• 대한가정학회지
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• 제36권3호
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• pp.47-60
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• 1998

This Pupose of this study was to identify the type of attitudes toward money to investigate the relationship between the attitued and consumption expenditure pattern. Data were obtained from 398 household living in Seoul. Factor analysis was used for examining dimensions of attitudes toward money and cluster analysis for classifying the households by money attitudes. This study found five money attitude dimensions, i.e., the Means of Success dimension, the Means of Pleasure dimension, the Means of Security dimension, the Symbol of Anxiety dimension, and the Parsimony dimension, Based on the variation in the dimensions, five money types were identified, ie., the Means of Success, the Means of Pleasure, the Means of Security, the Symbol of Anxiety, and the Parsimony.

• The Journal of Asian Finance, Economics and Business
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• 제9권2호
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• pp.355-361
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• 2022

The goal of the study was to see how polymer banknotes affected users' purchasing intention. Variables affecting the properties of polymer banknotes were considered, including security, ease of use, convenience, and durability. To achieve the study's main goal, quantitative methods were used, and a questionnaire was created and posted online through Google Forms to collect primary data. The questionnaire was completed by 403 people, and the data was screened and analyzed using SPSS.The study found that using Polymer money influenced people's behavior, particularly in terms of purchase patterns, decisions, and impulsive behavior toward purchases. This was attributed to the security and simplicity of using Polymer money, which appealed to many people. Furthermore, the study found that people lost their feeling of spending, meaning that using polymer money didn't feel like spending to them, effectively eliminating the moral guilt associated with excessive spending and encouraging more impulsive buying decisions.Based on the findings, the study recommends that a study be conducted to compare the use of Polymer money with tiny and large banknotes to see what kind of difference there is.

• 가족자원경영과 정책
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• 제17권2호
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• pp.173-194
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• 2013

The purpose of this study was to examine the association between time-income availability and health-promoting behavior (physical practice, smoking, alcohol consumption) of older males (55-69). This study attempted to shed light on health-behavior changes during the transition period of male retirement. The availability of time resources was examined by addressing the amount of weekly paid labor hours. The availability of financial resources was calculated by using the debt-income ratio. The study sample comprised 1,372 (age range 55-69) male respondents of the 2006 Korean Longitudinal Study of Aging (2006 KLOSA wave 1). The results of CHAID (CHi-squared Automatic Interaction Detection) analysis uncovered four distinctive combinations of resource types: time-money poor, time rich, money rich, time-money rich. According to logit results, these four groups had different socio-demographic profiles and different health-behavior risks. The time-money poor males were unlikely to perform physical activities needed to improve their health or to quit smoking or alcohol consumption. This group was also more likely to consume alcohol compared to the time-money resource types. In contrast, the time-money rich group was more likely to exercise longer and more frequently than the reference group (time and money poor). The time-rich types, those who have time-only resources and less money, were likely to be smokers and have problems with alcohol consumption.

• 한국재난정보학회 논문집
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• 제17권3호
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• pp.600-607
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• 2021

연구목적: 본 연구의 목적은 가상화폐를 통한 범죄수익금의 자금세탁 경로를 범죄스크립트 분석을 이용하여 살펴보고, 이에 대한 형사사법기관의 예방 및 대책 방안을 강구하기 위함이다. 연구방법: 자금세탁을 통한 가상화폐의 수익 경로에 대하여 선행연구 조사결과와 우리나라에서 발생된 범죄사례 등을 바탕으로 범죄스크립트 기법을 활용하여 자금세탁 경로를 분석하였다. 연구결과: 자금세탁을 한 가상화폐 대부분이 범죄수익금으로 전환되고, 이 수익금은 다시 세탁되어 현금화 되거나 범죄자금으로 쓰이는 악순환이 발생되는 특징을 가지고 있다. 이에 스크립트를 통해 본 결과 자금세탁의 경로는 익명성을 이용한 가상화폐거래소에서 주로 범죄수익금으로 전환되고 있으며, 이 경로를 여러 번 반복되기 때문에 가상화폐소를 이용하여 세탁되어진 자금을 형사사법기관 등에서 찾는 것이 매우 어려운 것으로 파악되었다. 결론: 가상화폐를 이용한 자금세탁의 방법이 교묘화 되어가고 있어 이에 따른 흐름을 파악한 뒤 자금세탁에 대한 가상화폐 거래금지 또는 몰수에 따른 강력한 처벌과 피해를 예방할 수 있는 제도적 보완장치가 마련되어야 할 것이다.

