• 가정과삶의질연구
• /
• 제27권3호
• /
• pp.129-143
• /
• 2009

The purpose of this study was to investigate influences on wives' financial management behavior economic instability and coping behavior of urban household. Economic instability was constructed with an objective economic status and perceived economic instability. And, Financial management behaviors were constructed with four dimensions : investment, income/expenditure, risk, and debt management behavior. The subjects of this study were 225 housewives. Factor analysis, Cronbach ${\alpha}$, and multiple regression were performed for data analysis. The results show that, coping behaviors of searching and using information and perceived economic hardship related to debt influenced housewives' investment management behaviors. The coping behaviors of searching and using information, expending in the range of planned budget, using debt, perceived economic hardship related to debt, income insufficiency, and selective expenditure influenced the consumption-expenditure management behaviors. Perceived economic hardship related to essential expenditures and coping behaviors of searching and using information influenced the risk management behaviors. Coping behaviors of searching and using information, using debts and purchasing and using economically, and perceived economic hardship related to essentials influenced debt management behaviors.

• 사회복지연구
• /
• 제42권1호
• /
• pp.5-30
• /
• 2011

본 연구의 목적은 복지서비스 이용이 저소득가구의 가족갈등에 미치는 영향을 파악하기 위한 것이다. 이를 위해 한국복지패널 1, 2차 년도에 참여한 1,779가구(중위소득 60% 미만)의 자료를 위계적 로짓 모델로 분석하였으며 주요결과는 다음과 같다. 첫째, 저소득 가구의 복지서비스 이용정도는 매우 낮은 것으로 나타났다. 둘째, 복지서비스를 이용하지 않은 경우에 경제적 어려움의 증가는 가족갈등을 경험할 확률을 증가시켰다. 셋째, 경제적 어려움의 수준이 높아질수록 가족갈등을 완화시키는 복지서비스의 영향력은 증가하였다. 이러한 연구결과를 바탕으로 본 연구는 1) 가족갈등을 완화시키기 위해 경제적 어려움을 경험하는 가구에게 복지서비스가 집중되어야 하고 2) 가족관계 증진 프로그램을 통해 저소득 가구의 경제적·신체적·심리적 부담을 줄여주는 통합적인 복지서비스 제공이 필요하다고 제안하였다.

• 한국항만경제학회지
• /
• 제21권3호
• /
• pp.219-238
• /
• 2005

The purpose of this study is to analyze the concept, requirement and the effect of Force majeure and Hardship under the UNIDROIT Principles of International Commercial Contract. Under the UNIDROIT Principles Non-performance by a party is excused if that party proves that the non-performance was due to an impediment beyond its control and that it could not reasonably be expected to have taken the impediment into account at the time of the conclusion of the contract or to have avoided or overcome it or its consequence. There is hardship where the occurrence of events fundamentally alters the equilibrium of the contracts and the events occur or become known to the disadvantaged party after the conclusion of the contract; the events could not reasonably have been taken ito account by the disadvantaged party at the time of the conclusion of the contract; the events are beyond the control of the disadvantaged party; and the risk of the events was not assumed by the disadvantaged party.

• Journal of Preventive Medicine and Public Health
• /
• 제57권1호
• /
• pp.18-27
• /
• 2024

Objectives: This study investigated the association between exacerbated economic hardship during the coronavirus disease 2019 (COVID-19) pandemic and changes in the health behaviors of Korean adolescents. Methods: We analyzed data from the 2021 Korea Youth Risk Behavior Survey and included 44 908 students (22 823 boys and 22 085 girls) as study subjects. The dependent variables included changes in health behaviors (breakfast habits, physical activity, and alcohol use) that occurred during the COVID-19 pandemic. The aggravation of economic hardship by COVID-19 and the subjective economic status of the family were used as exposure variables. Multiple logistic regression analysis was utilized to calculate the prevalence odds ratios (PORs). Results: Severe exacerbation of a family's economic hardship due to COVID-19 was negatively associated with the health behaviors of adolescents, including increased breakfast skipping (POR, 1.85; 95% confidence interval [CI], 1.55 to 2.21 for boys and POR, 1.56; 95% CI, 1.27 to 1.92 for girls) and decreased physical activity (POR, 1.37; 95% CI, 1.19 to 1.57 for boys and POR, 1.38; 95% CI, 1.19 to 1.60 for girls). These negative changes in health behaviors were further amplified when combined with a low subjective family economic status. Conclusions: The experience of worsening household hardship can lead to negative changes in health behavior among adolescents. It is crucial to implement measures that address the economic challenges that arise from stressful events such as COVID-19 and to strive to improve the lifestyles of adolescents under such circumstances.

