• The Journal of Industrial Distribution & Business
• /
• v.10 no.2
• /
• pp.25-37
• /
• 2019

Purpose - The goal of this study is to analyze the differences in education performances between students of the government's financial support program and those who do not receive support at a local university in Korea. Research design, data, and methodology - The questionnaire used was NASEL. NASEL is considered a highly suitable survey tool for professors, courses, and performances in Korean universities. The 290 students who participated and 44 students do not participate in the financial support program were surveyed for 10 days. The characteristics of students were investigated by frequency analysis and technical statistics. The analysis of student collective characteristics used independent t and f-tests,and one-way ANOVA with IBM SPSS Statistics 22.0 for statistical purposes. Results - The p-value of the group receiving financial support and the group without financial support in active-collaborative learning is 0.167. The p-value of the economically supported group and the non-supported group of the faculty-student interaction is 0.281. The confidence coefficient of the active-collaborative learning questionnaire is 0.861. The reliability coefficient of the questionnaire for the faculty-student interaction questionnaire is 0.871. Conclusions - There are no clear differences in active-collaborative learning and faculty-student interaction between participating and non-participating students in the economic program.

• The Journal of Industrial Distribution & Business
• /
• v.9 no.9
• /
• pp.15-23
• /
• 2018

Purpose - The purpose of this paper is to examine the determinants of non-bank depository institutions (non-bank financial corporations) lending to firms. The paper aims to contribute to the existing literature by providing empirical evidence from firm-level data and unveiling factors related to access to non-bank financial corporations by firms. Research design, data, and methodology - We used the data on borrowing by firms from CRETOP from years 2008 to 2011. Using the manufacturing industry, we examined what firm-level characteristics explained the increase in borrowing from non-bank financial corporations rather than the banks. Results - Analyzing the firm-level data from 2008 to 2011, we found that firms were more likely to borrow from non-bank financial insti­tutions as the size of the firm increases, implying that large firms have more access to non-bank financing than small and medium-sized firms. In addition, it also showed that small and medium-sized firms moved to non-bank financial corporations for loans. Conclusion - Non-bank depository institutions are not a sub­stitute for bank lending to firms. More specifically, they replace bank lending to firms mostly for large firms rather than small and medium-sized firms. Also, collateral and other firm-level characteristics do not matter in accounting for non-bank lending to firms.

• Journal of the Korean Home Economics Association
• /
• v.35 no.5
• /
• pp.1.1-15
• /
• 1997

The purposes of this study were to identify the household's financial status by life cycle stage and no analyze contributing factors to financial planning for retirement preparation among Korean marred couples. For these purpose, 2074 married couples those being under 55 and having either single earner or dual earners were selected, and total sample was divided into three stages; young-aged(＜35), middle-aged(35-44) & old-aged(45-54). Statistics were frequencies, means, percentile, and logistic analysis. The results were as follows. First, old-aged had higher level of total income, total expenditure and total assets than either young-aged or middle-aged. In addition, households those holding private pensions were likely to have higher total income, total expenditure and total assets than those owning no private pension. while middle-aged had a highest total debts. Second, gini coefficients of total income and total expenditure between three aged groups were similar, but old-aged had the highest gini coefficient of total assets and total debts. In particular, gini coefficients of total assets and total debts of households those having no private pension were greater than those holding private pensions. third, contributing factors to private pension ownership of young-aged were family & household-related factor and financial factor, middle-aged's factors were household head's characteristics and financial factor. Also, old-aged's factors were household head's characteristics, family & household-related factor and financial factor.

• Journal of Korean Clinical Health Science
• /
• v.4 no.2
• /
• pp.582-592
• /
• 2016

Purpose. For more effective hospital management, it analyzes the trend through general characteristics, balance sheet, income statement, and financial ratio analysis, grasps the causes of the problems, and analyzes management of the hospital in order to use the result as baseline data for development of the hospital in the future. Methods. The collected data of 3 years from 2011 to 2013 about 3 tertiary hospitals in metropolitan cities from Alio (provider of public institution information; www.alio.go.kr), Health Insurance Review & Assessment Service (www.hira.or.kr), and the website of the Ministry of Health and Welfare (www.mw.go.kr) were analyzed and general characteristics, balance sheet, income statement, and financial ratio, analysis are used as data. Results & Conclusions. From the result of data analysis from 2011 to 2013, general characteristics, balance sheet, income statement, financial ratio analysis, and pie charts could lead to conclusions as follows. In the result of comprehensive analysis, the 3 tertiary hospitals showed increase of fixed expense due to extension of the buildings and so did the scale of fund and asset. Although medical revenue increased, the margin of increase for medical expense was greater than that of medical revenue, which consequently led to loss. In prediction for the 3 tertiary hospitals based on characteristics so far, it is expected to see improved revenue structure after building extension is completed, but it is necessary to exert management effort to maintain its optimal level by enhancement in stability of management and inventory turnover through management of inventories.

