• 한국주거학회:학술대회논문집
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• 한국주거학회 2008년 추계학술발표대회 논문집
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• pp.144-149
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• 2008

This study is aim to execute multiple analysis about housing plan to target middle old aged households. This results can be applied to an important information for housing plan of middle old aged households to search about how does housing plan realized through their consciousness, satisfactions and selection preference of housing. The detailed purpose of this study is stated in below. First, this study shows specific attributes of middle old aged households. Second, this study shows the consciousness of middle old aged households for housing. Third, this study shows the preferences of middle old aged households for housing. Forth, this study also shows the upcoming housing plans through the consideration of their consciousness and preferences for housing selection. All data of this study was achieved through questionnaire survey, personal interview and photo shooting. Totally three hundred seventy copies were used for final analysis to target middle aged people after forties in Ulsan. The questionnaires in this survey were consisted of 5 major items such as the attributes of social demography, housing values, preferences, satisfactions related to results of consciousness and housing choices.

• 가족자원경영과 정책
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• 제16권4호
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• pp.131-152
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• 2012

The aims of this study were to analyze middle-aged households' financial preparation for retirement. Specifically, this study surveyed the relation between human capital investment for children and the middle-aged households' financial preparation for retirement and investigated factors influencing financial preparation for retirement. Data were obtained from the 3rd Korean Retirement and Income Study (KReIS) in 2009, and a sample of 757 households was selected. The statistical methods were frequency, percentile, mean, standard deviation, ${\chi}^2$, t-test, Pearson's correlation coefficient, and logistic regression analysis. The findings of this study are as follows. First, the percentile of preparation for living costs for old age was 49.9% for the middle-aged households. In terms of the types of preparation for living costs for old age, the results showed 61.6% of personal preparation, 33.9% of pension system, and 1.3% for children and relatives. In relation to the adequacy of the preparations for living costs for old age, preparations made by 57.4% of the middle-aged households were inadequate. Observing the minimum living costs for old age and adequate living costs after retirement for single and couple, the minimum living costs of the middle-aged households was 1.46 million won for couple and 0.91 million won for single. The adequate living costs for old age was 2.07 million won for couple and 1.34 million won for single. Second, there were 757 households with total education expenditure. Of these, 208 incurred annual expenditure on public education, and the annual expenditure for public education was 7.28 million won. There were 170 households with annual expenditure for private education, and the annual expenditure for private education was 2.50 million won. 243 households of middle-aged households had annual expenditure for human capital investment, including both public and private education, with annual expenditure for human capital investment for children of 7.82 million won. Furthermore, in the human capital investment factor, there was a difference in the middle-aged households' financial preparation for retirement according to their annual expenditure for human capital investment including both public and private education. In addition, there was a difference in financial preparation for retirement based on their public education expenditure. Third, in the logistic regression model 1, which included human capital investment, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and human capital investment. In the logistic regression model 2, which included annual expenditure for public education and annual expenditure for private education, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and annual expenditure for public education.

• 가정과삶의질연구
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• 제26권2호
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• pp.83-101
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• 2008

This research performs a multi comparison between the age of old households and the economic structure according to accommodation type as well as analyzing the economical structural difference of each type based on the features of aged households. The paper classified aged households into 3 groups according to age distribution. The economic structure analysis according to the age of old households and accommodation type was shown as follow: First, the economical structural analysis based on the age of old households showed a statistical difference in the total, labor, business, property and transfer income variables according to the age of each sample group. However, the non-business income and liabilities did not show a significant difference. Second, in the analysis of different economic earnings and initial expenses of middle-aged households according to the age distribution group showed a disparity in the total, labor, business, property, and transfer income variables according to the age of each sample group. However, aged households showed a statistical difference in total, labor, business and transfer income variables. Third, in the analysis of difference in the expense provision and size of consumption, there was a statistical difference in the expense variables of total consumption, food, dining out, electricity, water, furniture, kitchen supplies, clothing, shoe, education, culture, entertainment, transportation, and communication. Fourth, in the analysis of difference in the size of consumption expense, the initial and middle-aged households showed a statistical difference in the total consumption, food, dining out, electricity, water, furniture, kitchen supplies, clothing, shoe, education, culture, entertainment, transportation, communication, and consumption expense variables. However, the analysis of aged households has shown a statistical difference in the total consumption, food, dining out, electricity, water, furniture, kitchen supplies, clothing, shoe, education, culture, entertainment, transportation, and communication expense variables. The study found a statistical difference in the expense for hygienics that did not appear in the initial and middle-aged households.

