• 한국노년학
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• 제36권4호
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• pp.1125-1139
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• 2016

본 연구는 은퇴가 중 고령자의 운동과 흡연, 음주행동에 미치는 영향을 검증하고, 은퇴사유에 따라 은퇴가 건강행동에 미치는 영향에 차이가 있는지에 대하여 살펴보았다. 구체적으로 본 연구는 고령화연구패널 조사 1~5차년도(2006~2014) 자료를 활용하여, 패널 고정효과 로지스틱 회귀분석을 실시하였다. 분석 결과, 인구사회학적 특성 및 주관적 건강이 통제된 상태에서도 은퇴는 규칙적 운동수행에 정적인 영향을, 흡연과 음주행동에는 부적인 영향을 미치는 것으로 나타났다. 중 고령자가 은퇴할 경우에 비은퇴자에 비하여 규칙적으로 운동할 가능성이 약간 더 증가하였으며, 흡연할 가능성과 음주를 할 가능성은 모두 감소하였다. 중 고령자가 어떠한 사유로 은퇴하더라도 비은퇴자에 비하여 규칙적으로 운동할 가능성이 높았으나, 흡연 및 음주에 관해서는 은퇴사유에 따라 은퇴의 효과에 차이가 있었다. 즉, 건강상의 이유로 은퇴하거나 정년퇴직한 경우에만 흡연할 가능성이 유의하게 감소하였고, 실직하였거나 여가를 즐기기 위해 은퇴한 경우에는 비은퇴자와 비교하여 흡연여부에 차이가 없었다. 또한 건강상의 이유로 은퇴한 경우에만 음주를 할 가능성이 낮아졌고, 그 외의 사유로 은퇴할 경우에는 비은퇴자에 비하여 음주 여부에 차이가 없었다. 본 연구는 은퇴가 중 고령자의 건강행동에 전반적으로 긍정적인 영향을 미치며, 흡연이나 음주보다도 규칙적 운동의 수행에 가장 긍정적으로 작용함을 밝혔다. 또한 본 연구는 건강상의 이유로 인해 은퇴한 중 고령자는 은퇴를 본인의 건강행동을 개선하는 기회로 적극적으로 활용하는 반면, 실직하였거나 가족원을 돌보기 위하여, 혹은 여가를 즐기기 위해 은퇴한 경우에는 은퇴가 건강행동에 갖는 긍정적 효과가 제한적임을 시사한다.

• 산업경영시스템학회지
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• 제30권4호
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• pp.164-169
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• 2007

The estimation of mortality characteristics of industrial property is an important adjunct to engineering valuation and depreciation estimation. Once the important of depreciation estimation is determined, it is desirable to understand the processes upon which these estimates are based. The Iowa type survivor curves are a set of generalized retirement dispersion models. These curves were based on analysis of actual retirement experience and represent typical retirement behavior patterns likely to be encountered. The retirement rate of Iowa type survivor curves on the semiconductor equipments in Korea industry was estimated by the life estimation process. In this paper, estimates of service lives based on directly observed data of the domestic semiconductor equipments are presented.

• 한국사회복지학
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• 제57권3호
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• pp.415-435
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• 2005

본 연구는 '계획된 행동이론'과 '계층적 성격모델'을 이론적 근거로, 65세 이상 고령자의 '은퇴에 대한 재정적 준비행동'을 결정하는 개념적 구조를 고찰하였다. '충주지역 고령인구의 보건 복지실태'의 원자료를 이용하여 65세 이상 노인 253명의 자료를 분석하였다. 구조방정식모형을 이용한 분석결과, '은퇴준비를 위한 재정적 지식'과 '은퇴에 대한 재정적 준비행동' 사이의 인과관계만이 유의미한 것으로 나타났으며 가정된 구조방정식모형의 모형합치도는 매우 높은 것으로 분석되었다. 본 연구의 결과는 성격의 표면적 특성이 행동에 영향을 미친다는 계층적 성격이론과 지식은 행동의도가 실질적 행동으로 표면화되는데 결정적 변인이라는 계획된 행동이론의 논지를 실증하였다. 끝으로, 은퇴에 대한 재정적 준비를 위한 사회적 프로그램의 필요성 등 본 연구가 제안하는 사회복지의 실천적 함의가 논의되었다.

