• Title/Summary/Keyword: financial education needs

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Demand Behavior for Housing Characteristics According to Individual Household's Characteristics- Application of product Characteristic Approach- (개별 가계특성에 따른 주택특성에 대한 수요행태 - 상품특성접근법의 적용-)

  • 이혜선;김용희
    • Journal of Families and Better Life
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    • v.5 no.2
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    • pp.65-82
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    • 1987
  • Product characteristic approach and hedonic method were explained and applied to demand behavior of housing for 360 households sampled from four districts of Seoul. Th major findings are: 1) Housing prices are determined by housing characteristics, i.e., basic structure, interior space, interior quality, and neighborhood quality. 2) as income increase , the demand for basic structure, interior space, interior of quality, and neighbor hood quality increases. As compared to the counties that have advanced housing financial systems, income elasticity form housing characteristics was low. 3) householder's educational level has insignificant effects on the demand for neighborhood quality. 4) the housing need of family is different to a family life cycle. In the first stage, the increase of income enhances the demand for basic structure. interior space, and interior quality, but inversed with neighborhood quality. In the second and third stages, the demand for basic structure, interior space, and interior quality increases as the income increases. 5) It is predicted that the larger the family size, the more housing space is required. But in the low-income group, an increase in family size results in a decrease in the demand for interior space because expenses for food and education are indispensable ones. In the middle -income group the demand for interior space, interior quality increases as the family size increases, In the high-income group, the larger the family size the more interior quality is demanded. As mentioned above, the demand for housing is derived form characteristics and the demand behavior far housing characteristics is varied with individual household's characteristics. Therefore, the fact that different housing needs according to various income groups should be considered in housing policy.

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A Study on the Effective Services Model for Disabled Users in University Libraries (대학도서관의 장애인서비스 제공방안에 관한 연구)

  • Chung, Jae-Young
    • Journal of Korean Library and Information Science Society
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    • v.40 no.1
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    • pp.73-91
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    • 2009
  • There has been almost studies focused on public library in the provision of the use and needs of library services for persons with disability. However, the number of disabled students are rising steadily in university library. So university libraries must make reasonable efforts to give disabled people the same access to information, programs and resources enjoyed by those who are not disabled. The study result showed that despite most university library already is recognized the necessity offering service for disabled, however, due to lack of understanding of services for disabled, legal standards rather than to have made only partial support to them. Therefore, librarians for the disabled in every sector(library-related organizations, groups, and association) have to play an important role in policies and financial support them. Also, active guidance and public relations about library services, improvement of accessibility for the disabled by using homepage, and the arrangement of librarians for the disabled and education for them should be supported for improving library services for the disabled student.

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A Study on convergence of Mobile Smart Commerce and O2O Distributions Business Model for Small to Medium and Micro-Enterprises (중소·소상공인을 위한 모바일 스마트커머스 및 O2O 유통 비즈니스모델 융합 연구)

  • Kim, Byung-Wan
    • Journal of the Korea Convergence Society
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    • v.7 no.5
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    • pp.161-167
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    • 2016
  • Distribution channels are changing its industry paradigm from quantitative increase to qualitative improvement. In addition, it incorporates new characteristics and consumption tread of customers and the core value of service is developing focused around on online to offline (O2O) business model of omnichannel. In this respect, companies are integrating various distribution channels and in order to provide high content business service to customers, their interest in finding a new business strategy is increasing. Currently, most of the service being provided to customers are formed based on distribution structure centered around big companies and financial industry and the problems faced by small to medium and micro enterprises, which are expansion and improvement of channels, discovery of new distribution channels and finding O2O marketing strategy, can be said as very important task. Accordingly, this research purports to create added values which can serve as the driving force of growth of "creative economy" by improving distribution channels in which anyone who incorporates needs of smart consumers can enter into the smart commerce market and to further form sustainable win-win market that is strategic through business platforms for small to medium and micro enterprises therefrom.

Consumer's Satisfaction of Insurance Consumption: Focusing on Self-determination Theory (소비자의 보험소비만족에 관한 융합연구: 자기결정성 이론을 중심으로)

  • Sim, Hyeon Jeong;Kim, Minjung;Choe, Hyuncha
    • Journal of the Korea Convergence Society
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    • v.9 no.5
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    • pp.157-169
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    • 2018
  • The purpose of this study is to investigate the effect of voluntary purchasing motives on insurance consumer satisfaction. The purpose of this study is to investigate the direct and indirect effects of insurance consumption satisfaction including psychological needs of consumers that induce voluntary purchase motivation based on psychological self-determinism theory. The research hypotheses and models were verified through structural equation analysis using online surveys of 1,225 insurance consumers. As a result of the study, the satisfaction of insurance consumption is increased when purchasing by voluntary purchase motive, in which consumers perceive the necessity of purchasing themselves. The positive perception of insurance consumption autonomy and insurance consumption environment increases the motivation to purchase voluntarily, Respectively. Through this study, it is suggested that excessive marketing of insurance companies and self-confidence of insurance consumers may hinder insurance consumption satisfaction and education of consumption attitudes of financial consumers to raise awareness of autonomous rights and responsibilities of insurance consumers.

