Journal of Families and Better Life (가정과삶의질연구)

Korean Home Management Association (가정과삶의질학회)
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A Study on the Demographic, Economic and Psychological Characteristics of the Debtors in Individual Rehabilitation Procedures

개인회생 채무자의 경제적.심리적 특성에 관한 연구

  • Kim, Mi-Ra (Institute of Regional Development, Sunchon National Univ.) ;
  • Hwang, Duck-Soon (Dept. of Family Environment and Welfare, Chonnam National Univ.)
  • 김미라 (순천대학교 지역개발연구소) ;
  • 황덕순 (전남대학교 생활환경복지학과)
  • Published : 2008.10.31
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Abstract

There are few studies on the characteristics of debtors in individual rehabilitation procedures, though research in this field is needed. The scarcity of research means that public policy and perception are being made with inadequate information and, to a certain extent, based on personal prejudices and misconceptions. The purpose of this study was to find out demographic, economic and psychological characteristics of debtors in individual rehabilitation procedures. For this study, an in-depth interview was used. The major findings were as follows : The focus of this study is debtors in individual rehabilitation procedures. They were all under 40 and received relatively high educations. Interestingly, they showed a high tendency to use debt and an inability to manage their money. They had short time horizons and imperfect self-control in consumption and borrowing decisions. Monthly income, expenditures, asset and debt of the debtors, and monthly payment to creditors were reported. There were a lot of reasons for their bankruptcy : business failure, job loss, the cost of raising children, and expenditures for entertainment causing them to file for individual rehabilitation procedures. One of the major conclusions of this study was the discovery that their psychological characteristics were nearly the same. The implications of the study suggest that financial education and counseling must consider psychological characteristics.

Keywords

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