• 한국사회복지학
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• 제41권
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• pp.43-67
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• 2000

The main source in financing the National Pension benefits is the contribution raised from the insured's earnings. So, Most of the insured take a great interest in the questions of what return on the payment of contribution National Pension benefits provide and whether there be the difference in return according to earnings level. The Purpose of this study is to assess money's worth of National Pension and to answer the above questions. There are two basic types of money worth analysis, empirical and hopothetical. This study basically belongs to the former in terms that it is based on actual earnings and insured term. For performing money's worth analysis, four different measures which are referred as the "break-even period", the "benefit/tax ratio", the "net lifetime transfer", the "internal rate of return" are used and they all involve the way in which the relationship between the present value of contributions and the present values of benefit is present. The results which evaluate average money's worth of accrued rights before 1999 are le as follows. Break-even period is about 43 months, benefit/tax ratio being 4.9, net lifetime transfers being about 37 mil1ion won, internal rate of return being 33.2%. This verifies that money' worth of National Pension is much higher than actuarially fair. In the mean while, money' worth is proved to be very different according to earnings level. The progressivity relationship between earnings level and rate of return is found in all measures but net lifetime transfer.

• 한국생활과학회지
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• 제14권1호
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• pp.95-105
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• 2005

This study examined the factors affecting college students' money management behaviors according to credit card usage. The data were collected from 481 college students in Busan and Gyeongnam areas by a self-administered questionnaire. Frequencies, Cronbach's Alpha, factor analyses, t-test, Pearson's correlation analysis, and regression analyses were conducted by SPSS WINDOWS. The results from this study were as follows. First, there were significant differences between credit card usage group and non-usage group in the means for future preparation, stingy attitude, and planned expenditure. However, there was no significant difference in the mean of money management behaviors. Second, for the credit card usage group, the significant variables affecting money management behaviors included sex, grade, experience of consumer education, father's occupation, monthly household income, future preparation, stingy attitude, methods of emotional change, planned expenditure, and negative recognition. On the other hand, for the non-usage group, grade, experience of consumer education, father's occupation, way of success, future preparation, stingy attitude, planned expenditure, and conditional permission were significant. These results imply that financial management education including values about money and consumption patterns should be conducted.

• 한국컴퓨터정보학회논문지
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• 제23권5호
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• pp.41-46
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• 2018

This study focuses on the legal concept of virtual money, focusing on the case of how we can change the framework of fixed thinking about our trade concept and money with the fourth industrial revolution. The legal character of the virtual money, which played a role as a means of trading in crime, could be discussed, and the court could put it in the category of " property " as a subject of confiscation. Many people are expressing empathy for the fact that there will be many traits in the future world that are difficult to predict. At this side, when the legal validity of the advantage is not recognized as the legal money yet to be recognized as the legal currency, it begins to be discussed as a necessary means of trading between individuals, businesses and individuals. Defining a legal character can be very significant in determining policy direction related to future operations of virtual money. But to date, it is very difficult to establish the legal character of virtual money through existing legislation. Therefore, as we looked at in this case, we examined whether the property was subject to the seizure of the profits from the crime. Attention was also given to the possibility of such abuse of virtual money and whether effective legal interpretation was possible for the categories of assets subject to seizure.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.331-339
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• 2021

