• 아태비즈니스연구
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• 제15권1호
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• pp.239-256
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• 2024

Purpose - The purpose of this study was to examine the main determinants of the gap between housing demand and house affordability. Design/methodology/approach - This study used the micro-level data of 60,043 households from Korea Housing-Finance Corporation by covering the period 2011 to 2022. Findings - First, the trend of general housing demand showed a higher figure in the future demand than in current demand. And such a tendency showed in all types of households, a relative young, low income, and single households. In the case of current housing demand, it has increased by 2022 from the beginning of 2013, while the future demand has rapidly increased from 2020. Second, although the house affordability showed a higher figure in current housing demand by 2019, its trend changed to be higher in future housing demand from 2020 by a rapid decreasing affordbility in current demand. In the case of young householders, the current house affordability was higher than that of future. The figure of low income householders was below 1 point in both periods, and house affordability of single householders showed a similar level in both periods. which showed over 1 point. Third, financial regulation on housing markets induced th widening of the gap between housing demand and house affordability, and such a trend is much atronger in the future(potential) gap of demand and affordability. More specifically, the strengthen financial regulation leaded to the widening of the gap in all types of households, a relative young, low income, and single households. Research implications or Originality - The effect of financial regulation is necessary to consider under the features of each households.

• 한국주거학회논문집
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• 제5권2호
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• pp.51-63
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• 1994

The purpose of this study are to examine the types and sources of information used for housing choices and to figure out the related factors. Data are collected through self-administered questionnaires designed for this study, and the sample consists of 396 households in Pusan and Ulsan. The purposes are accomplished through descriptive statistics and multiple regression analyses. Based on the results of analysis, housing information are divided into four specific types : economic. technical, housing unit, and neighborhood information. It is found that housing unit information including housing quality and economic information such as housing prices are identified as the most important ones for current and future housing choices. The most useful sources of housing information utilized for current housing are friends, relatives and neighbors. In addition, model house, real estate office, newspaper and adverizement are the another useful sources for housing information. Among them, the model house is the most helpful one for variety of housing information. Young households and those with a head whose occupation is professional/managerial tend to have higher recognition of the importance of housing information than do the other groups. The households currently living in small apartment and with a young eldest child are likely to have higher recognition of the importance of econimic information. Tenure type, the occupation of the household head, the age of the eldest child, and length of residence are the significant explanatory variables of the recognition of the importance of housing unit information.

• 한국주거학회논문집
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• 제22권4호
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• pp.33-41
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• 2011

The purpose of this study was to identify characteristics of space usage patterns by types of elderly households(single or couple). For the study, 74 elders who were older than 65 were selected and their living behaviors at their home during a day (24 hours) were analyzed. Respondents were classified into 6 types based on a combination of their household type, income level and health status. The results showed that the elderly residents tended to live a well-regulated life, however, each type had unique time and space use pattern. For example, the more the elder residents were healthy, the more they used many rooms. Frail elderly residents spent most of the day in their bedroom. Also, if they had a spouse, each one tended to use a separate private room for his or her daily life whether they shared a bedroom or not.

• 가족자원경영과 정책
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• 제26권3호
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• pp.1-17
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• 2022

본 연구는 1인가구내 집단별 이질성에 주목하여 중년층 1인가구의 사회적 배제가 어떠한 하위집단으로 유형화되는지를 잠재계층분석을 통해 파악하고 사회적 배제 유형에 작용하는 예측요인을 살펴봄으로써 사회적 배제를 극복할 수 있는 정책 방안을 마련하는데 그 목적이 있다. 이를 위해 제14차 한국복재패널 자료를 활용하여 총 361명의 중년1인가구를 대상으로 잠재계층분석 및 다항로지스틱 회귀분석을 실시하였다. 중년1인가구의 사회적 배제지표는 6차원 10개지표로 구성되어 측정되었다. 분석결과는 중년1인가구는 '비배제형'(29.6%), '건강제한형'(14.3%), '교류제한 및 중위험다중배제형'(12.0%), '소득·건강배제형'(14.1%), '고위험다중배제형'(30.0%) 등 5가지 유형으로 나타났다. 응답자의 70%이상이 사회적 배제를 경험하고 있고 대부분 배제유형이 다중배제 상태였다. 각 배제유형에 영향을 미치는 요인을 살펴본 결과 '주관적 건강수준'이 공통된 주요 예측요인이었고, 가족교류, 연령, 여가활동만족도 변인이 '고위험다중배제형'과 '교류제한 및 중위험다중배제형'의 유의한 예측요인으로 확인되었다. 연구결과를 바탕으로 중년1인가구의 사회적 배제 문제를 해결하기 위해서는 다차원적 개입전략이 필요하고 '건강'과 교류 강화를 위한 실천적 방안을 제안하였다.