• 가정과삶의질연구
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• 제16권2호
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• pp.83-96
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• 1998

The purpose of this study was to investigate the level of assets and liabilities of farm households and to evaluate the financial status of rural middle-aged and old-aged household using financial ratios. For these purposes an empirical survey data was gathered from rural middle-aged and old-aged households in 8 provinces using structured questionnaires. 877 households data were used in final analysis. The statistical methods used for data analysis are frequency percentile mean The statistical methods used for data analysis are frequency percentile mean median standard deviation $\chi$2 and t-test using SPSS/PC WIN program. Among financial ratios 64.7% of total households could meet the guideline of consumption to income ratio 5.9% of total households could meet the appropriate level of short-term and long-term liquidity. In the case of debt burden ration 82% of total households could meet the guideline. And 28.5% of total households could meet the guideline of capital stock ratio .

• 대한가정학회지
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• 제50권4호
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• pp.37-50
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• 2012

This research was conducted for the analysis the middle-old aged empty nest households' debt holdings and their financial status(emergency fund index, liquidity index, debt burden index) considering the level of income and assets. In order to accomplish this study, we made use of the KReIS third beta-version data. The results of the analysis were as follows. First, in all income asset groups there were more non-debts holding houses compared to debt holding houses. Moreover in debts holding houses, compared to other groups high income high assets groups were more. Second, the households that possessed more assets, had more debts. Third, the financial status of the households holding debts were more vulnerable compared to households that had no debts. Moreover, all income asset groups' emergency fund index were low. Households having no debts possessed low real assets and so the liquidity index was higher in holding debts households. In holding debts households, debt burden index was high. And especially these houses suffered from high debt burden when their income and asset were low.

• 대한가정학회지
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• 제35권5호
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• pp.1.1-15
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• 1997

The purposes of this study were to identify the household's financial status by life cycle stage and no analyze contributing factors to financial planning for retirement preparation among Korean marred couples. For these purpose, 2074 married couples those being under 55 and having either single earner or dual earners were selected, and total sample was divided into three stages; young-aged(＜35), middle-aged(35-44) & old-aged(45-54). Statistics were frequencies, means, percentile, and logistic analysis. The results were as follows. First, old-aged had higher level of total income, total expenditure and total assets than either young-aged or middle-aged. In addition, households those holding private pensions were likely to have higher total income, total expenditure and total assets than those owning no private pension. while middle-aged had a highest total debts. Second, gini coefficients of total income and total expenditure between three aged groups were similar, but old-aged had the highest gini coefficient of total assets and total debts. In particular, gini coefficients of total assets and total debts of households those having no private pension were greater than those holding private pensions. third, contributing factors to private pension ownership of young-aged were family & household-related factor and financial factor, middle-aged's factors were household head's characteristics and financial factor. Also, old-aged's factors were household head's characteristics, family & household-related factor and financial factor.

• 대한가정학회지
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• 제48권4호
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• pp.1-12
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• 2010

The purpose of this study was to find the differences of financial structures of real estate and the factors influencing on it between two groups of subjective financial adequacy and non-adequacy for later years among middle & old aged households. The data were drawn from KREIS(Korean Retirement and Income Study) surveyed by National Pension Research Institute in 2007, and 3,889 couple households with householder's age over 50 were selected. Major findings were as following. First, only 19.3% of households answered that they had enough money for later years. And they had lower real estate-to-total assets ratio (.84) and lower residential house value-to-total assets ratio (.52) than the counter part. Second, for the group who answered that they had enough money for later years, the factors influencing on total real estate were found to be income, debt, and liquid assets.