• 대한가정학회지
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• 제27권4호
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• pp.167-191
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• 1989

The present study was conducted to devlop and appropriate retirement home model for the elderly in terms of clothing and textiles; nutrition, health, and foodservice; housing and environment; and psychological adaptation. Specifically, the purposes of the study were: 1) to provide basic guidelines for clothing by comparing the clothing behavior of the elderly living in the retirement home and those living in their own homes with family, 2) to provide basic guidelines for balanced diet and effective foodservice, 3) to develop an ideal life space and facilities, and 4) to assess the psychological characteristics of the elderly. Questionnaires, observation, experimental method, and survey of literature were used for the study. Clothing behavior showed that the elderly were much concerned about clothing, and they preferred comfortable as well as fashionable designs. The elderly in the retirement homes complained of a lack of quantity and variety in clothing. They preferred natural fiber rather than blended fabrics. Flame resistance, thermal insulation, and flexibility of textile fabrics were found to be prime considerations in manufacturing and selecting clothing materials for the elderly. The health status of the surveyed elderly was generally good, but some poor eating habits were observed. Dietary nutrients intakes were generally sufficient, but several nutrients intakes were insufficient. The level of equipment in the kitchens of the institutions was low. Furthermore, the employment rate of dietitians in institutional settings was extremely low. This resulted in a lack of systematic foodservice management. Residents in the institution were generally satisfied with present life space and facilities but this was mainly because of abandonment, adaptation, and past experience. Optimal allocation of residents per bedroom and an adequate design for storage, bathroom, utility room, and dining room were recommended. The comparison of psychological status of the elderly living at home was more stable than those living in an institution. The emotional state of the elderly living in the institution was characterized by loneliness; they did not have close interpersonal relationships or future plans. An appropriate model for the elderly was developed on the basis of these findings.

• 가족자원경영과 정책
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• 제1권2호
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• pp.31-43
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• 1997

The purpose of this study was to analyze financial management and satisfaction of the elderly households using System’s Approach. 1) Financial management behavior was influenced by age, present job, husband’s job before retirement, assets, family income, living expenses, experiences of financial management. 2) Financial satisfaction was influenced by age, present job, husband’s job before retirement, assets, family income, living expenses, experiences of financial management, and assessment of family financial conditions. 3) The result of regression analysis of input variables on the throughput variable showed that age of respondent and the middle age experiences of financial management emerged as predictors of financial management. There variables accounted for 48% of variance in the financial management behavior. 4) When financial satisfaction was regressed against input and throughput variables, 55% of the total variance of the financial satisfaction was explained by financial goal and assessment of family conditions.

• 정보관리학회지
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• 제28권2호
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• pp.195-208
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• 2011

본 연구는 50대 공직자 500명의 일상에서의 정보탐색행태와 패턴을 탐색하고자 하였다. 구조방정식을 활용한 설문자료분석은 은퇴예정집단으로서 베이비붐세대의 개인정보환경, 개인정보추구태도, 온라인정보태도, 정보추구의 장애, 은퇴기대와 도서관기대라는 6개의 변수간의 상호 연관관계 모형을 보여주고 있다. 그 중 개인정보환경과 정보추구태도는 은퇴기대와 유의미한 관계가 있음을 입증하였다. 이 연구결과는 노령사회를 대비하여 새롭게 부상하게 될 도서관이용자집단에 대한 도서관정책개발의 기초자료로 활용될 수 있을 것이다.

• 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.

• 유통과학연구
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• 제13권11호
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• pp.69-77
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• 2015