• 한국실내디자인학회논문집
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• 제16권1호
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• pp.73-82
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• 2007

With the change of family type and diversify of life style, residents need various unit plan in quality. A rate of economically productive women has increased, and generally double-income households will continuously increase in the future. So a research is requested to consider the double-income households's satisfaction for a unit plan based on their life characteristics. The purpose of this study is to find out double-income households's lifestyles, and to search and analyze users' needs for spatial composition according to their lifestyles, and then, embody spatial composition of Apartment Unit plans. The findings are as follows. (1) Housing lifestyles of users living in apartment arc categorized into 5 types: pursuing the trend and personality, pursuing the convenience and leisure, pursuing being domestic, making a livelihood and practicality, the type of unspecification. (2) The type of pursing the trend and individuality requests new plan and a shower bath, the type of pursing the convenience and leisure requests facility with home appliances and likes traveling and sports, the type of making a hearth and home wants a talk with their family and discuss some problem, the type of making a livelihood and practicality requests storage space, the type of unspecification wants a comfortable master bedroom zone. Consequently factors of residental space plan are need for double-income households.

• 가정과삶의질연구
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• 제19권4호
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• pp.211-223
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• 2001

This study analyzed the financial ratio change of self-employed households between 1997 and 1998. The data were drawn from Korean Households Panel Study and utilitze7 descriptive statistics such as frequency, percentile to investigate the differences between two period of time, 1997 and 1998. The sampe size in 1997 was 692 householdsand and 600 households in 1998. The mean of financial asset showed that in 1997, self-employed households had much less in liquidity assets, especially in bank-related income, stock, but had more in real-estate, Gye, and private loan than those in 1998. In cases of debt-owned, the self-employed tended to have more debt in non-bank related and it illustrates that the self-employed may experience the difficulties to access the financial assistance in economic depression. Using guideline of each ratios, for six financial ratios, self-employed could meet less proper level$ in 1998 compared to those in 1997. It proves that the economic crisis affect the stability of income and financial assets of self-employed households and types of financial assets changes because of the stability.

• 한국주거학회논문집
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• 제13권4호
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• pp.1-10
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• 2002

The purpose of this study was to contribute to planning and developing various new apartment unit plans of the future through examining the differences on the spatial behavioral patterns and the post-occupancy evaluation between DK-front type and DK-rear type. 245 households which were included 79 DK-front types and 166 DK-rear types, were collected and analyzed at Masan and Gimhae cities in Kyungnam area. The result is as follows: 1) The analysis of the spatial behavioral patterns revealed that Anbang was the room for the couple independent from guests and children. Living room was the family's room for every activity, used more frequently DK-front types than DK-rear types. The family lift cycles of households, the visual unification between Living room and DK, the closed figures of DK in DK-front types have been influenced for the activities of Living room. 2) In the post-occupancy evaluation, DK-front types were positive in the lighting of DK area and its connection with Living room, while negative in the proximity from entrance to DK, cooking convenience, and the proximity between rooms. It was explained clearly through the reasons of the rejection of DK-front types from now.

• 소비문화연구
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• 제15권2호
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• pp.213-247
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• 2012

