• 제목/요약/키워드: the money management

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AStudy on Appearance Management Behavior Related to Well-being lifestyles of Women

  • Lee, Ji-Young;Kim, Yong-Sook
    • International Journal of Costume and Fashion
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    • 제7권2호
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    • pp.1-17
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    • 2007
  • The purpose of this study was to identify appearance management behavior related to well-being lifestyle of women. The results of the study were as follows: 1. The factors relating to a well-being lifestyle were personality and value, fashionable appearance, leisure activity, healthy food, brands, social activities, reasonable consumption, environmental protection, and individuality. The factors of appearance management behavior were weight management and skin care, apparel and accessory management, dietary treatment, bathing, make-up and hair styling, underwear management, using hospitals, beauty salons, and identity kits. 2. Women were classified into 4 kinds of groups: well-being, reasonable value pursuit, ostensible consumption, and bad-being. 3. The members of the well-being group were generally married, highly educated, had a high income, and spent a lot of money for their appearance management. They had a high level of appearance management in terms of weight and skincare, apparel and fashion accessories management, dietary treatment, bathing, make-up and hairstyling, underwear management, and in the use of hospitals and beauty salons. The members of the reasonable value pursuit group were generally married, less educated, with a medium income, and spent little for their appearance management. Members of the ostensible consumption group were generally unmarried, with a low income but spent lot of money for sundries and appearance management. They also had a high level of appearance management with regard to weight training and skin care, apparel and fashion accessory management, underwear management, the use of hospitals and beauty salons, and using identity kits. Members of the bad-being group were generally unmarried, had low incomes, little disposable income, spent little on appearance management, and didn't manage their appearance as a whole.

농촌 주부의 재무관리 행동에 관한 연구 -도시근교 농촌을 대상으로- (A Study on Financial Management Practices of Rural Housewives)

  • 배희선;최은숙
    • 한국농촌생활과학회지
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    • 제6권2호
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    • pp.137-149
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    • 1995
  • The first objective of this study is to examine the finanacial management practices of rural housewives. The second objective is to determine the effects of sociodemographic characteristics on financial management practices. The Deacon & Firebaugh's model of family resource management framework and previous studies were used to determine the effects, regarding a9e, income, number of family, education level, and farming/nonfarming as independent/input variables, and monthly saving and managerial behavior index as dependent/throughput variables. A sample of 179 rural housewives aged less than 60 was selected from Shihung-Si Gyonggi-Do Province. Results showed that rural housewives more frequently did keeping bills, making purchase-list and verifying purchase need than recording where money spent making financial plan, and evaluating spending. With regard to household debt use, 60% of the sample had debt the most borrower used debt for farming, 73% of borrowers paid for their debt behind the schedule, and the main source of borrowing was NACF (NongHyup). Using installment credit, the rural housewives mainly bought cosmetics. 25% of the sample had credit cards. Average debt was 6, 070, 000 won, and 81% of annual income. In terms of saving, 85% of the sample saved, and 23% of the sample lived with the money after save. The main reasons of saving were for education and marriage of children and emergency. The main saving institutions were NACF and NLCF (ChukHyup). The regression showed that income was negatively associated with monthly saving, and age was identified as the positive determinants of managerial behavior index.

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GIS를 이용한 왕숙천 유역의 생태계 관리 시스템 (Ecosystem management system of Wangsuk stream region by geographical information systems)

  • 이웅재;원두희
    • 환경위생공학
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    • 제16권3호
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    • pp.54-60
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    • 2001
  • The need and concern about ecosystem are growing rapidly. However, ecosystem management systems are still in the first stage since the data are handled locally and separately. It results in the waste of money and time. In this research, we designed and implemented ecosystem management system of stream region using geographical information system(GIS) that is able to be used to manage the natural resource efficiently. It is expected to be used as a useful tool for Improvement of environment and management of ecosystem as well as recovery of natural environment.

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Impact of Exchange Rate Volatility on Trade Balance in Malaysia

  • AZAM, Abdul Hafizh Mohd;ZAINUDDIN, Muhamad Rias K.V.;ABEDIN, Nur Fadhlina Zainal;RUSLI, Nurhanani Aflizan Mohamad
    • The Journal of Asian Finance, Economics and Business
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    • 제9권10호
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    • pp.49-59
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    • 2022
  • This paper examined the impact of real exchange rate volatility on trade balance in Malaysia by using quarterly data from year 2000 until 2019. Generalized Autoregressive Heteroscedasticity (GARCH) model was used to extract the volatility component of real exchange rate before examining its impact on trade balance. Furthermore, Autoregressive Distributed Lag (ARDL) model was used to investigate the long-run relationship and short-run dynamic between trade balance, money supply, national income and volatility of exchange rate. Empirical results show the existence of co-movement between variables under study in the long-run. However, the results also suggest that volatility of real exchange rate does not significantly affect trade balance neither in the long-run nor short-run. The risk which is associated in the movement of exchange rate do not influence trader's behaviour toward Malaysia exports and imports. Thus, it should be note that any depreciation or appreciation in Malaysian Ringgit do not have an impact towards trade balance either it is being further improved or deteriorates. Hence, exchange rate volatility may not be too concern for policymakers. This may be partially due to manage floating exchange rate regime that has been adopted by Malaysia eventually eliminated the element of risk in the currency market.

