Goong, Hwa-Soo
    • The Journal of the Korean dental association
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    • v.53 no.2
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    • pp.96-102
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    • 2015
  • There is a need to comprehend dental accidents accurately, and construct patient-safety-system in order to prevent consistently increasing dental accident or dispute. This study is aimed to provide basic data for an efficient counterplain by looking through and classifying already occurred dental accidents from an angle of patient safety. Recently, the number of dispute on dental implant was the highest according to rapid growth of dental implant. As a result of classifying dental accidents by International Classification for Patient Safety (ICPS), it is confirmed that cause of accident is different by each type of dental treatment. It is expected to help preventing and managing dental disputes properly by studying actual state of dental disputes in perspective of patient safety. Effort to reduce dental accidents and activity to pursue patient safety have thread in connection. I believe that financial profits of dental clinic and improvement of quality in dental treatment can be achieved through these efforts.

A Study of Digital Archiving Strategies for Historical Materials (역사자료의 디지털 아카이빙 방안 연구)

  • Chang, Yun-Keum
    • Journal of the Korean BIBLIA Society for library and Information Science
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    • v.21 no.4
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    • pp.193-203
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    • 2010
  • This study investigates successful overseas cases and projects of digital archiving of historical materials in order to develop continuous digital archiving strategies in this rapidly changing digital information environment. The analysis is based on the information life cycle perspective of collection, preservation, access and use of digital archives as well as the concept of digital curation. Through the analysis, the study proposes nation-wide digital archiving policies, long-term preservation and standardization strategies for continuous services, and collaborative financial support strategies between institutions and countries for successful digital archiving and continuous improvement.

A Comparative Research on the Reconstruction and Remodeling of Low-rise, Dilapidated Apartment Buildings (노후저층 공동주택의 재건축과 리모델링 사업의 비교 연구)

  • 이효진;김동훈;김진호;임남기
    • Proceedings of the Korean Institute of Building Construction Conference
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    • 2002.05a
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    • pp.75-80
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    • 2002
  • The purpose of this study is to conduct researches on the aspects of reconstruction and remodeling of low-rise, dilapidated apartment buildings in the provinces, using comparative methodologies, consequently coming up with the findings in the following. 1) Unlike the rebuilding projects in which the movement process tends to be made in a bulk (in a simultaneous manner), it turns out that when it comes to remodeling, it would be advisable to attempt moving the inhabitants as a group either by the size of their residence or by the building. 2) Given the peculiarities of the construction management mechanism, remodeling projects might seem disadvantageous on the part of the management on account of inadequate accumulation of information and experience. Hence, based on the impeccable assessment of the current status of the subject buildings from the phase of planning, its imperative to closely look into and take into consideration a variety of direct and/or indirect factors in advance of the implementation. 3) A series of comparative researches from the perspective of economical efficiency that remodeling projects appear profitable considering the overall costs including financial expenses, varied taxes, and so on that will be eventually brought forth during the reconstruction period, and all the more so when allowing for the consequential effects which they ought to have upon the natural and human resources, environmental and ecological condition, business potentials, etc. Amelioration to be desired on the basis of the findings above.

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The Impact of Fintech User and Product Characteristics on Intention for Continuous Use (핀테크의 사용자 특성과 제품 특성이 지속 사용의도에 미치는 영향)

  • Ha, Chang-Seung;Jung, Dae-Hyun
    • Informatization Policy
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    • v.23 no.4
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    • pp.59-75
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    • 2016
  • In the era of convergence, more attention is paid to development of Fintech which attempts for innovation of the financial transaction paradigm through ICT. Proliferation of Fintech to engraft finance-related services on mobile and ICT is found in various fields such as loans, investment and asset management in addition to simple payment or remittance services but awareness of consumers regarding the matter is rather low. Therefore, it is the time to conduct a research on various Fintech businesses. This thesis conducted an empirical research from the viewpoint of consumers to investigate influence on continuous use intention of Fintech users. From the user environment perspective, it was found that influence of innovativeness on satisfaction was not statistically significant. In case of the product characteristics, perceived risk did not have statistical significance on satisfaction.