The youths are characterized by their reckless and ambitious behavior. They exhibit a strong tendency to make risky decisions that may jeopardize their future. These qualities are also in line with their experience-seeking behavior. As young entrepreneurs aim high in profit-seeking activities, their ethical stance may be compromised. Moreover, their money profile increases at an accelerated pace, leading them to love money even more. Quantitatively, this study was the first to investigate the behavior of young entrepreneurs in terms of their love of money, religiosity, and ethical perceptions by adopting the hadith perspective in Islamic tradition by developing the scales of all constructs. The respondents were 261 members of the Indonesian Young Entrepreneur Association in Sulawesi Selatan, Indonesia. This study also examined gender as the moderating variable. This study found that the love of money affects ethical perception negatively; on the other hand, religiosity positively affected ethics. Gender is found to moderate religiosity, but not love of money. These results signify the harmful impact of loving money too much on young entrepreneurs' ethics; furthermore, the scales developed from hadith revelation were able to capture the empirical findings significantly.

• International Journal of Computer Science & Network Security
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• 제21권6호
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• pp.187-199
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• 2021

The research aims to measure the control procedures' effectiveness, followed by the University of Northern Borders employees. A questionnaire was developed and distributed to the target sample of financial and auditing affairs employees at the university, where the researcher followed the existing descriptive-analytical approach. The researcher relied on the field survey, and statistical analysis (spss) was used. The researcher has found that the control procedures used are highly efficient in reducing public money waste. The researcher has presented recommendations that may contribute to developing the work of oversight in combating waste of public money. These recommendations include: Increase the interaction between the General Oversight Office and the internal oversight departments at the University of Northern Borders, the incentives provided to the oversight and accounting staff for their efforts to combat public money waste. It encourages them to maintain public money and work to obliging employees to undertake training courses periodically to develop their skills and rehabilitate them in line with modern control procedures. Also, more studies and scientific research on the waste of public money and types of administrative and financial Corruption and the law in all state sectors and reach conclusions and recommendations will help decision-makers amend laws and regulations to serve the public benefit of the university and the state.

• 감성과학
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• 제16권1호
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• pp.43-52
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• 2013

시간과 돈 효과는 시간이라는 개념이 돈보다 소비자의 제품에 대한 태도 및 의사결정에 긍정적인 역할을 한다는 것을 의미한다. 시간과 돈을 어떻게 사용하는가는 각 개인의 정체성과 밀접한 관계가 있다. 기존 연구에 의하면, 시간은 경험으로 존재하기 때문에 시간은 물질적 제품보다 경험적 제품에 대해 좀 더 긍정적인 소비자 반응을 유발하는 반면, 돈은 소유로 대표되는 물질주의적 가치와 관련되어 있으므로 경험적 제품보다는 물질적 제품에 대해 좀 더 긍정적인 소비자 반응을 유발한다. 본 연구에서는 기존의 제품유형에 스마트폰을 더하여 시간과 돈의 효과가 소비자의 반응에 어떤 영향을 주는지를 알아보고자 하였다. 실험 1에서는 기존에 자신이 사용하였던 제품에 대한 평가를 실시하였다. 연구 결과, 소비자의 만족도에 대해 시간과 돈 활성화 조건과 3 가지 제품유형(패밀리 레스토랑, 스마트폰, 고급브랜드청바지)간의 상호작용이 관찰되었으며, 스마트폰에 있어서는 시간활성화가 돈활성화보다 높은 만족도를 유발하였다. 실험 2에서는 실험1에서 사용된 제품유형에 대한 이미지 광고를 사용하여 시간과 돈 효과를 살펴보았다. 제품에 대한 태도, 만족도, 구매의사, 개인적 관련성 변인 모두에서 시간돈활성화 조건과 제품유형간의 상호작용이 관찰되었으며, 역시 스마트폰에서만 유의미한 활성화조건간 차가 관찰되었다. 아울러 활성화조건의 주효과도 관찰되어 시간활성화 광고가 돈활성화 광고보다 훨씬 효과적인 것으로 나타났다. 연구결과에 대한 이론적, 실용적 함의점이 논의되었다.