• 제목/요약/키워드: household saving

검색결과 97건 처리시간 1.21초

Estimating a Precautionary Saving Motive under Consumption Uncertainty (소비의 불확실성에 따른 예비적 저축 동기 추정)

  • Hwang, Jin-tae;Kim, Sung-min
    • Economic Analysis
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    • 제26권3호
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    • pp.48-70
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    • 2020
  • Using data from the Household Income and Expenditure Survey over the period 1994-2016, we estimate the coefficient of relative prudence in order to capture precautionary saving motive. To do this, we adopt a cohort approach, where we transform such microdata into sample cohort means. Together with initial income involving liquidity constraint, we estimate the relative prudence derived from the Euler equation. The two-stage least-squares (2SLS) between estimate of it obtained from the cohort panel data analysis is too small for the existence of precautionary saving motive, as in previous studies, while the 2SLS random effects estimate is so reasonable. Moreover, the liquidity-constrained cohorts tend to be more sensitive to uncertainty, relative to the unconstrained ones.

Quantitative Analysis of Poverty Indicators: The Case of Khon Kaen Province, Thailand

  • PIENKHUNTOD, Ajirapa;AMORNBUNCHORNVEI, Chainarong;NANTHARATH, Phouthakannha
    • The Journal of Asian Finance, Economics and Business
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    • 제7권2호
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    • pp.131-141
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    • 2020
  • This study examines the poverty indicators in Northeast region of Thailand by adopting the global Multidimensional Poverty Index (MPI) methodology and the national survey of Minimum Basic Needs (MBN) of Thailand. Data are collected from three different districts in Khon Kaen province namely: Khok Po Chai, Sam Sung, and Nam Pong. The sample size is 187 households. Data analysis uses Ordinary Least Square (OLS) regression approach and includes 7 dimensions of poverty (health, environment, education, economy, Thai value, asset? empowerment, and digital literacy) with a total of 41 indicators. This study has found that poverty indicators in Khon Kaen province remains centered around the aspects of health and employment dimensions. While a change of family structure in the Thai society since 1960s reduces the family size, household saving substantially increases over the years. The effects of health dimension in poverty, on the other hand, appears on the other poverty dimension of Thai value, which include (1) a bad living habit of head of household (smoke or alcohol consumption) that links with illness and disease, (2) religious practice, and (3) chronic illness. Lastly, there are income gaps of different careers in the area, which suggests the issue of income inequality.

Feasibility Study on Installation of Individual Room Control Ventilation in Apartment House (공동주택의 실별 제어환기 도입 타당성 분석)

  • Kim, Jung-Yup;Shin, Hyun-Joon;Kwon, Yong-Il;Yun, Young-Woo;Cho, Chun-Sik
    • Proceedings of the SAREK Conference
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    • 대한설비공학회 2009년도 하계학술발표대회 논문집
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    • pp.502-507
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    • 2009
  • Trend of mechanical ventilation system applied to apartment house is introduced and feasibility study on installation of the individual room control ventilation as energy-saving method is carried out through field experiment. While initial cost of installation for the individual room control ventilation increases, the running cost is lower than the individual household control ventilation due to automatic flow rate control and reduction of fan power, and the management cost also decreases due to extension of use life of components. As the results of field experiment on $115m^2$-type apartment house, the individual room control ventilation could save the amount of 1,459.5Wh/day when compared with the individual room control ventilation

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Development of Criteria for Predicting Delamination in Cabinet Walls of Household Refrigerators (냉장고 캐비닛 벽면에서 발생하는 박리현상 예측을 위한 평가 기준 개발에 관한 연구)