Current Status of Information Security against Cyber Attacks in Universities and Its Improvement Methods (사이버 공격에 대비한 대학의 정보보안 현황 및 개선 방안)

  • Kang, Young-Sun;Choi, Yeong-Woo
    • Journal of the Korea Society of Computer and Information
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    • v.16 no.12
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    • pp.215-225
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    • 2011
  • This paper suggests several methods of improving information securities of universities through the investigations of the current status of information securities in universities, which is becoming a hot topic in knowledge and information societies. In this paper, universities were randomly selected according to their size, and surveyed through email questionnaire to the persons in charge of security in each university, and 27 universities and 18 colleges were replied. From the survey results we confirmed that the pre-prevention is the most important thing in securing information assets, also in universities, and, in this paper, systematic support must be strengthened to establish a comprehensive security management policy and guidelines for the universities, and the importance of information assets and the necessity of security needs to be shared with the members in the universities. Moreover there must be full administrative and financial support, including recruitment and training of information security professionals and the establishing a separate security division.

Reforming the Rural Health Insurance Programs in Korea (농촌의료보험의 당면과제와 개선방향)

  • Moon, Ok-Ryun
    • Journal of agricultural medicine and community health
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    • v.16 no.2
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    • pp.179-194
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    • 1991
  • Despite its universal coverage of health insurance, the rural health insurance program(RHIP) stands at the crossroads in Korea. The RHIP has weaknesses in stability of financing, problems of inequities in the provision of health services and has suffered from high cost of running the program. The author has analyzed these problems from the perspective of health insurance policy and presented several options for improvement. First of all, this study urged the importance of a firm Governmental commitment of RHIP with the 50% subsidization of contributions as the Government had promised, instead of the current 40%. This can be justified from the 20% subsidization by the Government for the contributions of private school teachers and their dependents, who belong to richer segments of the population. Second, various cost containment measures ought to be sought curbing the rising demand for medical through strengthening health education and increasing individual responsibility, and tightening the claim review process. Third, this study requires the Government to run a demonstration project on the introduction of case payment system for primary health care. Fourth introducing an income-related cost sharing scheme is another possibility. Reforming the cost sharing formula for large medical expenditures is recommendable for a beginning. This measure can take the form of tax credit for medical expenditures of the poor. Fifth, the degree of financial adjustment among health insurance plans should be levelled up for enhancing stability of RHIP and social solidarity. Sixth, health policy should be redirected toward development of rural health resources and higher priority should be put on relieving difficulties in access to care. Seventh. the insurance plan owned-hospital needs to be developed or provision of health services in the medically underserved areas, and the need of such facilities is particularly acute for geriatric care, rehabilitation and renal dialysis, etc. Eighth, more generous insurance benefits are required of the elderly who are suffering the most : elimination of the maximum 180 days of benefit period and provision of glasses and artificial dentures, etc. Ninth. the economies of scale principle is working for the operating expenses of regional self-employed insurance plan. Thus, measures should be instituted to pursue an optimum size of health insurance plans. Lastly, excessive dependence on exclusion items is an evil so that some radical remedies are urgently required to cut them.

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Determination of Strategic Business Units in the Health Promotion Service Adreas of Health Center (보건소 건강증진사업에서의 전략적 사업영역 결정)

  • 이선희;조희숙;박혜숙;박영숙;김한중;손명세;이지전;이상욱
    • Health Policy and Management
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    • v.8 no.2
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    • pp.110-124
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    • 1998
  • Determining of Strategic Business Units in the organization is a major critical process for improving the organizational performance. On increasing the demands for extension in function of health center, many health centers are trying to provide the various services. But most health center determined the kind and level of service without scientific considerations. The purposes of this study are to develope the model for determination of strategic business units in health center and to test the availability of implementation for it. Our model is rooted from the McKinsey matrix analysis of Product Portfolio Analysis which used widely in marketing field. We modified the evaluation criteria of the McKinsey matrix analysis for health care field appropriately. Our evaluation criteria are categorized into two concepts; contribution of service, availability of service. At first, in terms of contribution of service, market size, market growth rate, needs and demands of regional people, existences of alternative services in that region, correspondence with health policy. The other component, availability of service are included the availability of manpower, financial availability, the level of knowhow on service, acceptance of health care manpower. In the result of analysis, we could conclude that antismoking and antialcoholics education programs, health screening program are important strategically in that aspects of contributions and availability of services. Also, vaccination program is important in that aspect of service availability and diet and exercise program, health library are meaningful in the aspect of service contribution. Therefore, we think that efforts to investigate the evaluation criteria for priority setting or determination of service area in health center are useful challenges.

