• 한국생활과학회지
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• 제11권1호
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• pp.31-43
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• 2002

The purpose of this study was to examine the financial status of the small business households, and to analyze their investment behaviors according to socio-economic variables like age, income, education, job satisfaction, and region. The size of total sample was 2167 with basis of data analysis of Korean Household Panel Study from Daewoo Economic Research Center. Descriptive Statistics were used to analyze their financial status according to the socio-economic variables. The results showed that small business family's financial status was differentiated according to age, income, job satisfaction, and region. Households' investment on the primary financial institute such as bank was differentiated by income, level of education, and job satisfaction. The amount of investment on secondary financial institute such as mutual fund was differentiated by income, age, and region. The households' investment for insurance was affected by all socio-economic variables except region and not significantly different according to socio-economic variables for stock and bonds. The amount of net-asset for households was affected by the level of education, age, and income and the amount of debt most by age and income. The results of this study was useful to develop the estimation tool for the small business households credit and also provides the basic informations for the financial assistance of those households.

• 가족자원경영과 정책
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• 제17권1호
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• pp.199-219
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• 2013

The purpose of the study was to investigate the effects of money transfer between generations on preparation behaviors for retirement, separated into assets and saving for retirement. The survey was conducted by targeting 422 married people across the nation. The factor of money transfer between generations was defined as the inheritance and gift variable. The data were analyzed using SPSS 20. Correlation, analysis of variance (ANOVA), and multiple regressions were utilized. The results indicated that preparation behaviors for retirement are affected by the economic independence of parents, inheritance, expenses for children's education, and marriage. Retirement assets were significantly affected by inheritance, the economic independence of parents, educational expenses for children, financial assets, and amount of debt, while the significant factors related to retirement savings were interests on retirement, income, wedding expenses for children, economic independence of parents, and educational expenses for children. It was concluded that the financial preparation for retirement ought to be expanded from one household's finances to finances between generations.

• The Journal of Asian Finance, Economics and Business
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• 제8권8호
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• pp.433-442
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• 2021

This research examines the financial performance of Village and Urban Community Funds (VFs). The study also explores the beneficial effects of the biggest microfinance programs in the world in the lower and lowest income provinces; specifically, whether VFs change household economic status or not. The data is collected uniquely from the village funds in four provinces of each region in Thailand which considerably reflect the government achievement. Accordingly, several financial ratios have been applied to evaluate the financial efficiency of the village funds, and the ordered logit model has been used to estimate the impact on economic variables of the poor. The findings show that the village funds do not improve the savings, income, consumption, and asset of VFs' members, although such funds have a higher financial performance. Furthermore, the VFs are a good substitute compared to the Bank for Agriculture and Agricultural Cooperatives (BAAC) credit because the cross-price elasticity of quantity of demand for such loans is positive. In particular, the loans from village funds are insignificantly correlated with the debt, income, asset, and economic status of VF members. This implies that Thai Village Funds do not alleviate definitely the serious problem about the financial situation in rural provinces. Thus, this microfinance does not change the economic well-being of the poor.

• International journal of advanced smart convergence
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• 제12권3호
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• pp.163-167
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• 2023

The restaurant industry is an industry with low entry barriers, and furthermore, it is an indispensable industry in life. However, for the restaurant industry, it is necessary to start a business considering many factors. In particular, the comparative group for each restaurant industry is different, and the commercial area analysis should be analyzed differently. Moreover, counseling for restaurant start-ups is still sticking to how to start a restaurant by meeting with each franchise supervisor or counselor. Therefore, a restaurant start-up chatbot is needed for prospective restaurant founders, and a food tech chatbot is needed to collect basic data. Therefore, in this study, factors for restaurant start-ups were divided into youth, preliminary start-ups, menus, taste, and food. In the case of restaurant start-ups with low entry barriers, it was confirmed as the most preferred start-up by young people. However, indiscriminate restaurant start-ups not only increase the closing rate but also have a significant impact on household debt, so accurate consulting should be used to lower the closing rate and increase the success rate. Furthermore, theories and measures for food technologies such as chatbots should be further developed to obtain accurate information on franchise start-ups.

• 가족자원경영과 정책
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• 제25권3호
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• pp.1-15
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• 2021

본 연구는 자활사업 참여자의 가족탄력성이 자활의지와 어떤 관계가 있는지 탐색하고 그 관계에서 가족지지의 매개효과를 분석하였다. 조사대상은 강원도 소재 지역자활센터에 참여하고 있는 20~70대 283명이다. 통계분석은 IBM SPSS18을 통해 기술통계, 차이검증, 회귀분석을 실시하였고, 매개효과는 Baron & Kenny(1986)의 분석방법을 사용하였다. 분석방법에 따른 결과는 다음과 같다. 첫째, 자활사업 참여자의 인구사회학적 특성과 주요변수들과의 차이검증을 실시하였다. 자활의지는 돌봄가족, 가구소득이 유의미한 차이가 있었다. 가족탄력성은 연령대, 결혼상태, 건강상태, 가구유형, 돌봄가족, 주택소유에 따라 유의미한 차이가 있었으며, 가족지지는 연령대, 결혼상태, 건강상태, 가구유형, 돌봄가족, 부채가 유의미한 차이가 있었다. 둘째, 자활사업 참여자들의 자활의지에 영향을 미치는 요인을 알아보기 위해 위계적회귀분석을 실시한 결과 건강상태가 좋을수록, 돌봄가족이 있을수록, 가족탄력성과 가족지지 수준이 높을수록 자활의지 수준이 높았다. 셋째, Baron & Kenny(1986)의 매개효과 분석결과 가족탄력성과 자활의지 관계에서 가족지지는 완전매개효과가 있는 것으로 나타났다. 따라서 자활사업 참여자의 자활의지 수준을 향상하기 위한 대안으로 가족탄력성과 가족지지가 중요한 요인임을 검증하였다.

