• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.1147-1154
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• 2021

The study aimed to investigate the impact of the microfinance program on loan borrowers' asset accumulation. In doing this, the study used descriptive and statistical methods to achieve the objectives. Primary data were collected from 192 respondents from Bangladesh using survey questionnaires. The data were analyzed using the multiple linear regression model. The result revealed that the majority of the borrowers said their assets such as farm, land, and livestock remained the same, which implies that microfinance borrowers still lag behind accumulating household assets. However, in the case of housing conditions and household appliances, there was a marginal increase. The regression result provides evidence that, among other factors, the amount of loan received from microfinance institutions and time duration with them is the most significant role-playing factor for borrower's sustainable well-being. The age and education level of borrowers are identified as positively related to asset accumulations, but not substantially so. Moreover, training provided by microfinance institutions is not effective and influential for microfinance borrowers' wealth accumulation, which is evidenced by the findings. This study's insights are worthwhile for any microfinance institution's decision-makers, development partners, and government to stress the shortcomings and accelerate the borrower's wealth status.

• 한국주거학회논문집
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• 제12권2호
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• pp.65-76
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• 2001

The study background is that Mo-Jung happens as the produce of the agricultural society but it is not easy to find it beside Ho-nam area. Because of this, it results construction has. The study progress is to understand the happening time, and regional cause the Mo-Jung construction has. The study progress is to understand the happening time of Mo-Jung, constructional meaning, and the meaning of Mo-Jung with the investigation method of literature consideration of the village society, data of the existing study, survey investigation, interview, and question through the process of analyzing the characteristics of differentiation of the village and Dure organization. 1. Mo-Jung construction has the meaning of vernacular construction reflecting the meaning of village community intensively as an element comprising the village, and the territory of Mo-Jung space is revealed as the male space. 2. The economic wealth of the village community and the image reflecting the community sense are stood out. 3. It is the reason why Mo-Jung construction is limited to Ho-nam area and is explained as the life style difference each village community has, the regional characteristic difference Dae-dong play of Yong.Ho-nam areas have, etc. so to speak. 4. It is estimated that the happening time of Mo-Jung is after the 18th century when the agricultural As my suggestion, Mo-Jung construction is the construction phenomenon reflecting the phenomenon of social change directly and it is to suggest the possibility of approaching the regional housing construction as the life style difference the life community of each area has is reflected. production quantity was increased and Dure organization was activated.

• 농촌계획
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• 제20권1호
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• pp.1-12
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• 2014

Living environments in rural area have become deteriorated rapidly. Increase of aging population, decline in agricultural income, polarization of wealth in rural community due to rural returners have caused severe decline and imbalance of living environments in rural area. Responding to this circumstances, governments currently develop projects for improving living environments focusing on individual housing which were excluded from governmental supports because those had been regarded as private property. Nevertheless, there are still some gaps and problems in evaluating the quality of living environment and suggesting effective solutions. It would be because standards and guidelines of the projects have been based on urban housing system. In order to support the implementation of the projects, this research has developed an index for evaluating and monitoring the quality of living environments in rural area. By applying Delphi method, the index has been created in four categories of 'security', 'convenience', 'comfortability', and 'durability' 'Security' consists of structural safety, crime, disaster, accident prevention. 'Convenience' includes three divisions of living, traffic, farm working. 'Comfortability' is divided into sanitation, indoor environments, and aesthetic appreciation. Lastly, 'durability' has four divisions of energy conservation, environmental friendliness, efficiency, and economics. Each sub-division also has different items from three to twelves. In the case of an index for performance evaluation, items have been derived from energy conservation(6-items), and environmental friendliness(7-items). Items developed as an index for evaluating rural living environments in this research might be good background information for remodeling project in rural housing development.

• 한국주거학회논문집
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• 제26권1호
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• pp.99-107
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• 2015

The purpose of this study is to present an appropriate approach to urban regeneration by analyzing Gwangju Metropolitan City. For the study, residential area of Asia Culture Complex was analyzed based on GIS. The areas concerned were categorized and looked into by their Situation based on the analysis of urban infrastructure state. However, as the architectural space within a city are limited, and accurate assessment of them is needed. The residential areas have the following characteristics. They become an aging and dilapidating residential and socially underprivileged-concentrated area. It is necessary to set up a direction for a future-oriented planning for the development of these areas. Along with a decreasing population, it is important to improve the urban architecture environment for the elderly in an aging society. The economic growth of a city if necessary for the future. Therefore, the criteria for the assessment is required. And the subsequent setting-up and planning of a future direction for a city is badly needed. After that, an accurate assessment of a city called for. City space allows for various interpretations. As the rich are getting richer and the poor are getting poorer, a wealth is concentrated on one district or an area.

• 한국주거학회:학술대회논문집
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• 한국주거학회 2008년 추계학술발표대회 논문집
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• pp.327-331
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• 2008

In Korea, welfare needs brought on by the rapidly growing of elderly population. Also, the senior group with spare time, wealth and health is increasing. Currently, the people have known about needs welfare system for improving quality of life during senescence personally and socially. In addition to the senior friendly industry, having distinction with simple approach medical services, will be great expanding after 2010. And there will be a new welfare services plan supporting long term care insurance for senior citizens. But we don't have prepared systematically organized senior friendly industry and products yet. So, the purpose of the study is to analyze systematically the classification characteristics of the senior friendly products according to the difficulty of daily living for senior citizens. Above all, the study finds out the senior friendly products characteristics according to the consumer's various situations about health and housing space. Therefore the result of the study reveals that the simulation guidelines for choosing the products depend on the customer's needs are essential and useful to improve senior friendly industry. And the post evaluation data of senior friendly products would be put to practical use in the industry.