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A Study on the Policies of Residential Remodeling for Elderly Households of Korea and Japan (한국과 일본의 노인가구 주택개조 관련 정책에 관한 고찰)

  • Park, Nam-Hee;Kwon, Oh-Jung;Choi, Ryung;Shin, Hye-In
    • Journal of the Korean housing association
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    • v.17 no.6
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    • pp.109-118
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    • 2006
  • The purpose of this study was to investigate the policies related to residential remodeling for elderly households of Korea and Japan. Documentary research methodology was used in this study. The major results of this study are as follows: 1) It is not enough that the housing policy of elderly households prepare institutions and standards for aging society in Korea. 2) Residential remodeling projects by this time were not to improve residential environment of elder]y households but to support only a few low income elderly households in Korea. 3) Housing policy of elderly households consisted of design and remodeling standards for barrierfree of new housing and housing stock, housing financing, human resource network, and educational program of housing remodeling in Japan. 4) Central government and local self-governing body have support system which is systematic and that is helpful to those elderly households who needs housing remodeling in Japan. 5) It is needed that local self-governing body frame a policy of residential remodeling for elderly households. And central government and local self-governing body prepare the policy of financial support and contents of residential remodeling for elderly households according to the level of housing quality and residents circumstances. And they have the education system for specialist of residential remodeling for elderly households and clarify the standards of residential remodeling for elderly households. 6) In-depth analysis study is need to find a suggestion in many cases of advanced nations.

A Study on Problems and Improvement Ways According to Survey of Supporting Project for Human Resource Management of Strategic Industry in Jeonnam Government: Focused on Shipbuilding Industry (전남지역 전략산업분야 인력양성 지원사업의 수요조사에 따른 문제점 및 개선방안 - 조선 산업을 중심으로 -)

  • Jang, Heung-Hoon;Hwang, Jae-Youn;Kim, Kyung-Jin
    • Journal of Korea Port Economic Association
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    • v.26 no.4
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    • pp.289-309
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    • 2010
  • After getting through the financial crisis, Korean government has promoted Local Industry Promotion Project across the country by realizing the needs to overcome structural recession and promote self-growth. Therefore researching current manpower status and manpower demand in shipbuilding industry, which is the strategic industry of Jeonnam province, is very critical to enhance the competitiveness and efficiently manage training professional manpower. In this respect, this study mentioned some issues and provided the improvements for the research on demand for Professional manpower training project in Shipbuilding industry of Jeonnam province. It was shown that the aging trend of professional workforce, short in skilled/professional manpower and lack of education & training institutions are critical problems of shipbuilding industry in Jeonnam province. To improve these problems, various support policies such as strengthening networks among related agencies and companies or universities are strongly recommended.

The Perceived Benefits of Electronic/digital Reference Services in Nigerian University Libraries: a survey

  • Uzoigwe, Comfort U.;Eze, Jacintha U.
    • International Journal of Knowledge Content Development & Technology
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    • v.8 no.2
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    • pp.49-65
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    • 2018
  • Are the benefits derived from ICT based reference and information service worth the financial and other commitments devoted to it? In an attempt to answer this, this study delved into finding out the perceived benefits; the rational for ICT based reference services in Nigerian university libraries. The main objectives were to find out the purposes for using ICT facilities in reference services delivery and the perceived benefits derived from using ICT resources in reference and information services. Being a survey, questionnaire was used to collect data from the librarians of twelve (12) universities; two (2) each sampled from the six geopolitical zones of Nigeria. Data was analyzed using frequencies, mean scores and standard deviations. ANOVA statistical analysis was used to test the hypothesis of no significance difference in the benefits derived from ICT based reference services using p-value of 0.05 to calculate the level of significance. Findings showed that librarians and library users made use of ICT facilities for different reference purposes especially to obtain information they need using the internet. Other reference needs for which patrons used the ICT facilities included: - access to current e-books and e - journals, user education and access to global information in other libraries. Provision of current awareness services (CAS) and selective dissemination of information services (SDI), on-line searching using workstations in the library, provision of on-line public access catalogue (OPAC) services, keeping statistics of users of the reference section and compilation of bibliographies. Further findings showed that the librarians and library users derive a lot of benefits from their use of ICT facilities in reference services. The results showed that easy retrieval and dissemination of information to patrons were ranked highest by the librarians amongst others.