• 한국시스템다이내믹스연구
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• 제12권2호
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• pp.5-36
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• 2011

Seoul citizens are currently suffering from high housing price. Home prices have risen more rapidly than salaries so owning a housing unit (apartment, condominium, or single-family home) in Seoul is becoming more difficult than ever. Therefore, this research examines the behavior of average Seoul citizen in owning housing unit in Seoul, Korea, particularly in terms of the length of time required to afford a house unit. This research estimates that it will take about 18.75 years in maximum after getting a job (12.75 years after purchasing the housing unit) to own housing unit in Seoul that is currently valued at $300,000 where the growth rate of income is 2.97% and consumption price increases at a rate of 2.95% per annum. Finally in this research, the optimal growth rate of housing price is estimated ranged from 3.5 to 4.0% minimizing the loan payoff period.

• 경영과학
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• 제32권3호
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• pp.13-28
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• 2015

Using the most recent dataset of Korea and U.S. household finance, this study analyzed demand and adequacy of private pensions for pre-retirees. For this purpose, 2013 Korean Retirement and Income Study (KReIS) of national pension research institute in Korea and 2013 SCF (Survey of Consumer Finances) of FRB in U.S. were used. For comprehensive comparisons of the two countries, this study classified the private pension into sub-categories such as personal pension, corporate pension, and retirement benefits, and used three different criteria including ownership, accumulated present value of each pension, and income replacement ratio of each pension. After controlling for other factors, educational level of householder and household income were critical determinants of size and adequacy of private pension in both countries. Different from Korean households, householders' gender, marital status, and health status had an important effect on the private pension size and adequacy in the U.S. In addition, home ownership significantly increased only private pension adequacy in Korea, and also increased ownership rate, size, and adequacy of private pension in the U.S. Results of this study provide useful implications for future pension system and policy in Korea.

• 대한가정학회지
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• 제38권7호
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• pp.13-26
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• 2000

The purpose of this study were to identify the financial status of the home based business, and to analyze the factors effected on it. The sample consisted of 713 self-employed from data of 1998 Korea Household Panel Study, and analyzed into Frequencies, Percentile, t-test, $\varkappa$$^2$-test, and Regression Analysis. The findings showed that the household income and expenditure level of female self-employed was higher than those of male self-employed. In case of financial status of business, male self-employed's net profit was higher than female's and the net profit to total sales ratio of male self-employed was greater than female's. The factors contributing to total expenditure to total income ratio were sex, educational level, future economic expectancy, residence and home ownership of self-employed, while the factor effect on total asset to total debt ratio was only total household income. The Variables of sex, educational level of self- employed, job type of home based business and the number of employees in home based business were associated with net profit to total sales ratio, age and educational level of serif-employed, and job type of home based business was related to total sales to the number of emploees ratio(labor productivity).

• 가정과삶의질연구
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• 제16권3호
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• pp.95-110
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• 1998

The purpose of this study was to analyze contributing factors to the perception of elderly's residential problems and satisfaction. The sample in this study consisted of 556 elderly husband and wives over 55 years old living in Seoul Daejeon Jeonju and Daegu. Statistics employed for the analysis were frequencies means one-way anova and umltiple regression analysis. The results could be summarized as follows. Deficiency of privacy was the worst status and then noise and air-pollution and the level of facilties in residential space. And the perception of residential problems could be affected by age health the type of family the number of family the ownership of house the type of house location and the economic status The significant variable positively related to the residential satisfaction were the healthy conditon of eldely ownership of house living in multihousing the perception of privacy and high level of facilities in the house.

• 가정과삶의질연구
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• 제22권3호
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• pp.11-21
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• 2004

This study examined factors associated with the ownership of stock investments and the amount of stock investments of households using the 2001 National Survey of Family Income and Expenditure by National Statistical Office. Households with large amounts of income, savings, and liabilities were more likely to invest in stocks and have large amounts of stock investments. Also, households with young and male householders, highly educated householders, a number of children in school, and housing ownership were more likely to invest in stocks and have large amounts of stock investments. On the other hand, self employed households and dual income households were less likely to invest in stocks and have small amounts of stock investments.

• International Journal of Human Ecology
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• 제5권1호
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• pp.9-21
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• 2004

This study attempted to identify the factors related to life insurance focusing on two different types of life insurance： term life insurance and cash-value life insurance. Based on the human capital, bequest motives theories, and decision under risk, a conceptual framework was developed. The results showed a support for the conceptual framework indicating that human capital, bequest motives as well as attitude toward risk were important factors in predicting each of life insurance ownership. In addition, the factors related to each type of life insurance were different. For term life insurance, the variables representing households' bequest motives were found to play an important role while the variables reflecting human capital theory had significant impact on cash-value life insurance holding.

