• 대한가정학회지
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• 제34권2호
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• pp.201-215
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• 1996

The purpose of the study was to examine the effects of household characteristics to family savings. Family savings were defined in four ways such as monthly savings, average propensity to save, financial assets, and net financial assets. The household characteristics dealt with were family income, household size, number of earners, age, occupation, education, housing tenure, and urbanization. The data used in the study was Survey of Family Finance 1990. The main statistical method was multiple regression. Family income was found to the most important variable to determine four family saving variables holding other characteristics constant. Also, household size had significant negative effects on family savings. Two-earner households were found to have higher average propensity to save and less financial assets compared to single-earner households. Fro monthly savings and average propensity to save, the households with forties andfifties household head tended to be less than others, while financial assets tended to increase with the age of household head. Compared to salary earner households, blue-colored households had significantly lower average propensity to save, and the households with professionals had significantly higher financial assets. The college-graduated households tended to have less monthly savings than the elementary-graduated households. Also, the housing renters were found to have more monthly savings and higher average propensity to save, compared to the housing owners.

• 대한가정학회지
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• 제39권9호
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• pp.49-61
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• 2001

The purpose of this study was to examine the usefulness of financial ratios as comparison analysis of households financial status. Two household types were discussed such as earner and self-employed. Financial ratios were developed for 2739 households for earners and 2147 households for self-employed using. Korean Household Panel Study from Daewoo Economic Research Center. Descriptive Statistics were used to analyze the financial ratios and seven different finantial ratios were utilized to compare the fiancial status of two different households type. Easers have more average income and net-assets than self-employed. However, using financial ratios, it was found that self-employed households were more stable than easer. The resets shows that the financial ratio analysis gives better tool to estimate households'financial status. Implications for financial educators, counselors, and planners are offered.

• 가족자원경영과 정책
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• 제9권1호
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• pp.113-130
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• 2005

The purpose of this study was to show the expected age of retirement of the couple, husband and wife, individually, the difference between the expected age of retirement of the husband and that of the wife, and to analyze contributing variables. The sample in this study numbered 517, of which 229 were husbands and 288 were wives. The independent variables were divided into three factors including personal, financial, and work related variables. The results of this study were as follows. Among two earner households, both husbands and wives expected the husband's age of retirement to be higher than of the wife. The difference between the husband's expected age of retirement and the wife's expected age of retirement was five years, on average. For the husband, personal, financial, and work related variables had effects on his expected age of retirement. However, for the wife it was only the perception of future work life and expected age of retirement of the partner which had very significant effects statistically. The variables affecting the difference between the expected age of retirement of the husband and that of the wife included the personal variables as well as interaction of the couple related variables. The results showed that first of all, the planning of retirement among two earner households needs to be focused on the couple rather than on the individual.

• 대한가정학회지
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• 제34권5호
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• pp.209-222
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• 1996

The purpose of this study is to apply ratio analysis, which indicates the rate of income to total expenditure, to examine wage-earners' overspending in Korea. We use the Family Income and Expenditure Survey produced by National Statistical Office Republic of Korea and total sample size is 40,691 including households complete income reported. Through the t-test, among 17 expenditure categories, overspenders is likely to spend more on housing, apparel, medical, education, and leisure expenditures more than non-overspenders significantly. Interestingly, overspenders have more income, but less financial assets than non-overspenders. To analyze the effect of socio-demographic variables on overspending, ordinary least square is utilized. The results shows that the more educated, larger family size, and older consumer tend to overspend. The results of study are leaded into two aspects. First, overspending can be solved by consumer education with efficient financial management practice. Second, overspending may be not solved unless policies in various ways enhance the overall quality of living to lessen each household's budget constraints.

• 한국사회복지학
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• 제61권2호
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• pp.33-60
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• 2009

본 연구는 대한주택공사(KNHC)의 국민임대주택 거주자들의 퇴거 이후 주거이동 유형이 상향이동되었는가 혹은 수평 하향이동되었는가를 비교분석하여 국민임대 주택이 무주택 저소득 가구의 주거 상향이동에 실제로 기여를 하고 있는가 살펴보았다. 연구대상은 충북 청주시 국민임대주택 입주 후 2년이 경과한 세 단지의 2007년 1년간 퇴거자 333명을 대상으로 하여 전화설문조사를 실시하였고, 분석방법은 "주거면적"과 "주거비용"에 따른 주거이동 유형(하향이동, 수평이동, 상향이동)을 종속변수로 하고 개인 및 가족환경과 경제적 환경을 독립변수로 하여 빈도분석, 교차분석, 다중회귀분석을 활용하였다. 분석결과 입주 전과 거주 당시보다 "주거비용"에 있어서 상향이동 된 가구의 비율은 76.4%, 수평이동 1.6%, 하향이동 22%로 나타났고, "주거면적"에 있어서는 상향이동 61.8%, 수평이동 16.5%, 하향이동 19.7%로 나타났다. 주거상향이동에 영향을 주는 변수로는 가구 내 소득자의 수, 직업, 학력으로 나타났고, 소득과 연령, 부양가족 여부는 영향이 미미한 것으로 나타났다. 이상의 결과를 바탕으로 효과적인 국민임대주택의 공급을 위해 첫째, 주거이동 유형에 따라 나타나는 다양한 가구 특성을 반영해야 하며 둘째, 주거 상향이동을 위한 연속적인 주거정책 프로그램을 위한 국민임대주택단지의 자족기능 강화를 제언하였다.

• 가족자원경영과 정책
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• 제17권2호
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• pp.147-172
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• 2013

The purpose of this study was to examine the relative influences of variables that affect baby boomers' perceptions and preparations for later life planning. An age-group comparison was made to examine differences in later life planning within baby boomers. 814 respondents were selected from The National Survey of Korean Families undertaken by the Ministry of Equality and Family in 2010. They were devided into two groups according to the year of their birth, the former baby boomers was 397 respondents who was born from 1955 to 1959, and the latter baby boomers was 417 respondents who was born from 1960 to 1963. The major results of this study were as follows: First, the former baby boomers was less likely to prepare for later life, while was more likely to be aware of their later life planning than the latter baby boomers. Second, educational attainment and the number of children affected the level of perceptions and preparations for later life planning of the former baby boomers, whereas sex and region affected those of the latter baby boomers. Third, household income and subjective awareness of economic status were the major determinants of the preparation level for later life by both the former and the latter baby boomers. Fourth, former baby boomers who had greater awareness of the need to support their parents and their children were more likely to prepare for later life. Fifth, baby boomers' subjective awareness of their economic status chiefly explained the gap between their level of perceptions and their preparation for later life, with the former baby boomers with more children and single-earner households more likely to show a gap between their level of needs and their preparation for later life.