• 가족자원경영과 정책
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• 제25권4호
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• pp.87-99
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• 2021

본 연구는 과거 혼인경험과 관계없이 중년 무배우남성을 1인가구와 다인가구로 구분하여 인적자본과 사회자본의 차이를 살펴보고 생활만족도에 영향을 미치는 효과를 비교하였다. 제13차년도 한국복지패널조사(2018)를 사용하여 중년 무배우남성을 연구대상으로 분석하였다. 주요 분석결과는 다음과 같다. 첫째, 중년 무배우남성 1인가구는 이들의 혼인상태와 관계없이 교육수준, 경제활동상태, 인터넷사용 등 인적자본 수준은 다인가구보다 낮았다. 둘째, 중년 무배우남성의 가구주 여부에 따른 인적자본과 사회자본 수준의 차이를 보면, 이혼·사별 경험이 있는 다인가구인 비가구주 중년남성은 1인가구에 비해 사회자본의 수준이 현저히 낮았다. 미혼의 경우, 1인가구에 비해 비가구주 중년남성의 미취업 비율은 높고 상용근로 비율은 낮았다. 셋째, 혼인상태에 따른 중년 무배우남성의 생활만족도에 미치는 인적자본과 사회자본의 효과를 분석한 결과, 인적자본변수 중 경제활동상태는 이혼·사별집단에서 1인가구와 다인가구에 공통으로 영향을 주었다. 사회자본의 효과를 보면 미혼집단에서 1인가구와 다인가구 모두 유대수준이 높을수록, 다인가구에서 신뢰가 높은 집단이 신뢰가 낮은 집단에 비해 생활만족도에 긍정적 효과를 주었다. 이혼·사별집단에서는 1인가구에서 자원봉사참여가, 다인가구에서는 신뢰가 생활만족도에 유의한 사회자본 변수로 나타났다. 최근 한국사회에서 1인가구를 대상으로 하는 특화된 프로그램이 건강가정지원센터를 비롯한 지역사회에서 강화되고 있는데, 향후 중년 대상 프로그램의 경우에는 1인가구라는 가구의 형태보다 오히려 이용자 요구에 초점을 맞추어 1인가구로 한정하지 않는 것이 다인가구임에도 소외되기 쉬운 중년 무배우남성의 정책접근성을 높일 것으로 기대된다.

• 보건행정학회지
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• 제24권1호
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• pp.56-70
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• 2014

Background: Korea shows rapid population aging and increase in healthcare service use and expenditure. Also, this would be accelerated because of the baby boomers who will be 65 years old and more in 2020. Chronic disease is another reason that increases the use of healthcare service and expenditure of the middle- and old-aged households. Catastrophic health expenditure (CHE) is the index which can indicate the households' burden of health spending. Despite the importance, there are few studies on CHE of middle- and old-aged households and especially no panel study yet. This is the reason that this study is carried out. Methods: This study used 3-year data from the Korea Welfare Panel Study conducted from 2009 to 2011. We defined CHE if a household's health expenditure is equal or greater than the threshold value if income remaining after subsistence needs has been met. We used 4 different threshold values which are 10%, 20%, 30%, and 40%. In order to look at the households which experienced CHE, we conducted panel logit analysis after correspondence analysis and conditional transition probability analysis. Results: This study showed three notable results. First, there has been a difference among age groups, which implies that the older people are, the more easily they can experience CHE. Second, the households with no private insurance are shown to have a higher CHE occurrence rate. Lastly, there has been a significant difference among the kinds of chronic diseases. The households which have cancer, cerebrovascular disease, and heart disease have a higher CHE occurrence rate. However, the households with diabetes have no significant effects to CHE occurrence. Also, hypertension has a negative effect to the occurrence. Conclusion: With the results, it can be implied that elderly people with chronic disease are more needed in medical coverage and healthcare. Also, private insurance can play its role in protecting households from CHE. Therefore, it needs to conduct studies on CHE especially about different age groups, private insurance, and chronic disease.

• 한국식품영양학회지
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• 제34권1호
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• pp.88-95
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• 2021

This study compared the lifestyle patterns, dietary patterns, and health care practices of Korean middle-aged people by household type, and ultimately analyzed their relationship with different risk factors for the prevalence and severity of metabolic syndrome. We analyzed the data from 4,755 subjects who were from 40 to 64 years old, and gathered our sample from participants of the Korea National Health and Nutrition Examination Survey from 2013 to 2015. Our results showed that single-person households had lower economic income levels, lower subjective health statuses, and higher levels of food instability than households with two or more individuals. The incidence of metabolic syndrome was 1.64 times higher in single-person households than in households with two or more individuals. After adjusting for potential confounding factors (sex, age, education, household income, smoking status, health status, and dietary factors), single-person households showed 1.75 times higher hypertriglyceridemia ORs than non-single-person households. In the conclusion of our study, we suggest that middle-aged people in single-person households may be at greater risk for metabolic syndrome and hypertriglyceridemia.