• Journal of the Korean Home Economics Association
• /
• v.32 no.5
• /
• pp.45-54
• /
• 1994

The purpose of this study was to investigate the characteristics of financial management styles and retirement planning. The results of this study were as follows: Among respondents systematic managers feeling managers analyzing managers, and holistic managers were respectively 20.1%, 19.5%, 30.8% and 29.6% Several variables such as education total household income and occupation had significant differences by the financial management style. Within the group of retirement planner analyzing manager held the first place whereas holistic manager ranked the first in non-planner group. Retirement planning age which is appropriate for starting to plan the degree of systematic retirement planning and life expectancy had significant difference by the financial management style.

• KDI Journal of Economic Policy
• /
• v.38 no.3
• /
• pp.53-77
• /
• 2016

Financial soundness in the household sector matters for financial stability and for the real economy. The level of household debt in Korea raises concern about the financial soundness of the household sector due to its size, growth rate and quality. Against this backdrop, we assess the financial vulnerability of borrowers based on an analysis of credit bureau (CB) data, in which the actual credit activities of most individuals are recorded at a high frequency in Korea. We construct over-indebtedness indicators from the CB data and then assess the predictability of forthcoming defaults. Based on the over-indebtedness indicators, we show how borrowers are distributed in terms of over-indebtedness and how the over-indebted differ from average borrowers in terms of their characteristics. Furthermore, we show how the aggregate credit risk in the household sector would change under macroeconomic distress by analyzing how each borrower's credit quality would be affected by adverse shocks. The findings of this paper may contribute to assessing household debt vulnerability and to enhancing regulatory and supervisory practices for financial stability.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
• /
• v.69
• /
• pp.389-406
• /
• 2016

The Purpose of this study is to analyze the financial statements of ocean-going shipping companies that have experienced financial difficulties since the global financial crisis. Specifically, the study conducts comparing major firm with small and medium-sized firm from fianancial point of view, analyzes the different trends of two groups. As a result, this paper finds the different characteristics between two groups. There were known many financial difficulties in ocean-going shipping companies, but this is not applied to small and medium-sized firm group. Small and medium-sized firm group grew soundly and slowly during research period. But major firm group experienced the deficit and their management condition has deteriorated considerably during that period. To cope with this difficulties, major firm group should take self-effort to improve fianacial structure and establish the risk management system.

• International Journal of Human Ecology
• /
• v.5 no.1
• /
• pp.35-43
• /
• 2004

The purposes of this study are to examine effects of household characteristics and risk tolerance attitude on risk tolerance behavior and to investigate the effect of risk tolerance attitude and behavior on financial satisfaction. For this study, data were collected during October of 2001 through a popular Web site for women in South Korea (www.azoomma.com). The participants in this study were 609 housewives, resulting in 607 with usable data. Multiple regression and path analysis were conducted using the SPSS for Windows. Findings suggest that the greater is risk tolerance attitude, the greater is risk tolerance behavior and those who exhibit more risk tolerance behavior tend to be more satisfied with their personal financial situation. It implies that risk tolerance behavior playa positive role in predicting financial satisfaction. The results have implication for family economists and educators in developing educational program and presenting strategic to increases financial well-being, and also for financial counselors and planners in suggesting portfolio advice to their client

• The Journal of the Korea Contents Association
• /
• v.19 no.12
• /
• pp.68-83
• /
• 2019

The characteristics of intermediate-level waste treatment services are likely to have a negative effect because they act as a factor in promoting incentives of earnings management in the relationship between financial characteristics and earnings management in companies which are possible for earnings management. The researchers conducting this study attempted to empirically verify relationships between financial characteristics and earnings management against domestic construction waste disposal companies in consideration of the characteristics of intermediate-level waste disposal businesses, and the results are as follows. As construction waste disposal businesses grew larger, and the trade receivables collection period lengthened, the intention to increase profits via real activities strengthened. As the ability to generate cash via sales activities weakened, and the difference between the EBITDA margin and the operating margin was lower than the difference in industrial average ratio, discretionary accruals and earnings management via real activities were greater. In particular, there were differences in the variables of intermediate treatment business characteristics which reveal moderating effects by financial characteristics. This study is meaningful in that the scope of relationships between financial characteristics and earnings management in accounting is expanded to cover the construction waste disposal industry.

• Korean Journal of Human Ecology
• /
• v.17 no.4
• /
• pp.679-692
• /
• 2008

The goal of this study is to analyze one-child households' financial structure. The data from 1022 more than two children households and 236 one-child households were taken from the Korean Labor and Income Panel Study(2004). This study compared demographic, socioeconomic and marital characteristics between one-child households and more than two children households. A chi-square test, t-test and multiple regression analysis were used. The major findings were as follows: One-child households were different from more than two children households in demographic socioeconomic characteristics and financial structure. In one-child households, the variable that significantly influenced on consumption expenditures was monthly income and the variables that significantly influenced on private education expenditures were householder's age, home-ownership, monthly income.