본 연구는 저소득층 가계의 소득구조, 자산구조 및 지출구조의 경제구조를 분석하고, 이를 토대로 저소득층 가계의 경제적 복지를 위한 정책을 제언하고자 하였다. 이를 위해 2009년도 한국복지패널조사(KOWEPS) 자료를 토대로 실증분석을 실시하였다. 실증분석 결과, 소득구조의 경우, 저소득층 가계는 근로소득, 사업·부업소득 및 재산소득 규모가 적었고, 이전소득 규모는 컸다. 한편 저소득층 가계는 사적이전소득 규모가 적었고, 공적이전소득 규모는 컸다. 저소득층 가계는 이전소득 비중이 가장 많았고, 공적이전소득 비중이 사적이전소득 비중보다 많았으며, 공적이전소득 중 정부보조금 비중이 가장 많았다. 극빈곤층 가계는 근로소득, 금융소득 및 사적이전소득 규모가 가장 작은 반면에, 공적이전소득 규모가 가장 컸고, 빈곤층 가계는 이전소득 규모가 가장 작았다. 극빈곤층, 빈곤층 및 차상위층 가계 모두 이전소득 비중이 가장 높았다. 자산구조의 경우, 모든 자산종류에서 저소득층 가계는 그 규모가 작았지만 특히, 금융자산 및 기타자산 규모가 작았다. 자산종류별 구성비는 저소득층 가계는 총부채 비중이 가장 높았고, 주택자산 비중은 높은 반면에 부동산자산, 기타자산 및 금융자산 비중은 낮았다. 모든 자산종류에서 극빈곤층 가계가 차상위층 가계에 비해 그 규모가 작았다. 세 가계집단 모두 주택자산 비중이 가장 높았지만, 그 중 극빈곤층 가계의 비중이 가장 높았다. 지출구조의 경우, 모든 지출비목에서 저소득층 가계는 그 규모가 작았다. 저소득층 가계는 식료품 비중이 가장 컸고, 그 다음으로 기타소비 비중이었다. 대부분의 지출비목에서 차상위층 가계보다 극빈곤층 가계의 지출 규모가 작았으나, 월세 규모는 극빈곤층 가계가 빈곤층 가계나 차상위층 가계보다 컸다. 세 가계집단 모두 식료품 비중이 가장 컸고, 그 다음이 기타소비였다. 한편 식료품, 월세 및 광열수도 비중은 극빈곤층 가계가 차상위층 가계보다 높았다.

• 한국지역사회생활과학회지
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• 제28권4호
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• pp.599-611
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• 2017

The purpose of this study is to investigate the effect of increased debt on the incidence of domestic violence over the two-year interval 2014-2016. To investigate Korean low-income households with economic hardships, we analyzed the 9th and the 11th waves of the Korea Welfare Panel Study, which is jointly sponsored by the Korea Institute for Health and Social Affairs and the Institute of Social welfare, Seoul National University. The study analysis was based on data from 2,786 households with less than 60% of median income. The main study findings are as follows. First, increases in economic hardships incur domestic violence for low-income households, while increases in low-interest debt decrease the incidence of the domestic violence when controlling for economic hardships. All other things being equal, economic hardship works as a stressor and low-interest debt works as an alleviator influencing domestic violence. Second, when low-income households are experiencing economic hardships, low-interest debt fails to work as an alleviator. Under this circumstance, high-interest debt actually acts as a stressor influencing domestic violence. Thus, we can speculate that use of debt under economic hardships will occur domestic violence for low-income households. This study differs from previous studies in that it examines the effect of increase in debt on the incidence of the domestic violence across different types of debt: low interest, high interest, and credit card. We can conclude that debt can function as a stressor or an alleviator for low-income households, depending on the interest rate and the households' financial situation.

• Journal of Preventive Medicine and Public Health
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• 제56권1호
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• pp.67-76
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• 2023

Objectives: Previous studies have reported that people with disabilities are more likely to be impoverished and affected by excessive medical costs than people without disabilities. Public transfer income (PTI) reduces financial strain in low-income households. This study examined the impact of PTI on catastrophic health expenditures (CHE), focusing on low-income households and households with Medical Aid beneficiaries that contained people with disabilities. Methods: We constructed a panel dataset by extracting data on registered households with disabilities from the Korea Welfare Panel Study 2012-2019. We then used a generalized estimating equation model to estimate the impacts of PTI on CHE. A subgroup analysis was carried out to assess the moderating effects of family income levels and health insurance types. Results: As PTI increased, the odds ratio (OR) of CHE in households that contained people with disabilities decreased significantly (OR, 0.92; 95% confidence interval [CI], 0.89 to 0.94; p<0.001). In particular, PTI effectively reduced the likelihood of CHE for low-income households (OR, 0.85; 95% CI, 0.81 to 0.89; p<0.001) and those who received medical benefits (OR, 0.78; 95% CI, 0.68 to 0.89; p<0.001). Conclusions: This study highlights the positive effect of PTI on decreasing CHE. Household income and the health insurance type were significant effect modifiers, but economic barriers seemed to persist among low-income households with non-Medical Aid beneficiaries. Federal policies or programs should consider increasing the total amount of PTI targeting low-income households with disabilities that are not covered by the Medical Aid program.