• 성인간호학회지
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• 제18권3호
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• pp.488-499
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• 2006

Purpose: Behavioral symptoms in dementia (BSD) are one of the most disturbing behaviors to caregivers and a major reason for nursing home placement. Behavioral symptoms are often treated with psychotropic drugs (PD), however, the effect of such drugs for the frail elderly dementia patient is not certain because of their critical adverse effects. Theoretical model applicable to nursing practice for BSD in nursing homes, which is essential in guiding and evaluating such interventions, is absent. This article presents the process of developing a theoretical model of BSD in nursing homes. Method: Using Walker and Avants' theory synthesis method, three behavior models and two system models were incorporated into the proposed model to provide the theoretical and analytical explanation of the relationships between PD usage, its determinants, and BSD. Results: Resident variables and nursing home variables related to the two focal concepts (i.e., PD usage and BSD) were identified. Resident variables include demographical characteristics such as age and gender, and dementia-compromised functions such as cognitive and functional impairment. Nursing home variables include facility characteristics such as ownership type and size, and physical and psychosocial environment. Conclusion: The proposed model suggests that fulfillment of resident unmet needs through improvement of physical and psychosocial environment may produce better health outcomes of nursing home residents with BSD. Assessment and intervening environmental triggers of such behaviors are also suggested to be prior to the PD usage.

• Human Ecology Research
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• 제61권1호
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• pp.91-102
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• 2023

The purpose of this study was to develop a housing choice behavior program to cultivate housing value orientation among middle-school students. The importance of cultivating housing value orientation in middle school was examined by investigating the relationship between housing value orientation and housing choice behavior, following which a program was developed to cultivate housing value orientation based on various housing values. Housing choice behavior was defined as selecting the ownership type, housing type, housing size, and neighborhood environment of housing, and the program was developed in 12 sessions to understand housing values and cultivate housing value orientation through learning housing choice behavior. The features of this program were as follows. First, although housing choice behavior is not covered in middle-school home economics, the 2015 revised national curriculum and current middle-school textbooks were analyzed and developed in consideration of the level available in schools. Second, it was possible to develop a housing value orientation that encompasses various housing values, including activities used to consider such values as the basis for housing choice behavior by each sessions. Third, the program was meaningful in that it developed practical problem-solving and living independence skills through learning activities, including available sites, experience cases, and housing welfare that cannot be experienced directly or indirectly.

• 가정과삶의질연구
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• 제33권1호
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• pp.19-39
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• 2015

The purpose of the study was to examine the characteristics and economic status of deficit households. The data for this study were from The Household Income and Expenditure Survey in 2000, 2005, and 2010 conducted by the National Statistics Office (NSO). Deficit households were defined by those who had expenditures higher than their income. Among total households, the proportion of deficit households was 26.84% in 2000, 28.14% in 2005, and 27.15% in 2010. The average propensity to consume was 132.1 in 2005, which was higher than those in 2000 and 2010. Deficit households were classified into five types using cluster analysis: 1)overall-overconsumption group(33.07%), 2)basic needs group(26.33%), 3)transportation expenditure-dominated group(6.73%), 4)education expenditure-dominated group(27.63%), 5)health care expenditure-dominated group(6.24%). The overall-overconsumption group was the largest group of total households and the portion of this group among total households decreased by 4.97%p from 2005 to 2010. However, the education expenditure-dominated group increased by approximately 7.6%p over the period. It was also found that households in 2000 and 2010 were more likely to be in all five groups than households in 2005. Other major determinants of households with deficit were gender, age, number of family members, education level, dual income, home ownership, vehicle ownership, and income class.

• Human Ecology Research
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• 제56권6호
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• pp.573-588
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• 2018

This study analyzed per capita consumption expenditure by the consumption quintile of Middle and Older Elderly Households and the variables that affected it. Sample of 2,983 households was collected from the 6th KLoSA in 2016. First, when comparing the HH's living expenses by the number of family members, two persons to a person ratio, more than six persons to a person ratio were 2.007 and 4.148, respectively. The ratio increased as the number of family member increased; however, the rate of ratio increase decreased. Second, the per capita living expenses for the first and fifth quintile were 5.11 million won and 16.93 million won at the per capita living expenses that applied the OECD's equivalence scale to the HH's living expenses. The per capita living expenses for the fifth quintile was 3.31 times higher than in the first quintile. Third, among the variables influencing per capita living expenses by the consumption quintile, the marital status was the significant for all consumption quintiles; however, HH's income, HH's total asset, HH's financial asset, pension, subjective perception of the economy class, home ownership, residence (metropolitan or small city), education (elementary school), participation groups were significant in some quintiles among all quintiles. Fourth, of the significant variables influencing per capita living expenses, the most influential variables were first quintile followed by second quintile, third quintile, fourth quintile, marital status, HH's income, home ownership, HH's total asset, participation groups, residence (metropolitan), subjective perception of the economy class, in order.