• Journal of the Korean Data and Information Science Society
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• 제27권5호
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• pp.1293-1305
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• 2016

본 연구는 한국장학재단 일반상환 학자금 대출 연체자를 대상으로 연체 미회수 그룹으로 분류될 수 있는 위험요인들을 파악하고, 학자금 대출 연체 회수 예측모형을 개발하였다. 또한 개발된 예측모형을 활용하여 그에 따른 신용위험 평점표를 작성하였다. 예측모형 개발은 연체기간에 따라 총 3가지 모형 (Model 1: 연체 1개월 모형, Model 2: 연체 2개월 모형, Model 3: 연체 3개월 이상 모형)으로 로지스틱 회귀분석 분석을 적용하였다. 연체기간 구분은 금융권에서 일반적으로 사용하고 있는 연체회수모형의 단위를 준용하여 1개월 단위를 기준으로 연체 1개월, 연체 2개월, 연체 3개월 이상으로 구분하였다. 연체 1개월 모형 (Model 1)에서는 연체계좌수, 이체일자, 연체잔액, 소득분위가 영향력이 큰 것으로 나타났으며, 연체 2개월 모형 (Model 2)에서는 연체 일수, 연체잔액, 이체일자, 연체금액이 중요한 것으로 나타났다. 마지막으로 연체 3개월 이상 모형 (Model 3)에서는 최근 3개월 이내 연체 횟수, 이체일자, 연체계좌수, 연체액의 영향력이 큰 것으로 나타났다. 본 연구에서 개발된 연체회수 모형이나 평점표를 바탕으로 연체 채권관리를 함에 있어 좀더 세분화된 관리서비스를 제공하고, 상담센터의 상담원이 연체자의 평점에 따라 상담전략을 세울 수 있는 기초자료가 될 수 있을 것으로 사료된다.

• 유통과학연구
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• 제12권4호
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• pp.31-39
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• 2014

Purpose - This study investigates the following two issues. First, we attempt to find the important determinants of housing investment and to identify their significance rank using survey panel data. Recently, the expansion of global uncertainty in the real estate market has directly and indirectly influenced the Korean housing market; households demonstrate a sensitive reaction to changes in that market. Therefore, this study aims to draw conclusions from understanding how the impact of financial strength of the household is related to house investment. Second, we attempt to verify the effectiveness of diverse indices of financial strength such as DTI, LTV, and PIR as measures to monitor the housing market. In the continuous housing market recession after the global crisis, the government places top priority on residence stability. However, the government still imposes forceful restraints on indices of financial strength. We believe this study verifies the utility of these regulations when used in the housing market. Research design, data, and methodology - The data source for this study is the "National Survey of Tax and Benefit" from 2007 (1st) to 2011 (5th) by the Korea Institute of Public Finance. Based on this survey data, we use panel data of 3,838 households that have been surveyed continuously for 5 years. We sort the base variables according to relevance of house investment criteria using the decision tree model (DTM), which is the standard decision-making model for data-mining techniques. The DTM method is known as a powerful methodology to identify contributory variables for predictive power. In addition, we analyze how important explanatory variables and the financial strength index of households affect housing investment with the binary logistic multi-regressive model. Based on the analyses, we conclude that the financial strength index has a significant role in house investment demand. Results - The results of this research are as follows: 1) The determinants of housing investment are age, consumption expenditures, income, total assets, rent deposit, housing price, habits satisfaction, housing scale, number of household members, and debt related to housing. 2) The impact power of these determinants has changed more or less annually due to economic situations and housing market conditions. The level of consumption expenditure and income are the main determinants before 2009; however, the determinants of housing investment changed to indices of the financial strength of households, i.e., DTI, LTV, and PIR, after 2009. 3) Most of all, since 2009, housing loans has been a more important variable than the level of consumption in making housing market decisions. Conclusions - The results of this research show that sound financing of households has a stronger effect on housing investment than reduced consumption expenditures. At the same time, the key indices that must be monitored by the government under economic emergency conditions differ from those requiring monitoring under normal market conditions; therefore, political indices to encourage and promote the housing market must be divided based on market conditions.

