• International Journal of Human Ecology
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• v.9 no.2
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• pp.117-126
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• 2008

The study identifies gender stereotypes, examines the level of women's economic empowerment at the household level and explores the influence of factors on it. Data were collected from 159 randomly selected farm women using both qualitative and quantitative survey methods between January and March 2007 from three villages of the Mymensingh District of Bangladesh. Four key informants (2 local leaders and 2 development personnel) were questioned to elicit views in the light of boosting women's empowerment. Five constructs of empowerment covering 30 indicators were aggregated together to develop a cumulative economic empowerment index (CEEI) to obtain multidimensional views of women's empowerment. The findings show that there were some prejudices against women in allocating divisions of labour and access to education, food, property, decision-making and institutions. The distribution of the CEEI demonstrates that the majority of the respondents (86%) had a low to moderate level of empowerment. A multiple regression analysis showed positive significant effects of education, training, media contact and freedom of mobility on women's CEEI, while domestic abuse restrained it. It is concluded that interventions by development agencies in co-ordination with the local community was necessary to attain women's self-reliance in the study area. Development actors can undertake some core strategies to enhance women's level of awarencess, knowledge, skills, and productive resources through providing training, loans, and information. To change traditional beliefs, it is important to create awareness of various gender issues amongst rural people through different methods and media.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.21 no.6
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• pp.91-102
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• 2020

This study constructed production frontiers of inputs and outputs in a sequential manner, measured inefficiencies by applying a non-radial sequential weighted Russell directional distance function to these frontiers, and analyzed Luenberg productivity indices and the contribution of each of input and output factor based on these distances. The results are as follows. First, the productivity of banks increased due to technical changes after the global financial crisis. Second, productivity growth decreased between 2009 and 2014 due to technical changes after the recession, as previous studies have shown that technology progressed before the global financial crisis but then largely decreased or remained the same thereafter. After 2014, the productivity of banks improved. This result may be due to both technology improvement after 10 years of stagnation and reduction of inputs and non-performing loans. Third, the 3.6% annual of productivity growth for 10 years was comprised of 1.77% household loans, 0.67% corporate loans, 0.98% manpower, 1.18% non-performing loans, -0.5% total deposits, and -1.25% securities. Finally, this study has limitations since it could not control risks such as capital structure and interest volatility.

• KDI Journal of Economic Policy
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• v.32 no.4
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• pp.1-34
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• 2010

We conduct a comprehensive risk analysis of household debt in Korea for the first time using the whole sample credit bureau (CB) data of 2.2 million individual debtors. After analysing debt service capacity profiles of debtor groups classified by the borrower characteristics such as income, age, occupation, credit scoring, and the type of creditor business companies, we investigate the impact of interest rate and income changes on debt service-to-income ratios (DTIs) and default rates of respective debtor groups. Empirical results indicate that debt service burdens are relatively high for low income wage earners, high income self-employed, low income capital and card loan holders, and high income mutual savings loan holders. We also find that debtors from multiple financial companies are particularly weak in their debt service capacity. The scenario analysis indicates that financial companies, with the current level of capital buffers, may be able to absorb negative consequences arising from the increase in DTIs and loan default rates if the interest rate and income changes remain modest. However, the negative consequences may fall disproportionately on non-bank financial companies such as capital, credit card, and mutual savings banks, whose debtors' DTIs are already high. We also find that the refinancing risk of household debt is relatively high in Korea as more than half of household mortgage debts are bullet loans. As the DTIs of mortgage loan holders are already high, under the current DTI regulation, mortgage loans may not be readily refinanced especially when the interest rate rises. Disruptions in mortgage loan refinancing may put downward pressure on housing prices, which may in turn magnify refinancing risk under the current loan-to-value (LTV) regulation. Overall our analysis suggests that, for more effective monitoring of household debt risk, it is necessary to combine existing surveillance schemes based on macro aggregate indicators with more comprehensive and detailed risk analyses based on micro individual data.

• Journal of the Korean Home Economics Association
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• v.35 no.2
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• pp.95-110
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• 1997

The purpose of this study were 1) to identity housing fund by the type of housing mobility and 2) to analyze the variable contributing to housing fund by the type of housing mobility. For these purposes, the 1993 KHPSD data was used and the sample in this study consisted of 2,796 couple households. Statistics employed for the analysis were frequencies, means, univariate analysis and multiple regression analysis. As the results, the composition and the amount of housing fund according to the type of housing mobility, were different respectively. Housing fund was consisted of previous housing sales price, savings deposits, loans, inheritance, subsidy, and personal debts. Households who already own houses used housing finance for their housing fund easily while renters were at a disadvantage to use housing finance. Moreover, among the contributing factors, home ownership, number of family member, residence, average monthly income, average monthly expenditure, husband's education attainment, satisfaction with housing, husband's job, and the type fo housing were positively associated with the amounts of housing funds. However, duration fo residence tended to negatively related to the amounts of housing funds.

• Journal of Cadastre & Land InformatiX
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• v.51 no.2
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• pp.151-168
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• 2021

This study compared and analyzed the effect of the burden of household expenditure in the metropolitan and non-metropolitan areas on the intention to childbirth intention to married women using a panel logit model. To this end, this analysis targeted married women aged 25 to 39 who are highly likely to be fertile. The main results are as follows; First of all, it was confirmed that the economic power of spouse can be an important factor in the childbirth intention regardless of region. Second, it was found that the higher the satisfaction of marriage had a positive effect on the childbirth intention, and also higher the value that children must have, the higher the childbirth intention. Third, it was confirmed that the burden of household expenditure is the most important factor in the willingness to childbirth intention, excluding factors such as the number of existing children. In particular, the burden on education spending in both the capital region and non-capital region was found to be a key reason for the decrease in the childbirth intention. Lastly, the burden of household expenditure showed different effects on childbirth intention on depending on the region. Specifically, in the capital region, medical spending and loans had a greater impact, while, in the non-capital region, transportation and communication costs had a greater impact on childbirth intentions. Through the results, this study confirmed the implication that easing the burden on household expenditure is continuously necessary to enhance childbirth, and that discriminatory policy approaches are required depending on the area of residence.