Purpose - Economic status at an early stage of life after one's retirement is often determined by the long-term sacrifice of one's earlier consumption tendencies. In general, the first and foremost way to secure income after retirement is through annuity savings. People sign up for personal annuity savings in order to guarantee a stable economic life upon retirement, and such actions may be heavily influenced by self-efficacy. Confidence in current economic activity is a source of rational decision-making. Inability to achieve self-control can lead to reckless spending and the eventual hindering of proper investment for the future. This paper examines how self-efficacy and self-control affect the intention and action of enrolling in an annuity savings plan in relation to one's level of financial literacy. Research design, data, and methodology - To analyze the proposed model, this study investigates financial consumers over the age of 20. The data were collected from 511 respondents and analyzed with SPSS 21.0 and AMOS 21.0. First, for the one-dimensional test and to measure the convergent validity of each structure, we use the scale purification process. The results of the test and the confirmatory factor analysis ensure the focus of the validity of the single dimension for each structure. In addition, the validity of the measurement was guaranteed from the results of correlation analysis. Results - First, self-efficacy and self-control have positive effects on the purchasing intention of the personal annuity savings plan. Second, purchasing intention positively affects purchasing behavior. Lastly, self-control has a positive effect on purchasing intention among the low financial literacy group, whereas self-efficacy does not have this effect in the high financial literacy one. Conclusions - The time of product benefit is different with age. The younger group would be granted the savings after several decades once they enroll, whereas the older group would wait for a relatively shorter period of time. Therefore, further research should be conducted in order to verify such a difference. However, this study has value through its confirmation that the roles of self-efficacy and self-control play a part in leading to the enrollment in annuity savings plans and by verifying different effects based on levels of financial literacy. Such results suggest a number of implications in a real life setting. First, banks need to put greater emphasis on the stability of annuity savings in general. Second, customers with relatively low levels of financial literacy are able to control their finances through annuity savings, but find self-efficacy difficult due to a lack of financial understanding. Therefore, such customers should be approached from an invest-effectiveness comparison method. Third, customers with high financial literacy tend to put more value in rational economic decision-making and behavior than in self-efficacy. Therefore, such customers should be approached by promoting the reliability of annuity savings and the excellence of the specific bank's annuity savings plan in comparison to those of other financial institutions.

• 한국콘텐츠학회논문지
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• 제21권1호
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• pp.626-638
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• 2021

본 연구는 생애사 연구로서 교직에서 은퇴한 유·초·중등의 남·여 교원의 삶을 통하여 은퇴의 의미와 적응과정을 탐색하여 교원 은퇴자들에게 개인적·사회적 필요가 무엇일지 알아보고자 하였다. 연구 결과, 어린 시절의 성장 경험과 학창 시절의 경험은 학생에게 선한 영향을 주거나 하지 말아야 할 행위의 한계를 설정하는데 기여하는 등, 오롯이 본인의 직업 수행에 영향을 준 것을 알 수 있었다. 상호의존의 시기에 단순 직업인을 넘어서 사회와 국가에 봉사하는 데에 기여하였고, 교직 후반기에는 아픈 경험이 자원이었고 '생각을 바꾸니 세상이 바뀌었다'는 표현으로 깨달음을 얻었다고 하였다. 교원이 미치는 행위의 영향이 다른 직업과 달리 다수의 대상에게 미친다는 점에서 교원 은퇴자들에게는 은퇴 전의 직업에 대한 보람이나 만족감이 다른 직종과 대비될 정도로 컸다. 그러나 은퇴 후에 교원 은퇴자들은 무한 자유에 행복을 느끼면서도 소속감과 성취감 없는 삶에 심리적인 공허함을 느꼈다. 그리고 새로운 공부에 도전하며 삶의 이모작을 위한 끊임없는 전진을 하고 있었다.

• The Journal of Asian Finance, Economics and Business
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• 제9권6호
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• pp.11-21
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• 2022

The perspectives on aging women's financial security during their retirement years are based on their behavior, planning, and decision-making processes during their working years. Elderly women are considered vulnerable and have a longer life expectancy, lower-income, and limited financial understanding compared to males; therefore, drastic steps need to be taken to improve their financial stability and quality of life. The current study sought to determine the most important contributors to retired women's financial health by measuring the value of four factors/variables: capability, opportunity, willingness, and biopsychosocial. This study used a mixed model approach, with qualitative analysis in the first phase involving a focus group discussion session, a pilot analysis, and quantitative analysis for phase two involving the distribution and collection of questionnaires completed by retired women. The surveys were distributed across Malaysia in five distinct zones and yielded 339 usable replies to support the theory. The outcomes of the Multiple Regression Analysis in Malaysia revealed that capability, opportunity, and biopsychosocial factors are significant predictors of retired women's financial security, whereas the willingness indicator lacked statistical significance.