• 가정과삶의질연구
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• 제11권2호
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• pp.69-82
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• 1993

Financial stability of households is the basic and most important factor of the quality of life. It affects emotional psychological mental and social aspects of family personal develop-ment and family healths etc. This study investigated and analyzed the data on financial stability of households. The data collected through the self-administered questionnaire from 466 house-holds in Kwangju area were analyzed. As statistical methods Frequency Percentile. Anova Duncan-test and Regression analysis were used. The results obtained are as follow: Education job status housing tenure type numbers of income source assets income and income flexibility have positive effects on financial stability. Especially numbers of income sources has most important effect. Significant correlation coefficients between financial stability and economic pressures mental healths financial satisfaction life satisfaction and coping behaviors were revealed respectively To improve the quality of life financial stability of household is severely considered. To be financially stable providing various income sources is more desirable than having regular and fixed income.

• 가정과삶의질연구
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• 제15권3호
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• pp.125-138
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• 1997

The major purpose of this research was to investigate the relationship of employed and unemployed wives' financial management behavior and financial well-being on the basis of the family resource management system theory. The data were obtained from 660 wives who lived in Seoul 1996. Major findings of this study were as follows: 1. Regardless of the wives' employment status marriage duration and level of wives' education negatively influenced objective financial well-being in the case of unemployed wives but one in the case of employed wives. 2. Both unemployed and employed wives locus of control over their financial situation positively influences subjective financial well-being 3. It was found that personal and managerial factors had effect on subjective financial well-being both for unemployed and employed wives. The path model designed in this research was found to be proven for unemployed but not for employed wives.

• 가족자원경영과 정책
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• 제14권4호
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• pp.193-212
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• 2010

The pre-elderly approaching old age in our society confront having a harsh economic status. The main purpose of this study was to explore the factors influencing the preparation of the pre-elderly for overcoming this status. In particular, it focused on financially stable pre-elderly persons. The data from the 2008 Chungcheongnam-do Welfare Plan for Five Years collected by the Chungnam Women's Policy Development Institute was used to analyze the research questions. The participants in this study included 735 persons (ages 55-64) living in Chungcheongnam-do. Five hundred and eighty-one self-reported questionnaires were used for the final analysis using SAS, version 9.1. This study attempted to identify the important variables needed to find the factors related to socio-demographic and economic characteristics, the adult-child relationship, the preparation plan for old age, etc. The results showed that job and health status were key to preparation for financial stability among the elderly. Another finding was the importance of concrete financial planning for the elderly; that is to say, the pre-elderly who made more concrete plans than indefinite ones were likely to belong to stable households. Another significant finding was that it is important to consider both objective and subjective factors for the financial preparation of the elderly. These results should serve as reference data for the future welfare policy for the elderly, because the financial independence of the elderly will be vital for a healthy relationship between new and old generations.

• 문화기술의 융합
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• 제4권1호
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• pp.219-224
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• 2018

금융자산은 다양한 속성을 갖고 있으며 여기서 비롯되는 편익이 금융자산의 수요를 창출하게 된다. 본 연구는 이러한 금융자산의 수요를 중심으로 우리나라 가계의 금융자산 포트폴리오 선택에 영향을 미치는 요인들을 분석해 보고자 한다. 금융자산의 수익성과 안전성이 일정하다면 개인이 금융자산을 선택할 때 가장 우선적으로 고려하는 기준이 금융자산 포트폴리오에 유의한 영향력을 갖는 것으로 나타났으며, 주요 인구통계학적 특성과 재무상태가 금융자산 선택에 미치는 영향도 금융자산별로 특징적으로 나타나고 있음을 보여주고 있다. 아울러 이러한 영향요인의 변동으로 인한 금융자산 간 대체관계를 추가로 분석해 본다면 향후 새로운 금융상품 개발에도 유용한 시사점을 줄 수 있을 것으로 기대된다.

