• KDI Journal of Economic Policy
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• v.38 no.1
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• pp.71-91
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• 2016

This paper examines the effect of the government college loan program in Korea on student academic performance, dropout decisions and loan defaults. While fairness in educational opportunities has been guaranteed to some degree through this program, which started in 2009, there has been a great deal of controversy over its effectiveness. Empirical findings suggest that recipients of general student loan (GSL) lower academic performance than those who received income contingent loan (ICL). Moreover, for students attending private universities, a higher number of loans received increased the probability of a dropout decision, and students from middle-income households had a higher probability of being overdue than students from low-income households. These findings indicate that expanding the ICL program within the allowance of the government budget is necessary. Furthermore, providing opportunities for students to find various jobs and introducing a rating system for defaulters are two necessary tasks.

• Proceedings of the KSRS Conference
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• 2003.11a
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• pp.516-518
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• 2003

This study discusses an effort to build a model to link normalized difference vegetation indices (NDVI) and socio-economic indicators derived from village survey (1990, 1993, 1996, and 2000) statistical data in Bekasi, West Java, Indonesia. Socio-economics indicators of sub-district level, in this study the number of agricultural households (AH), are aggregated from village level data. NDVI from Landsat-TM resolution data (1989 and 1997) are computed to detect land use/land cover (LULC) dynamics in the sub-district areas. Attention is mainly paid on the examination of agricultural land cover changing in the sub-district level. NDVI measurements might be used to predict AH dynamics as showed by computed linear regression models.

• Journal of the Korean housing association
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• v.12 no.4
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• pp.93-104
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• 2001

This study has been performed to analyze size and deficit problem of residential space in later life. In this study, 216 Koreans aged 50 to 79 were surveyed for their current residential space ad family related items such as age, marital status, living arrangement, birth order, and housing status. The results are drawn as follows: 1. The space size significantly fluctuates by marital status, number of generations living together, tenure, and structure type; For example, use of indoor area per person ranges from 7.01 pyoung for three-generation households to 19.53 for one-generation households. 2. s for space deficit, very old widowed females, 60's living in rented or multi-family housing units, and those living in three generations are high risk groups of the space deficit below 7 young per person. In this study, further researches are recommended as follows; Regarding the highest risk group of space deficit, life styles causing space-related conflicts should be studied, and accordingly proper welfare services for the causal life styles be offered. Housing maintenance & utility costs be investigated and guidelines should be proposed for any surplus groups among the 60's, so that their space surplus can be reduced by suitable adjustment process.

• Journal of Families and Better Life
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• v.17 no.4
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• pp.159-172
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• 1999

Relationships between socio-demographic variables and parents' education invest-ment motivation variables and extra-class private education expenditures were examined using a sample of 602 households in Inchon Korea. Tobit analysis was used. Singal-cognitive motivation parents' duty motivation household income housing asset father's occupation class and number of children had significant effects on extra-class private education expenditures on general high school students. To alleviate overspending in extra-class private education diploma pursuing society has to be changed and formal school education need to be properly functioning. Finally parents seek new child education paradigm for the creative labor demand in the next millenium.

• Journal of Distribution Science
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• v.12 no.4
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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.

• Journal of the Economic Geographical Society of Korea
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• v.15 no.4
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• pp.534-549
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• 2012

This study analyzed the effects of housing wealth on the balance accounts of elderly households with an age of over 60 facing the asset decumulation period, capitalizing upon an ordered logit model for the 2011 household finance survey data. Out of some variables representing personal and social characteristics, the age and waged worker variables had a positive effect, but the number of household, low education level, living in the apartment and capital region variables negatively affected the balance accounts of elderly households. Some variables reflecting economic wealth and financial strategies such as the attitude of risk-taking, ordinary income and the ratio of financial assets had a positive impact, but other variables such as DSR did a negative one on the balance accounts of the elderly households. The ownership of housing wealth variable positively, but the ratio of housing assets variable negatively affected the balance accounts of the elderly households, which could be derived from the duality of housing as both consumption goods and assets. However, the ownership of other real estates and the ratio of them in the total assets variables had a negative impact on the balance accounts of the elderly households. Furthermore, since the financial asset-debt ratio worsened the balance accounts of the elderly households with both housing and other real estates, it is implied that the purchase of real estates with excessive bank loans could make them dangerous.

• Korea Real Estate Review
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• v.27 no.4
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• pp.35-50
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• 2017

The Korean society is currently at the level of discussing the living environment and the housing welfare as factors for improving the quality of life, in addition to most individuals or households residing in a living environment and housing welfare, according to industrialization and urbanization. However, even though the overall housing welfare of Korea has improved, the number of households with disabilities belonging to the social special class is not as high as that of the non-disabled households. It is a reality that cannot be done. Therefore, this study aims to identify the present condition and demand characteristics of the housing for disabled people whose social importance is currently emphasized among the social special people who can be called the social special class, as well as present the housing welfare policy to them and explain the purpose of the improvement plan. In this study, 4,277 out of 8,004 households with disabilities surveyed by the Ministry of Land, Infrastructure, and Transport in 2015 were analyzed. The result of the analysis showed that the economic characteristics (permanent income indicating the income and the user cost indicating the expenditure) of the housing demand of a household with a handicapped individual are important. This analysis will provide more effective policy formulation and policy direction for the families of the disabled.