  • Park, Jin Seong;Kim, Sung Ik;Lee, Gun Yup;Cho, Jong Rae
    • Journal of the Korean Society of Manufacturing Process Engineers
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    • 제21권4호
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    • pp.1-13
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    • 2022
  • Household refrigerator cabinets must undergo cyclic testing at -20 ℃ and 65 ℃ for quality control (QC) after their production is complete. These cabinets were assembled from different materials, including acrylonitrile butadiene styrene (ABS), polyurethane (PU) foam, and steel plates. However, different thermal expansion values could be observed owing to differences in the mechanical properties of the materials. In this study, a technique to predict delamination on a refrigerator wall caused by thermal deformation was developed. The mechanical properties of ABS and PU foams were tested, theload factors causing delamination were analyzed, delamination was observed using a high-speed camera, and comparison and verification in terms of stress and strain were performed using a finite element model (FEM). The results indicated that the delamination phenomenon of a refrigerator wall can be defined in two cases. A method for predicting and evaluating delamination was established and applied in an actual refrigerator. To determine the effect of temperature changes on the refrigerator, strain measurements were performed at the weak point and the stress was calculated. The results showed that the proposed FEM prediction technique can be used as a basis for virtual testing to replace future QC testing, thus saving time and cost.

Comparative Analysis on Smart Features of IoT Home Living Products among Korea, China and Japan (한·중·일 IoT홈 가전생활재의 지능형 기능성 비교연구)

  • Zhang, Chun Chun;Lee, Yeun Sook;Hwang, Ji Hye;Park, Jae Hyun
    • Design Convergence Study
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    • 제15권2호
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    • pp.237-250
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    • 2016
  • Along with rapid development, progress of the network technology and digital information technology, human are stepping into the intelligent society of internet. Thereby the quality of living environment and working environment are keep improving. Under the big background of internet era, the timeliness and convenience of smart home system has been improved greatly. While lots of smart products have gradually penetrated into people's daily life. The household appliances are among most popular ones. This paper is intended to compare smart features of household living products among most representative brands in China, Japan and South Korea. The smart features include self-learning, self-adapting, self-coordinating, self-diagnosing, self-inferring, self-organizing, and self adjusting. As result, most smart features of these products showed great similarity. While some features were dominated according to countries such as remote control feature in Korea, energy saving feature in Japan, and one button operation feature in China.

The Analysis on the Characteristics of Residential Mobility by Life-Cycle (생애주기에 따른 주거이동 특성 분석)

  • Choi, Yeol;Kim, Young-Min;Cho, Seong-Ho
    • KSCE Journal of Civil and Environmental Engineering Research
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    • 제30권3D호
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    • pp.313-321
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    • 2010
  • This study analysed the characteristics of residential mobility according to the household's life-cycle to observe the housing filtering process in Busan. The questionary subjects were adult 40 and over who inhabited in Busan and surveyed residential career about residential mobility. The analysis result of statistical data and result of questionary reveals similar result every articles, the summaries are as follows : Examining housing where the respondent live presently, apartment dominate absolutely high ratio as housing type and owner-occupation as housing tenure type, and housing size is about 30 pyeong, dwelling period is 6 years to 10 years. Saving and loan hold a large majority to make housing capital, that means, they apply housing finance to getting own housing despite it is impossible with present household's income to have owner-occupation of desired housing. This is different custom ours from foreign's that rent a house. However, as aspect of residential satisfaction, most household recognised that quality is improved, because residential mobility expanded housing size and changed tenure type and showed fairly high satisfaction with their present resident.

Factors Affecting on Saving Behaviors, Perceptions of Economic Situation and Attitudes on the Program of the Asset-based Program Participants (저소득층 자산형성사업 참여자의 저축행위와 경제상황에 대한 인식, 사업에 대한 태도에 영향을 미치는 원인에 관한 연구)

  • Kim, Hyeyoun
    • Korean Journal of Social Welfare
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    • 제66권1호
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    • pp.35-59
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    • 2014
  • The purpose of this study is to investigate determinants of the saving behaviors, perceptions of economic situation and attitudes on the program of the Individual Development Account program participants in Korea. Data used for this article was the survey on the participants of 'Seoul Hope-plus Saving Account Program' implemented by Seoul Welfare Foundation for 3 years. In order to consider variances within-individual and between-individuals, Hierarchical Linear model is used for this study. The results are as follows. First, In demographic factors, disability, gender, education level, marriage status are significant factors on the effectiveness of the program. Second, the participation on the program has positive effects on the conception on the living standard and economic status of the participants. However, total amount of savings excluding savings on 'Hope plus' has decreased. The household income is positively related with the amount of savings. Thus, it is necessary to consider individuals' socio-demographic factors to planning the asset-based program.