• The Journal of Asian Finance, Economics and Business
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• 제3권2호
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• pp.21-31
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• 2016

Although the microfinance sector in Bangladesh is mainly driven by Non-Governmental-Organizations (NGOs), there are other types of Microfinance Institutions (MFIs) that also provide financial services to the poor. Despite the criticism of microfinance programs, the current poverty situation in Bangladesh still requires such programs for consistently battling poverty. Hence, the aim of this paper is to profile the microfinance sector based on their legal status and investigate any possible differences (if any) between them in various aspects. After a thorough investigation of the sector, it was found that around 33 million of the clients are being served by the mainstream MFIs (NGO and Grameen Bank) while another 10-15 million clients are served by other types of MFIs (financial cooperatives, credit unions, various ministries etc.), accounting for the one-third of the total population in Bangladesh. While the mainstream MFIs basically works with poor, other categories of MFIs are concerned with relatively wealthy clients. Looking into the financial performance and social intermediation of the MFIs, the NGO-MFIs performed better than other types of MFIs in the sector.

• 한국주조공학회지
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• 제42권2호
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• pp.83-93
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• 2022

본 연구 과정에서는 국가뿌리산업진흥센터를 통한 뿌리 확인기업, 뿌리 전문기업을 기반으로 신용평가 공시자료가 있는 2,700여개의 기업체의 3년간 재무 상황 (2017년부터 2019년까지)를 확인하였다. 국내에서는 처음으로 이와 같은 뿌리산업의 재무적인 현황분석을 통하여 성장성, 수익성, 안정성을 살펴보고자 하였다. 심층 분석을 통하여 3년간의 뿌리기업 종사자, 총 매출액 변동 추이와 함께, 영업이익(률)과 순이익(률), 자산규모, 부채비율을 파악하였으며, 1인당 재무구조도 살펴보았다. 또한 뿌리기업을 종사자 규모별로 6단계로 구분하여 각 규모별 1인당 재무현황을 비교하였다. 각각의 단계는 10인 이하, 11~20인, 21~50인, 51~200인, 201~300인, 300인 이상이었으며, 1인 기업은 연구 편의상 제외하였다. 전반적으로 뿌리기업의 재무상황은 매우 안 좋은 침체 상황으로 판단되며, 조사기간 3년 동안 해를 거듭할수록 재무지표는 악화되는 것으로 나타났다. 특히, 종사자 수가 적은 기업체일수록 재무 변동 폭이 불안정적으로 크고 심각할 수준으로 상황이 악화되는 것을 알 수 있다. 뿌리기업 중에서도 산업생태계의 가치사슬 기술적 시발점이 되는 주조산업도 같은 조사 방법을 통해 분석하였다, 주조산업도 업황이 매우 안 좋은 상황이며, 지속적인 종사인력 감소, 총 자산 및 매출액 감소가 심각한 수준이며, 영업이익(률)과 순이익(률)도 매우 저조한 상황임을 알 수 있었다. 어려운 상황이지만 이러한 상황을 극복할수 있는 지속 발전할 수 있는 적합하고 실현가능한 정책 방향이 필요한 이유이다.

• The Journal of Asian Finance, Economics and Business
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• 제8권11호
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• pp.97-106
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• 2021

The condition of financial services in Indonesia is unique, based on various characteristics, behaviors, and preferences. Therefore, the study of finance and banking is interesting to study as a recommendation for government policies. This paper aims to analyze the barriers to accessing formal financial services in Indonesia and why informal financial services are preferred. This paper presents a case study of financial inclusion in selected provinces in Indonesia using the SOFIA dataset from the Ministry of National Development Planning. Overall, this data consists of 20,000 individuals from 4 provinces and 93 regions representing the population in eastern Indonesia. The analysis was carried out by processing individual-level cross-sectional data surveyed in 2017 using the probit binary logistic method. The results identify the individual barriers in accessing formal financial services, including account ownership, saving, and credit activities in the formal financial institutions, and amplify the image by analyzing what determinants affect people to choose informal institutions. We found that some individual characteristics such as age, gender, education, income, employment status, residence, and access to technology significantly affect the barrier to formal financial services in East Indonesia.