• 무역상무연구
• /
• 제57권
• /
• pp.3-34
• /
• 2013

In the international sales contract, long-term contracts often face hardship in fulfilling the original contract terms by relevant parties due to rapid change and uncertainty of political and economic circumstance. In this case, party who faces hardship of fulfillment terminates contract or demands adaptation to contract condition but if opponent doesn't accept this, it proceeds to commercial dispute needing legal interpretation. Generally it is wise to set forth governing law in contract between parties in the case of international contract, for legal stability. One of universal governing law which relevant parties select by agreement to solve economical hardship of fulfillment is PICC. PICC defines the hardship in detail for renegotiation on following hardship of fulfillment unexpected. In the case of failing renegotiation, Court(arbitral tribunal) conducts termination to contract or adaptation to contract condition through arbitration or mediation. In conclusion, when signing international long-term contract, it is desirous to handle dispute effectively by inserting provisions which can deal with economical hardship in contract or defining PICC as governing law in the case of hardship incurred. It is because it is realistic to handle dispute smoothly to the extent that both parties can be satisfied in the case of hardship incurred, though international contract should be fulfilled.

• 아동학회지
• /
• 제20권2호
• /
• pp.57-74
• /
• 1999

The present investigation of the relations among economic hardship, parental child-rearing attitudes and adjustment in adolescence was carried out with 528 middle school children and their mothers in Kyung-gi province. Questionnaires for mothers were on economic stress, and children's questionnaires were on perceived parental attitudes as well as their own adjustment behaviors, such as aggression, depression, and negative self-concept. Adolescent boys perceived paternal child-rearing attitudes more rejecting and inconsistent when the family experienced income loss. Paternal nurturing behaviors perceived by children were also reduced under poor paternal working conditions. Change in family life style due to economic hardship resulted in higher adolescent depression.

• 한국사회복지학
• /
• 제67권2호
• /
• pp.203-236
• /
• 2015

이 연구는 부부의 상호의존성을 고려하여 자기-상대방 상호의존 모형(the Actor-Partner Interdependence Model)으로 문화적 도전과 경제적 곤란이 다문화부부의 이혼의사에 미치는 자기효과와 상대방효과를 조사하고, 이 두 효과의 조합을 비율로 측정하여 양자관계의 패턴을 살펴보았다. 여성결혼이민자 부부표본 415쌍(n=830)의 자료로 APIM에 대한 경로분석을 실시한 결과, 한국인 남편의 문화적 도전에 대한 높은 인식은 자신과 배우자의 이혼의사에 미치는 자기효과와 상대방효과가 유의했고, 결혼이민자인 부인의 그런 인식은 자신의 이혼의사에 기여하는 자기효과만 유의했다. 반면 남편의 경제적 곤란 인식은 자신과 부인의 이혼의사에 미치는 효과가 미미했고, 여성결혼이민자에게 지각된 경제적 곤란은 자신과 배우자의 이혼의사에 미치는 자기효과와 상대방효과가 유의했다. 붓스트랩을 이용하여 APIM 효과들의 관계패턴을 검정한 결과, 남편의 이혼의사는 문화적 도전의 자기중심패턴이, 그리고 부인의 경우는 커플패턴이 지지되었다. 경제적 곤란은 효과크기의 비교로 남편과 부인의 이혼의사가 각각 상대방중심패턴과 자기중심패턴에 가까움을 유추할 수 있었다. 이 결과들은 한국인 남편이 배우자와의 문화차를 포용할 수 있는 문화적 역량을 키우고 여성결혼이민자가 경제적 자립에 대해 희망을 가질 수 있도록 이들과 가족의 경제적 역량을 강화하는 것이 부부의 화합과 다문화가족의 해체방지에 기여할 수 있음을 시사하여 끝으로 이를 논의하였다.