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Factors to Affect the Selection of Machine-to-Machine Household Technology (사물지능통신(M2M) 가사기술의 선택 요인)

  • Park, Hye-Kyung;Yoon, Jeong-Ro
    • Journal of Korea Technology Innovation Society
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    • 제16권4호
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    • pp.954-977
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    • 2013
  • This paper investigates the factors to affect the consumer selection of machine-to-machine (M2M) technology in the purchase and utilization of home appliances. M2M technology, based on mobile internet, allows for automatic operation and remote control of home appliances and equipment. The introduction of M2M technology could lead to the saving of domestic housework and of active social participation for women. With a view to focusing on the liberating potential of M2M technology, this paper analyzes the correlation between four independent variables (gender, income, employment status of married woman, and possession of mobile internet devices) and two dependent variables (intention for purchase and utilization of M2M household appliances). The possession of mobile internet devices such as smart phone and tablet PC turns out to be the most significant factor to affect both the purchase and utilization of M2M household appliances. The employment status (employed or not-employed) affects only the intention for purchase. Neither the income level nor gender has significant correlation with the intention for purchase or utilization. The results differ from the conventional wisdom that the consumer selection of household technology is substantially affected by gender, income and employment of housewife.

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The Effects of Goal-Oriented Value on Financial Management and Financial Satisfaction of Female College Student Consumers (여대생소비자의 목표중심적 가치가 재정관리행동과 재정만족도에 미치는 영향)

  • 홍은실;황덕순
    • Journal of the Korean Home Economics Association
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    • 제40권2호
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    • pp.175-186
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    • 2002
  • The purpose of this study was to examine the influences of goal-oriented value to the financial management and financial satisfaction of female college students. The samples were selected from 541 female collegians. Data analysed were carried out using SAS package. Statistics used for data analysis was Cronbach'$\alpha$ coefficient, multiple regression, Pearson correlation analysis, and path analysis. The results were summarized as follows : First, resulting from the multiple regression analysis, the goal-oriented value had positive effects to the financial management - planning, implementing, evaluating, and saving - of female collegians. And the goal-oriented value had not indirectly but directly positive effects to the financial satisfaction. Second, the variables that have significant influence on the financial satisfaction were the level of household income, goal-oriented value, implementing, and monthly personal allowance.

Usefulness of microwave to melt rehydrated media and to remove oxygen from anaerobic tube media (Microwave를 이용한 배지 융해와 공기 제거)

  • 정윤섭;이귀녕;이삼열
    • Korean Journal of Microbiology
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    • 제18권3호
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    • pp.148-152
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    • 1980
  • The microwave of 2450 MHz, generated by a household cooking oven, was evaluated for its applicability to melt various rehydrated media and to remove dissolved oxygen from tubed media for anaerobic culture. The effect on the sterilization of E. coli in selective media was also evaluated. The following results were obtained. 10 The microwave oven was useful in saving time for melting media and in eliminating heat and combustion gas from the laboratory, which were inevitable by-products in the conventional flame method. 2) Dissolved oxygen could be removed without boiling over by exposing the tubes of anaerobic culture medium after putting them in a wire basket in a beaker with water. 30 The count of E. coli during the melting of MacConkey and EMB agar were similar to those treated with open flame. The microwave treatment was not considered a possible mean to replace autoclaving even in these selective media.

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