• 기업가정신과 벤처연구
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• 제20권2호
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• pp.35-50
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• 2017

본 연구는 기업의 재무상태 및 지원규모에 따른 정책금융지원의 효과를 파악하기 위하여 일반화가법모형을 적용하여 실증분석 하였다. 이를 위해 이자보상배율과 총자산 대비 신규보증금액 비율을 이용하여 업종별로 분석대상을 구분하였으며, 수익성, 성장성지표를 사용하여 경영성과를 측정하였다. 또한 분석기간에 여러 번의 정책금융을 지원받은 기업의 경우 표본선택편의로 인한 결과의 왜곡이 발생할 수 있으므로 중복지원 효과를 최소화하기 위해 지원연도를 기준으로 이전 3년 동안 보증잔액 및 신규보증이 없으며, 이후 2년 동안 신규보증이 없는 기업을 선정하였다. 분석 결과, 보증시점의 이자보상배율이 1 미만이라 하더라도 지원규모에 따라 성과는 차별화되는 것을 확인할 수 있었다. 또한 한계기업의 기준으로 사용되는 이자보상배율이 0에 근사한 기업이더라도 경영성과는 향상될 수 있음을 확인할 수 있다. 결국 본 연구에서는 정책금융 지원정도에 따른 차별적인 경영성과를 확인함으로써 기술력이나 성장 잠재력을 고려한 평가가 요구되며 이를 통해 정책금융을 지원하는 담보가 부족한 중소기업의 자금조달 문제를 완화할 수 있는 유인책으로서의 작용할 수 있음을 시사하고 있다.

• 대한가정학회지
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• 제38권7호
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• pp.13-26
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• 2000

The purpose of this study were to identify the financial status of the home based business, and to analyze the factors effected on it. The sample consisted of 713 self-employed from data of 1998 Korea Household Panel Study, and analyzed into Frequencies, Percentile, t-test, $\varkappa$$^2$-test, and Regression Analysis. The findings showed that the household income and expenditure level of female self-employed was higher than those of male self-employed. In case of financial status of business, male self-employed's net profit was higher than female's and the net profit to total sales ratio of male self-employed was greater than female's. The factors contributing to total expenditure to total income ratio were sex, educational level, future economic expectancy, residence and home ownership of self-employed, while the factor effect on total asset to total debt ratio was only total household income. The Variables of sex, educational level of self- employed, job type of home based business and the number of employees in home based business were associated with net profit to total sales ratio, age and educational level of serif-employed, and job type of home based business was related to total sales to the number of emploees ratio(labor productivity).

• 보건의료산업학회지
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• 제5권4호
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• pp.95-111
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• 2011

The purpose of this study was to explore and analyse the work value of university students majoring in health care management. The subjects of this study were 300 students. Maryland Work Value Inventory was used and the data were collected using a structured and self-administrated questionnaire. As a result of factor analysis, the following results were obtained. First, the work value consists of six factors (financial remuneration, social status, social contribution, capability, achievement, proper pride) and it can be classified extrinsic work value (financial remuneration, social status) and intrinsic work value(social contribution, capability, achievement, proper pride). Second, The mean extrinsic work value(4.16) was higher than the mean intrinsic work value(3.80). The preference order of the work value was like this; financial remuneration(4.36) the first, achievement(4.05), social status(3.96), proper pride(3.93), capability(3.78), and social contribution(3.45) the last. Third, the mean of the economic stability in extrinsic work value was the highest. The factors meaningfully relating with intrinsic work value were age, school grade and the experience of job. Forth, as a result of regression analysis, the more school grade they have, the less extrinsic work value and the less their mother's level of education, the higher extrinsic work value.