A Study on the Evaluation of an Option on a Reverse Mortgage (주택연금의 옵션가치 평가 연구)

  • Wang, Ping;Kim, Jipyo
    • Korean Management Science Review
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    • v.32 no.1
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    • pp.1-13
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    • 2015
  • We estimate the option value embedded in reverse mortgages using the framework of European put option. The reverse mortgage is a very useful financial product for senior citizens who own homes but do not have a cash income while it is a high risk one from lender's perspective. One of benefits of the reverse mortgages is that the debt limit is restricted to the scope of the disposition price of the collateralized house, which is considered a put option to borrowers. The put option is evaluated using Black-Scholes model and a sensitive analysis is performed on variables such as discount rate, volatility, and time period. We confirm that the option value of reverse mortgages increases rapidly as the borrowers live longer than their life expectancy. The results of this study can be used to promote the reverse mortgage program more effectively in order to solve the problem of income shortage of the elderly homeowners.

The Structural Effects of Relational Benefits on Brand Loyalty in Financial Institute (금융기관에서 관계편익이 브랜드충성도에 미치는 구조적 영향)

  • Jang, Jungbin;Kim, Shin;Choi, Jeongil
    • Journal of Korean Society for Quality Management
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    • v.45 no.1
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    • pp.39-54
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    • 2017
  • Purpose: This study evaluated the effect of customer relationship management (CRM) on customer's brand loyalty in the holistic perspective of relational benefits, relationship quality and relation value. This paper attempted to find out the psychological process that links the relational benefits and brand loyalty. Methods: The data was collected by using the structured questionnaires to VIP customers and general customers of major domestic banks. The proposed research model is empirically tested using 324 valid questionnaires using SPSS 23 and AMOS 23. Results: This research indicated the partially positive relationship between the relational benefits and relation values, and between relational benefits and relationship quality. The relation value and relationship quality positively affects the relation commitment and the relation commitment also positively affects brand loyalty. This study also shows that the relation value affects the brand loyalty through the mediation of relation commitment, but also the relationship quality affects the brand loyalty through the media of relation commitment. Conclusions: This study investigates the role of perceptional factors(relational value and relationship quality) and affective factors(relation commitment) to find the relationship between relational benefits and brand loyalty. It also suggest the relative influence of relational benefits on relation value.

Two-layer Investment Decision-making Using Knowledge about Investor′s Risk-preference: Model and Empirical Testing.

  • Won, Chaehwan;Kim, Chulsoo
    • Management Science and Financial Engineering
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    • v.10 no.1
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    • pp.25-41
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    • 2004
  • There have been many studies to build a model that can help investors construct optimal portfolio. Most of the previous models, however, are based upon the path-breaking Markowitz model (1959) which is a quantitative model. One of the most important problems with that kind of quantitative model is that, in reality, most of the investors use not only quantitative, but also qualitative information when they select their optimal portfolio. Since collecting both types of information from the markets are time consuming and expensive, making a set of target assets smaller, without suffering heavy loss in the rate of return, would attract investors. To extract only desired assets among all available assets, we need knowledge that identifies investors' preference for the risk of the assets. This study suggests two-layer decision-making rules capable of identifying an investor's risk preference and an architecture applying them to a quantitative portfolio model based on risk and expected return. Our knowledge-based portfolio system is to build an investor's preference-oriented portfolio. The empirical tests using the data from Korean capital markets show the results that our model contributes significantly to the construction of a better portfolio in the perspective of an investor's benefit/cost ratio than that produced by the existing portfolio models.

Factors Associated With Adolescents' Suicidal Ideation: Focus on Self-Esteem and Depression as Mediators (청소년의 자살생각 관련 요인: 자아존중감과 우울의 매개효과를 중심으로)

  • Park, Byung-Kum
    • Korean Journal of Human Ecology
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    • v.16 no.3
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    • pp.505-522
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    • 2007
  • This study examined the effects of eco-system factors on adolescents' suicidal ideation and whether self-esteem and depression mediate in the process to provide theoretical basis for prevention and treatment for problems of adolescents who have suicidal ideation. 2,088 high school students were asked to complete self-administering questionnaires on eco-system factors and adolescents' suicidal ideation. Data were analyzed with frequencies, t-test, ANOVA with Scheffe ad-hoc test, correlation analysis using SPSS 12.0 program and AMOS 5.0 program. Study results were ; First, adolescents' suicidal ideation showed significant differences according to their gender, socio-economic financial status, family structure, and the type of school they attended. Second, self-esteem and depression were proved to have significant mediating effect. Child abuse victimization, subjective school achievement and influence of media coverage of celebrity suicide were most important variables which influenced adolescents' suicidal ideation. These results reinforce importance of understanding adolescents' suicidal ideation with eco-system perspective. Moreover, prevention programs for adolescents' suicide require differentiated strategies and tactics according to the target group characteristics.