• Journal of the Economic Geographical Society of Korea
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• v.15 no.4
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• pp.534-549
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• 2012

This study analyzed the effects of housing wealth on the balance accounts of elderly households with an age of over 60 facing the asset decumulation period, capitalizing upon an ordered logit model for the 2011 household finance survey data. Out of some variables representing personal and social characteristics, the age and waged worker variables had a positive effect, but the number of household, low education level, living in the apartment and capital region variables negatively affected the balance accounts of elderly households. Some variables reflecting economic wealth and financial strategies such as the attitude of risk-taking, ordinary income and the ratio of financial assets had a positive impact, but other variables such as DSR did a negative one on the balance accounts of the elderly households. The ownership of housing wealth variable positively, but the ratio of housing assets variable negatively affected the balance accounts of the elderly households, which could be derived from the duality of housing as both consumption goods and assets. However, the ownership of other real estates and the ratio of them in the total assets variables had a negative impact on the balance accounts of the elderly households. Furthermore, since the financial asset-debt ratio worsened the balance accounts of the elderly households with both housing and other real estates, it is implied that the purchase of real estates with excessive bank loans could make them dangerous.

• Journal of Preventive Medicine and Public Health
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• v.49 no.4
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• pp.240-248
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• 2016

Objectives: Human immunodeficiency virus (HIV)/acquired immunodeficiency syndrome (AIDS) adversely impacts food security in households of people living with HIV/AIDS (PLWHA). Little research has focused on food insecurity among PLWHA in India. The purpose of this study was to identify the prevalence of and factors relating to food security in households of PLWHA in the Siliguri subdivision of Darjeeling, West Bengal, India. Methods: A cross-sectional community-based study was carried out among 173 PLWHA residing in Siliguri and registered at the Anti-retroviral Therapy Centre of North Bengal Medical College & Hospital. Data was collected at the household level with interviews of PLWHA using a food security survey instrument. We analyzed the associations using logistic regression. Results: The prevalence of household food security among the participants was 50.9% (88/173). Five years or more of schooling, higher socioeconomic class and males were found to be significantly associated with a higher likelihood of food security. A later stage of the disease and the presence of other family members with HIV/AIDS were significantly associated with a lower likelihood of food security. The major coping strategies to deal with food insecurity in the acute phase HIV infection included borrowing money (56.1%), followed by spousal support, loans from microfinance institutions, banks, or money lenders, borrowing food, or selling agricultural products. Conclusions: The present study revealed that only about half of households with PLWHA were food secure. Prior interventions relating to periods of food and economic crisis as well as strategies for sustaining food security and economic status are needed in this area.

• Korean Journal of Construction Engineering and Management
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• v.13 no.2
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• pp.128-136
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• 2012

In this study, we investigated the macroeconomic variables that affect housing prices thus creating a large impact on people's lives as well as the real estate market. For the study, the macroeconomic variables able to influence the House Rental Price (housing price by lease or deposit) were used for an analysis as follows: housing sales price index, household loans rate, total household savings, the number of employees and a multiple regression analysis was performed using a time series for each macroeconomic variable. As a result of the analysis, the House Rental Price was affected by all of four macroeconomic variables. The House Rental Price increased as each variable enlarged. In conclusion, this study may be useful for finding a solution for stabilizing the House Rental Price as well as for the establishment of efficient and sustainable policies for the housing market.

• Korean Journal of Human Ecology
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• v.21 no.2
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• pp.225-240
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• 2012

The purpose of this study was to investigate the determinants of households with risky debt loads. The study used financial ratios to determine which households were over-indebted. The 3 ratios used were Debt to Asset ratio, Debt to Financial asset ratio, and Debt Service ratio. Data for this study was the 2011 Survey of Household Finance. Households that demonstrated total debts of 70% or more when compared to total assets were 8.8%. Households that demonstrated a debt load totaling 5 or more times their total financial assets were 19%. Households with monthly repayment obligations of 40% or more of disposable income were 20%. Households that fulfilled all 3 financial ratio criteria were 1.5% of total indebted households. Over-indebted households demonstrated severe economic condition in terms of debt, but not all over-indebted households were categorized as being in economically vulnerable group. The major determinants of households with risky debts were income, asset, purpose of loans, and spending behavior of the households.

• KDI Journal of Economic Policy
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• v.25 no.1
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• pp.3-54
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• 2003

This paper studies the effects of the special surcharge on deposits, proposed as a plan to finance the costs of restructuring Korean corporate and financial sectors. Specifically, the study analyzes the change in the autonomous behavior of economic agents in terms of cost transfer and substitution effects. Given the result that the growth rate of deposits does not respond to the change of interest rates so much as that of loans, financial institutions have more incentive to transfer the costs incurred by the special surcharge to depositors. This paper also reports that the portfolio of households show a noteworthy feature that insured deposits have a relatively small portion in terms of total assets for high-asset class households, whereas most assets for low-asset class households are subject to the special surcharge.