이더리움 기반 이메일 시스템 모델 (E-mail System Model based on Ethereum)

  • 김태경
    • 디지털산업정보학회논문지
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    • 제13권4호
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    • pp.99-106
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    • 2017
  • With the advent of virtual money such as bit coins, interest in the block chain is increasing. Block Chain is a technology that supports Distributed Ledger and is a versatile technology applicable to various fields. Currently, the block chain is conducting research for various applications such as virtual money, trade finance, marketplace, power market, image contents service, and IoT. The technologies that make up the block chain are smart contract, digital signature/hash function and consensus algorithm. And these technologies operate on P2P networks. In this paper, we have studied e-mail system based on the ethereum which is one of the block chain based technologies. Most legacy mail systems use SMTP and the POP3/IMAP protocol to send and receive e-mail, and e-mail use S/MIME to protect the e-mail. However, S/MIME is vulnerable to DDoS attacks because it is configured centrally. And it also does not provide non-repudiation of mail reception. To overcome these weaknesses, we proposed an e-mail system model based on ethereum. The proposed model is able to cope with DDoS attack and forgery prevention by using block chain based technology, and reliable recording and management among block chain participants are provided, so that it is possible to provide a non-repudiation function of e-mail transmission and reception.

정보거래자의 옵션 선택에 관한 연구: 한국의 지수옵션시장을 중심으로 (A Study on the Option Selection of Informed Traders: A Case of Korean Index Options)

  • 최병욱
    • 아태비즈니스연구
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    • 제14권2호
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    • pp.33-49
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    • 2023
  • Purpose - The purpose of this study is to examine the option selection and optimal trading of informed traders in KOSPI 200 options market based on the PIN (probability of informed trading) model of Easley et al.(2002). Design/methodology/approach - This study uses TAQ (trade and quote) data provided by Korean Exchanges (KRX) which contains all the bids and trades recorded during the continuous auction trading hours for the KOSPI 200 options between May 2019 and September 2020. Findings - First, there was no difference in the PIN between call and put options in the 2019 data, but the PIN of put options was slightly higher in 2020. Second, regardless of the type of option, the PIN was higher for in-the-money (ITM) options, and the PIN of out-of-the-money (OTM) options was the same as or slightly higher than that of at-the-money (ATM) options. Third, we found that the PIN decreases as trading liquidity increases, and fourth, the PIN increased sharply as the expiration date approached, especially for OTM options, while ITM and ATM options showed relatively weak effects. Fifth, for foreign and institutional investors, the periodicity of orders was observed in milliseconds, especially for foreign investors, where the periodicity of orders was clear and frequent in OTM options. The results suggest that the purpose of option trading varies depending on the moneyness from the perspective of the informed trader.

취업 기혼여성 본인이 인지한 취업의 가계 경제적 효과 (Working Married Women's Perception on the Effect of Work on Household Economy)

  • 심영
    • 가정과삶의질연구
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    • 제23권6호
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    • pp.53-65
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    • 2005
  • The purpose of this study was to investigate the working married women's perception on the effect of work on household economy. The household economy was examined in three aspects; income, assets, and consumption patterns, along with the contribution and the satisfaction of working married women with respect to their income by work Four hundred thirty working married women with the first child of less than middle school were surveyed, with questionnaires from March 25 to April 22 of 2005, and analyzed with descriptive statistics. The results were as follows: the reasons of working married women for work were making an affluent living, showing their ability, wanting for work, and making a living in order. The perceived degree of their income contribution to household income was on the average about $42.53\%$. They perceived the spending in time-saving consumption items, child-rearing consumption items, and personal consumption items to be decreased, if they were not working. Their work was helpful in saving, insurance and investment, debt payment, money for old life, money for housing, money for emergency. About $69\%$ of working married women perceived their income contribution to their household income as being high.