• 아동학회지
• /
• 제20권2호
• /
• pp.21-40
• /
• 1999

Path analysis was used to determine variables influencing the self-esteem of 222 4th, 5th, and 6th grade children in law-income families. The children and their mothers responded to questionnaires on self-esteem, child psychological traits, mother psychological characteristics, economic hardship, and child rearing practices. Mothers' warmth-acceptance child rearing behavior was facilitating of children's self-esteem. However, mothers' economic stress had an indirect impact via their depression on decrease in the warmth-acceptance variable. Permissive-nonintervention child rearing behavior decreased the level of children's self-esteem. However, mothers' depression and marital confilct(??) deriving from economic stress increased both rejection-restriction and permissive-nonintervention styles of child rearing. Mothers who experienced much stress due to economic hardship influnced(??) children's perception of their family's poverty and thereby lowered their children's self-esteem.

• 사회복지연구
• /
• 제42권3호
• /
• pp.233-265
• /
• 2011

본 연구에서는 물질적 궁핍의 측정 및 분석이 빈곤에 대한 다각적 이해에 유용할 뿐 아니라 빈곤층의 경제적 어려움 해소를 위한 대책 마련에도 주요한 정책적 시사를 제공할 수 있음에 주목하여, 한국사회 물질적 궁핍의 전반적 실태와 더불어 빈곤층의 물질적 궁핍의 양상 및 관련 영향 요인을 분석하고자 하였다. 분석에서 물질적 궁핍은 기본욕구 충족과 밀접히 관련된 음식(food), 주거(housing), 생활필수공공재(utilities), 의료서비스(medical care)에의 결핍 경험으로 정의, 측정하였으며, 분석자료로 한국복지패널조사자료를 활용하였다. 분석결과에서는, 물질적 궁핍을 경험한 가구의 비율은 전체의 17.0%로 나타나 최소수준의 기본욕구조차 충족치 못하는 가구들이 적지 않음을 확인할 수 있었다. 둘째, 소득계층 및 빈곤지위별 분포를 분석한 결과에서는 물질적 궁핍이 하위 소득계층(34.8%) 및 빈곤층(40.7%)에서 높게 경험되고 있지만, 중간 소득계층(18.0%) 및 비빈곤 차상위층(36.6%)에서도 적지 않게 경험되는 것으로 확인되었다. 셋째, 빈곤층을 대상으로 관련 요인들의 영향을 분석한 결과, 가구소득(욕구대비소득)은 별다른 영향이 없는 반면 소비지출 관련 요인(주거형태, 가족형태, 건강상태) 및 여타 경제적 자원(재산, 기초보장수급), 가구주의 취업지위 등은 유의미한 영향을 미치는 것으로 확인되었다. 본 연구의 결과는 소득빈곤의 분포와 물질적 궁핍의 분포가 일치하지 않음을 보여주어, 물질적 궁핍의 측면에 대한 분석이 한국사회 빈곤의 다면성을 파악함에 유용할 수 있음을 시사하여 준다. 또한, 빈곤층의 물질적 궁핍 실태와 양상은 국민기초생활보장제도에 대한 적극적 개선 및 보완이 요청됨을 시사하여 준다.

• 가정과삶의질연구
• /
• 제4권2호
• /
• pp.67-88
• /
• 1986

This study attempts to explain the income and consumption problems of urban low-income consumers and to explore factors of their poverty. For the purpose of this study, interviews were conducted with 124 low-income home managers. All the subjects live in Seoul and Inchon. The major findings are: First, low-income families seriously suffer from low income and small property. And the degree of economic hardship is the most serious with wife-working families whose husbands have no job or are dead. Second, low-income consumers have low budgeting and purchasing skill. Third, low-income consumers have 'doing' orientation but have fatalistic value orientation. This study suggests that it is necessary to develop an integrative measurement of economic hardship. It also suggests that low level of low-income consumer's skill can be well explained in terms of man-nature value orientation.