• Title/Summary/Keyword: Psychological debt burden

Search Result 3, Processing Time 0.016 seconds

An Empirical Study on the Influencing factors of Household Debt (가계부채의 결정요인에 관한 실증적 연구)

  • Lee, Shin-Nam
    • Journal of Digital Convergence
    • /
    • v.14 no.5
    • /
    • pp.177-183
    • /
    • 2016
  • The purpose of this study is to analyze the affecting factors and debt characteristics with household debt. The method of analysis was used SPSS 22.0. The main results were as follows. First, psychological debt burden group were found to be lower academic background, more household members, job in agriculture, forestry and fisheries and women among demographic characteristics. This suggests the need for the governments who are interested in the risk from household debt. Second, psychological debt burden group showed higher level of debt and average monthly debt repayments. This study implies that it is necessary to do financial education and consulting. Third, psychological debt burden group seemed that the households with more the average monthly interest payments and repayments on income, the more total liabilities compared to total assets. As the ages get higher, it was gradually increased. It suggests that the development of psychological counseling program for debtor with household debt. Other factors(property prices or the financial environments) will be dealt with in the subsequent studies.

Financial Debt Burden and Financial Stress (부채부담과 재무스트레스)

  • You, Soye;Park, Jooyung
    • Korean Journal of Human Ecology
    • /
    • v.23 no.1
    • /
    • pp.47-61
    • /
    • 2014
  • The purpose of this study was to identify the relationship among financial debt burden, psychological factors and financial stress. Data was collected by surveying 450 individuals who were over twenty years old, and 384 were used for the analysis. As the result, first, number of sources of debt, use of each debt, marital status/double income, housing, debt amount and financial stress were found to be significantly different among three groups(debt free, non risky, risky). In addition, marital status/double income, gender, housing and income were found to significantly influence to the probability of being one of the three groups. Second, level of debt burden, age, employment and income were found to significantly influence to financial stress, while psychological factors such as risk tolerance and self-control were not. It might be noteworthy that people in debt were likely to have higher level of stress, while the older, employed, and having higher income were likely to have lower level of stress. This study would provide useful information in terms of debt policy to relieve the financial stress.

The Experience of Parents Whose Child is Dying with Cancer (암 환아 부모의 경험에 대한 질적 연구)

  • ;;Ida Martinson
    • Journal of Korean Academy of Nursing
    • /
    • v.22 no.4
    • /
    • pp.491-505
    • /
    • 1992
  • The purpose of this research was to understand the structure of the lived experience of parents of a child terminally ill with cancer The research question was “What is the structure of the experience of parents of a child terminally ill with cancer\ulcorner” The sample consisted of 17 parents of children admitted to the cancer units of two university hospitals in Seoul. The unstructured interviews were carried out from October 10, 1991 through January 10, 1992. They were audio-recorded and analysed using Van Kaam's method. Parents ascribed the cause of the cancer to the mother's emotional imbalance during pregnancy, the mother's stress, failure to observe religious rites, food, the parent's sin, misfortune and pollution. The theme clusters were tension, fear and depression experienced during pregnancy, stress that children suffer from abusive parents, failure to observe religious activites, bad luck, and sins committed during a previous life. When the child suffered a recurrence of cancer, the parents experienced negative emotions, nervousness, sorrow. depression and death. The theme clusters were feelings of despair, helplessness, regret, guilt, insecurity, emptyness and apathy. The long struggle with cancer resulted in the loss of economic security, loss of psychological and physical well being, and social withdrawal. The theme clusters were the economic burden of medical cost, giving up treatment, debt, limited medical insurance coverage and blood transfusion. The loss of psychological well being included stress, lack of support systems, inability to carry out responsibilities, lack of trust of the medical ten family breakdown, inappropriate expression of emotion and not disclosing the diagnosis to the child. Physically the parents suffered fatigue, insomnia, loss of appetite, loss of weight, dizzness, headache, psychosomatic symptoms, and increased consumption of liquor and cigarettes. Social withdrawal was manifested by taking time off from work to look after the child, decrease of outside social activities and feelings of isolation. Influences on family life were spousal conflicts, negative response of siblings, separation of the family members and economic hardship. The theme clusters were blaming a spouse for the cause of the illness and disagreements, maladjustment, lonliness, hostility and depression of siblings. The high price of medical care over the long period was a major factor influencing the life of the family. Positive experiences during the child's long illness were the strengthening of support systems and religious beliefs and financial help from social organizations. The support of one's spouse primarily helped to overcome the stress of the long illness. In addition, support was received from parents of other children with cancer and from nurses and religious leaders. The nurse, by providing empathetic support, should be a person with whom parents can express their feelings and share their experiences.

  • PDF