전북 지역 여대생의 에고노미 성향이 셀프 메이크업 및 외모관리 행동에 미치는 영향 (Effects of Egonomy Tendency on Their Self-makeup and Appearance Management Behavior of University Women in Jeonbuk Province)

  • 박효원;김용숙
    • 복식문화연구
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    • 제19권6호
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    • pp.1372-1384
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    • 2011
  • The purpose of this study was to identify egonomy tendency on their self-makeup and appearance management behavior of university women in Jeonbuk province. A self-administered questionnaire was used for data collection. Frequency analyses, reliability analyses, cross-tabulations and multiple regression analyses were used. Factors of university women's egonomy tendency were individuality, value, luxury good, style, design, appearance, and economic feasibility. University women were classified into the egonomy retarde group(G1), the value pursuing group(G2), the economic feasibility pursuing group(G3), and the highly egonomy pursuing group(G4). G1 were indifferent to their makeup methods and appearance management, had the least experience in buying recommended cosmetics or idea cosmetics. G2 invested time and efforts in makeup and managed their appearance with cosmetics or folk remedies, had less experience in buying artist brand cosmetics. G3 performed makeup frequently, were not much interested in appearances while showing the most frequent appearance management behaviors using cosmetics of folk remedies, and spent small amount of money to buy cosmetics. G4 showed high frequencies of all factors of self-makeup and appearance management behaviors, had the most experience in buying artist brand cosmetics and spent much amounts of money to buy cosmetics. Self-makeup behavior was affected by their tendencies to pursue individuality, values, appearance and appearance management behavior was affected by their tendencies to pursue luxury goods, appearance, and economic feasibility.

자금세탁방지를 위한 지식기반시스템의 구축 : 금융정보분석원 사례 (Development of the Knowledge-based Systems for Anti-money Laundering in the Korea Financial Intelligence Unit)

  • 신경식;김현정;김효신
    • 지능정보연구
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    • 제14권2호
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    • pp.179-192
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    • 2008
  • 본 논문은 금융기관을 이용한 자금세탁 및 불법적인 외화유출 방지를 목적으로 자금세탁 관련 혐의거래보고 등 금융정보를 수집하여 심사하는 금융정보분석원에 지식기반시스템을 도입한 사례연구이다. 한정된 심사인력으로 기하급수적으로 증가하는 협의거래보고에 효과적으로 대응하기 위하여 지식기반시스템의 도입은 필수적이라고 할 수 있다. 이렇게 구축된 지식기반시스템은 보고된 혐의거래를 여과(filtering)하여 자금세탁혐의가 인정된 정보만을 수사기관에 제공하는 심사 및 분석 업무의 효과성과 효율성을 극대화시킨다. 특히, 금융정보분석원은 여러 금융기관들로부터 보고된 혐의거래정보와 심사분석과정에서 유관기관으로부터 수집된 여러 종류의 정보가 집중되기 때문에 축적된 정보를 체계적으로 관리 및 활용할 수 있는 지식 베이스의 구축이 더욱 필요하다. 금융정보분석원은 많은 정보가 집중되는 만큼 축적된 데이터를 활용하여 자금세탁 관련 지식을 창출하는 업무를 수행해야만 하는 의무도 가지고 있기 때문이다. 이를 위하여 금융정보분석원의 심사분석시스템이 자금세탁방지를 위한 지식의 창출과 지식의 관리 측면까지 고려된 전체적인 프레임워크 하에서 지식기반시스템으로써의 토대를 마련하였다는 점에서 의의가 크다고 할 수 있다.

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간편송금 서비스 간소화에 따른 사용자의 불안감 해소방안 연구 (A Study on Ways to Relieve User's Anxiety Caused by Simplification of Easy Money Transfer Service)

  • 김소영;김승인
    • 디지털융복합연구
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    • 제20권1호
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    • pp.293-299
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    • 2022
  • 본 연구는 간편송금 서비스의 간소화에 따른 사용자의 불안감 해소방안에 관한 연구이다. 기술의 발전으로 금융 서비스는 점차 간소화되고 있지만, 오히려 사용자의 불안감은 증가하는 캐즘(chasm)이 발생한다. 연구 방법은 1차로 사용자의 기술 수용에 영향을 미치는 요인을 제시한 통합기술수용모형(UTAUT)의 요인을 기반으로 설문을 통해 서비스에 관한 인식과 기술 수용 의지를 알아보았다. 2차로 휴리스틱 방법론을 통해 도출한 송금 상황의 실시간 추적기능(tracking)을 제시한 후, 신뢰도와 이용 지속 의도에 관하여 심층 인터뷰하였다. 실험 결과 명확한 피드백의 제공은 서비스에 대한 사용자의 불안감 해소에 긍정적 영향을 주는 것으로 나타났다. 기술 수용의 캐즘과 관련해 디자인의 관점으로 접근한 연구가 활발히 이루어지길 기대한다.