• 한국환경과학회지
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• 제14권5호
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• pp.473-480
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• 2005

The cost of the construction and management of new apartment buildings was evaluated using a monetary analysis and an emergy concept to provide a new perspective regarding the housing policy of Korea. The systems of analyses were typical apartment buildings with an area of $76.03m^2$ per household in Korea built on the same size of land area. Three apartment buildings with different stories were evaluated and compared; 5-story, 15-story, and 20-story apartment buildings. The durable years of those apartments were assumed to be 40 years. The total cost of the construction and management of an apartment building was divided into three categories of construction, land purchase, and management. A 20-story apartment showed the highest cost and a 15-story apartment the lowest in the monetary cost analysis. In contrast, the emergy evaluation revealed a different pattern in the cost of construction and management, the cost increasing from a 5-story apartment to a 20-story one. This means that the higher the apartment constructed, the greater the cost in terms of real wealth. This result suggests that new evaluation methodologies like the emergy analysis should be used together with the monetary analysis to provide better insights on the national housing policy.

• 한국건축시공학회:학술대회논문집
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• 한국건축시공학회 2017년도 춘계 학술논문 발표대회
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• pp.268-269
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• 2017

Apartment building, which has been accompanied by economic growth in Korea, is a home of life and has the value overlapping as housing and assets. The improvement of consumer's eye level and development of related technology and related service development have positive function that enriches society and creates economic wealth. On the other hand, the clash and conflict between stakeholders increase social unrest and waste our competitiveness by economic loss. The term of warranty liability of apartment building is an important issue of defect lawsuits and is only a few quantitative standards. However, in this study, we examined the revision history of the law and ordinances for the reinforced concrete construction. As a result, establishing and revising the relevant standard, there is no definite basis system to support it. To improve this, the efforts to provide the standard for term of warranty liability and quantitative and objective basis to support it should be accompanied continuously.

• 한국실내디자인학회논문집
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• 제25호
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• pp.68-76
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• 2000

The application of Residents Participation Designing Method is to provide the resident with a chance of either participating in the planning process of the house or selecting other possible options. The multi-household apartments have so far been grown in quantity by means of mass production and hence have contributed in elevating its supply. However, this manner of supplying has a tendency of ignoring much of the individuals concern regarding space planning And has therefore repeatedly standardized and stereotyped ground planning which only concerns its economic profit and effectiveness. As the standard of living and personal wealth have improved over the years, residents have come to demand a more futuristic model designed to satisfy the individuals personal taste and lifestyle. Therefore, the purpose of this study is to suggest the planning method of multi-household apartments to correspond to resident's specific demand.

• Human Ecology Research
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• 제59권1호
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• pp.127-141
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• 2021

This study evaluates the financial status of Korean households using Household Financial Composite Index (HFCI) proposed in the preceding study. We analyzed 1,566 households with four persons aged 30-59 using raw data from the Korea Labor Panel Survey in 2016. The analysis results are as follows. First, HFCI was found to be 57.0 out of 100. Growth Index as one of three subindices was 11.1, which was significantly lower with 65.0 points for Status Index and 61.1 points for the Stability Index. Second, for households with male household owners, the overall financial score was 57.0, while that with female owners was almost similar with 57.2. HFCI was similar for the owner's age groups, but for Status Index, 58.5 for 30s, compared with 66.1 for 40s and 67.1 for 50s. The higher the education level of household owners, the better HFCI, with 53.2 high school graduates and 64.8 graduate graduates, showing a high gap of 11.6 points. HFCI for households living in owned housing was highest at 60.0, while that for rented housing was 40.7. Third, after controlling other effects, it was found that HFCI differed according to the level of education and ownership of housing living. Householder's gender was not found as a significant factor on HFCI. Status Index The 40s and 50s was higher than those in their 30s. Fourth, households were divided into three groups based on HFCI, named as risk, average and secure groups. HFCI for the risk group was 26.8, which was lower than 78.6 for the secure group, with a Status Index of 19.3. Households in their 50s and graduate school graduates were significantly included in the list of secure groups than others.

• 가족자원경영과 정책
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• 제13권3호
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• pp.103-122
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• 2009

The purpose of this study is to investigate what owners think of their housing and their community by scrutinizing households, thereby leading to a conclusion of how these communities have developed and the advantages they provide to their owners. This study was conducted by thoroughly interviewing one member from each of a total of 10 households living in apartments and villas in the Gangnamgu area of Seoul between August 5, 2008, and September 25, 2008. The results can be summarized as follows: First, all interviewees were female, within the range of 40 years to 50 years of age, and with high educational backgrounds. They were living in mid-level income or higher households but were characterized by frugal attitudes. Second, their households held a personal and familial meaning to them, one of providing replenishment, rest, and a place to share diverse feelings with their family. Certain factors such as being a convenient place for education, rising housing prices, a large area of greenery made possible by Yangjae Cheon, and so forth contributed to giving a special significance to their housings. The interviewees all thought the convenience of education and the rising housing prices in the Gangnam area were the most important factors. Third, the interviewees indicated the following sociocultural perspectives of Gangnam housings: They provide a good environment for education due to the densely clustered academies in the Daechi-dong area. There are many opportunities to meet neighbors with similar educational and economic backgrounds. There are vast areas of greenery such as Yangjae Cheon. There is access to highly advanced cultural and shopping facilities such as COEX, Seoul Arts Center, etc. There are no amusement centers located near the housing districts. There are convenient transportation methods and facilities. They are subject to jealous looks from people living outside the Gangnam area. Lastly, it seems that no significant community spirit exists among the dwellers of each apartment or villa. However, matters of self-interest such as construction problems, which contribute greatly to creating personal wealth, were exceptions when the dwellers united as a single household.