• 한국사회복지학
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• 제66권3호
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• pp.231-251
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• 2014

정부는 부유층 기초연금 수급과 관련한 부정적 여론에 대응하기 위해 2014년 7월부터 6억 이상 자녀명의 주택 거주노인에 대해 소득인정액 산정 시 무료임차추정소득을 부과하고 증여재산 산정기간을 연장하는 등의 방안을 실시하고 있다. 본 연구는 이러한 개혁안의 효과성과 적정성을 평가하기 위해 '한국복지패널(7차자료)'을 활용한 가구별 소득인정액을 산출하여 부유층 노인의 수급실태와 재정소요규모를 추정하고, 정부안의 모의분석을 통해 수급자격 변동 등 정책효과를 살펴보았다. 분석결과, 첫째 기존 연구경향을 반영하여 부유층의 기준을 소득상위 10%로 설정할 경우 부유층 노인수급가구의 규모는 전체 수급가구의 2.9%이며, 이로 인한 재정지출규모는 총 급여지출액의 2.6%에 불과한 것으로 나타났다. 둘째, 가처분 소득, 부채, 사적이전을 고려할 때 정부안이 적용되는 가구의 경제수준은 정부안이 적용되지 않는 유사 경제수준의 가구보다 월등하게 높다고 보기 어려우며, 실제 정부안이 시행된다 하더라도 수급권 조정이 발생되는 가구는 극소수(약 0.7%)에 불과하였다. 셋째, 정부의 대책은 노인부양 가구를 차별할 뿐 아니라, 전체 노인가구를 대상으로 선정기준액을 새롭게 설정하지 않는 한 단순 급여삭감 조치에 불과하여 기초연금제도는 전반적으로 후퇴할 것으로 판단된다. 이러한 분석결과를 토대로 본 연구는 정부의 개혁방안이 과학적 예측과 진지한 토론이 부재한 상태에서 일부 부유층 노인의 급여수급에 대한 부정적 여론에 편승하여 개인 노후소득보장제도인 기초연금에 사실상의 부양의무자 기준을 적용함으로써 제도를 잔여화하고 향후 복지삭감에 유리한 정책환경을 조성하는 프로그램적-체계적 복지축소전략이라는 점을 강조하였다. 더욱 우려할만한 점은 이러한 정부안이 우리나라 노후소득보장제도의 기반을 흔들 수 있는 적대적인 사안임에도 불구하고, 최근 기초연금 논의에서 거의 주목받지 못하고 있다는 것이다.

• 가정과삶의질연구
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• 제24권5호
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• pp.251-270
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• 2006

This study examined how the households used and combined financing sources to pay for college education. It compared the probability of using each source (current incomes, saving, education loans and grants) by households' socio-economic characteristics and analyzed which factors influence the decision to use each source and the amounts from each source for financing college education. Data for this study were from a questionnaire completed by 4-year college students (n=623) and were analyzed by t-tests, ANOVA and Heckman's two-step estimation models. The findings of this study were as follows: First, the most frequent source for college education was parents' savings and the second one was parents' incomes. Also, the most frequent combination of sources was saving and current incomes and the second was combination of three sources, saving, incomes and education loans. Second, the probability of using incomes was higher for younger students than for older students. The number of siblings showed significant differences among income, savings and education loans. Those who had higher incomes were more likely to use current incomes, saving, but less likely to borrow for financing college education. Middle-class income groups were more likely to borrow for education. Third, household incomes and asset holdings had generally positive impacts on the probability of using incomes and savings for college education, while total debt burden decreased both the probability and amounts of income and saving sources. The college costs had significantly positive effects on both the probability and the amounts of all of financing sources. Total grants received significantly decreased the amounts from incomes, savings and borrowing sources.

• International Journal of Human Ecology
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• 제7권2호
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• pp.53-62
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• 2006

The purpose of this study is to examine the changes in financial structure of the self-employed brought on the economic crisis in Korea.. We use financial ratio analysis, such as income to expenditure ratio, liquidity ratio, debt ratio, and capital accumulation ratio to analyze financial well-being of self-employed households. This study used a 1997 and 1998 Korean Household Panel Study collected by Daewoo Economic Research Institute. The average amount of holding of each type of asset showed that the investment of self-employed households decreased in the banking industry and the stock market in 1998 compared to 1997. On the other hand, asset allocation in bond and real estate increased, which implied preference for a stable type of asset with the increase in uncertainty of the future and economic instability. Devaluation of real estate allowed households to easily obtain real estate and increase preference for asset allocation in real estate after the crisis. The changes in financial ratio for the year 1998 shows that such ratios as income to expenditure, liquidity, and capital accumulation, decreased compared to the year 1997. Among those ratios, the income to expenditure ratio showed the biggest decline because of reduced income of self employed households. The results implied that the income structure of the self-employed is unstable, thus the self-employed were likely to be greatly affected during the economic downturn. Earners have more average income and net assets than the self-employed. However, using financial ratios, it was found that self-employed households were more stable than employees. The results shows that the financial ratio analysis is better tool to estimate households financial status. Implications for financial educators, counselors, and planners are offered. The results will provide implications for policy makers to establish appropriate policies for the self-employed and help them financially survive.