• Journal of Digital Convergence
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• v.16 no.12
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• pp.635-640
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• 2018

The study conducted a Focus Group Interview (FGI) on college students to identify single-person households and Solitary Deaths of single-person households recognized by college students. This can be provided as basic data to address problems in single-person households and social problems such as future youth solitary death and will contribute to building a social safety net. This study conducted FGI to analyze data for five fourth graders majoring in social welfare. In the case of involuntary independent living, the high poverty and unemployment rate of single-person households was cited as the cause of economic instability, housing problems and emotional relationship formation. He said that he thinks about young loneliness because he has vague fears about what happens in the media and what can happen to them. As the number of young single-person households will inevitably increase in the coming months and economic difficulties are the biggest problem and the biggest cause of young solitude, institutional support is needed first, especially for housing costs.

• Journal of Labour Economics
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• v.27 no.2
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• pp.91-115
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• 2004

Based on household characteristics, this study analyzes the sources of changes in income class. Using KLI panel data in 1998 and 2001, household equivalent income is calculated and households whose income class is changed are identified. Various household characteristics are examined to understand which characteristics are influential in income class changes. Empirical estimations are carried out by employing an ordered probit model. Region of residence, age of household head, education level of the head, the number of employed family members in 1998, and a change in the number of employed family members are shown to be statistically significant. Calculation of marginal probability based on the ordered probit estimation results show that the probability of upward movement in income class decreases as a household lives in rural areas, while the probability of upward movement increases as the household's head is better educated, the number of employed family members are higher and there is a higher increase in the number of employed family members. Age of the head has mixed results; while the probability of upward movement in income class decreases as the head gets older for the households in middle and high income classes, that probability increases as the head is in the range of the 40s and the 50s in low income class households.

• Journal of agricultural medicine and community health
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• v.13 no.1
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• pp.3-18
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• 1988

The general objective of this research is to study behavioral pattern of health care utilization and to measure the level of utilization of the traditional medicine. The specific objective is to study utilization pattern and content of folk medicine which is the indegenous medical technology recognized part of traditional medicine. This research was under taken to generate valid information that will provide basis data for formulating general direction for health education activities and for designing service package for general population. A social survey method was employed to obtain required information for the research activities, The survey field team consisted of 20 surveyors who all participated is an intensive 2 day training course. A total of 3091 households were visited and interviewed by the field team during the period 7 September to 6 October 1987. The major findings obtained from the information collected by the field survey are as follows ; 1) General characteristics of the study households 2562 households out of 3091 households visited were selected for final data process, 80.2 of the selected households were nuclear families ; 17.4%, extended families ; others 2.4%. Only 4.3 percent of the study population in the urban households indicated "no schooling" whereas 14.2% of the rural household members falls within this category. Study population in the urban areas are more protected against diseases by the national medical insurance system than those in rural areas. In their self appraisal of living standard, those who responded with low group are 39.6% and 50.3% respectively by urban and rural households. 2) Morbidity status Period prevalence rate for all diseases during the preceding 15 days before the date of the household interview v as 243,0 per 1,000 study population. For cases with the illness duration of within 15 days, the initial points of medical entry were diversied ; 56.9%, drug stores ; 30.9%, clinics and hospitals ; 4.6% folk medicine ; 1.7% clinics of Korean oriental medicine. Among the chronic case; with illness duration of over 90 days, 34.6% of these people utilized clinics and hospitals of modern medicine ; 31.6%, drug stores ; 18.6% clinics of Korean oriental medicine ; 6.8% folk medical techniques. Noticeable is the almost ten fold increase from the mere 0.9% in the utilization of Korean oriental medicine, whereas in the utilization of folk medicine, it is short of two-fold increase. 3) Folk medicine and its utilization Households that use folk medicine for relief and care of signs and symptoms commonly encountered in daily life, number 1969 households, which accounts for 76.9% of all the study households. This rather high level use of folk medicine is not different from rural to urban areas. The order of frequency of utilizing folk medicine among the study people are : the highest 14.3% for the relief of indigestion ; 8.6% for burns ; 5.1% for common cold ; 4.7% for hiccough ; and 4.2% for hordeolum. A present various procedures of folk medicine is being used to relieve all kinds of symptoms. 192 symptoms are identified at present. The most frequently used procedures of folk medicine appear to be based either on principles of the Korean oriental medicine or of scientific knowledge. Based on these survey findings, proposals for utilizing folk medicine are as follows First, this survey's findings will be feed back to both on the job training and on the spot guidance of community health practitioners, public health nurses and other peripheral work force in the health field, who are in daily contacts with community. This feed back will assure that the health personnel carry out their health education and information activities that are based on the utilization pattern of folk medicine as found in the survey result. Second, studies will be soon implemented that are designed to measure the efficiency and potency of these procedures and to improve these procedures of folk medicine were most frequently used by the community. Third, studies will continue to systematize medicinal plants and skills of Korean oriental medicine that are easily available at minimal cost in daily life for the prevention of diseases and management of emergency cases.