• Journal of Families and Better Life
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• v.7 no.2
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• pp.61-70
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• 1989

The present study investigated characteristics of Korean hourehelds in the expanding stage of the family life cycle depending on decision-making of current and planned credit card use. Households which were selected for this study had at least one dependent child enrolled in primary, middle, or high school, 1998. Regarding current and planned credit card use, credit card holder (n=379) and non-holder (n=259) households and continuous (n=331) and discontinous (n=47) credit card holder households were compared. Comparisons were perfomed by t-test, one-way ANOVA, and X2-test. Related factors were households demographic characteristics, financial management behavior, perceived financial well-being, and attitudes toward credit cards. Findings indicated that holder households tended to be younger, better educated, white-collar workers, and of a higher economic status than non-holders. In comparison to non-holder households, credit card holder households had more favorable atti udes toward credit cards, reported more financial management practices, experienced less financial unbalance, and were more satisfied with their household finaces. Compared to discontinuous credit card holder households, continuous card holder households tended to be larger, have better educated wives and husbands, and have husbands who were white-collar workers. They were more likely to have higher average monthly income than discontinuous holder households. Continuous card holder households also had more favorable attitudes toward credit cards, and more strongly believed and expected financial improvement of their households, compared to discontinuous card holder households.

• Korean Journal of Organic Agriculture
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• v.12 no.4
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• pp.377-397
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• 2004

The objectives of this study are to find out, the fact-analysis of environmental friendly farm households around the Chuam Dam through the sample survey, 2) the developing strategies to improve the EPA on the assumption that is the conservation of Chuam Dam's water quality. The data used in this study comes from 75 sample farm households. The developing strategies to improve the EPA around Chuam Dam was found out that the efficiency measure of land utilization around CImam Dam, producing of high quality and safety agricultural products, promoting of the EPA connected with tourist agriculture, improving of the EPA products and supporting of price and income. In conclusion, there must be strategic measures to increase the income of environmental friendly farmers and to conserve the Chuam Dam's water quality.

• Journal of the Korean housing association
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• v.25 no.2
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• pp.1-9
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• 2014

This study investigates supply patterns and residential characteristics of the Urban-type Housing in Seoul. There have been 3,336 buildings and 71,790 housing units approved until the end of 2012. One-room apartments and small units less than 30 $m^2$ of residential area amount to 81% and 82% of total units, respectively. Major findings are as follows. First, single- and two-person households less than 30 years of age are mostly lived in the housing. Respondents are mainly professional and white-collar (43%) and service and sales workers (27%). Most of them are mid-income classes (67%), which is twice more than that of single- and two-person households in Seoul. They pay 672 thousand won in rent more than average rent of mid-income class. The rent to income ratios are 29.9% for single households and 24.5% for two-person households, which are higher than that of mid-income bracket. Third, their satisfaction level is relatively high in internal environment and access to public service facilities, but not in external environment and community service facilities. They are satisfied with security and daylight, walking and safety, access to public transport and parking space, but not with noise and vibration, natural environment, access to park and cultural and sports facilities, and most community service facilities. It is necessary to reexamine the articles of deregulation and prepare design standards while considering different housing and locational types.

• Journal of the Korean housing association
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• v.18 no.4
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• pp.17-25
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• 2007

The study analyzed the consciousness of mortgage loan of the prospective home-buying households using self-administered questionnaire surveys. The sample of the survey was chosen by convenience sampling method to be 366 prospective home-buying households in Ulsan, with the households head's age being younger than 50. These are the results. First, approximately 80% of the respondents had plans to buy a house through self-support and loan. Second, the consciousness of mortgage loan was relatively low, but the willingness to use it was very high. Third, the need for mortgage loan was relatively high, especially the need for specialists to facilitate the information circulation. Lastly, the awareness and need for mortgage loan were significantly influenced by the family and housing characteristics of households including family life cycle stages, the structure of dwelling, tenure type and monthly household income. It is necessary to provide potential house buyers with appropriate education and information on housing financing, the change of interest rate, and the effects of various financing packages.

• Journal of the Korean Home Economics Association
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• v.41 no.5
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• pp.221-232
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• 2003

This study examined the investment in human capital of Korean urban households. Data for this study were from the 2001 Household Income and Expenditure Survey and consisted of a sample of 2,681 households. The results of Gini's concentration coefficient showed high inequality of investment in human capital. To investigate which factors influence investments in human capital, various socio-demographic variables were analysed. High investment in human capital is shown in high society indicating that they transmit the advantage of education to their descendants. The results of this study is useful for welfare professionals who work in family well-being.

• Journal of Preventive Medicine and Public Health
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• v.50 no.6
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• pp.393-400
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• 2017

Objectives: To relieve the financial burden faced by households, the Korean National Health Insurance (NHI) system introduced a "copayment ceiling," which evolved into a differential ceiling in 2009, with the copayment ceiling depending on patients' income. This study aimed to examine the effect of the differential copayment ceiling on financial protection and healthcare utilization, particularly focusing on whether its effects varied across different income groups. Methods: This study obtained data from the Korea Health Panel. The number of households included in the analysis was 6555 in 2008, 5859 in 2009, 5539 in 2010, and 5372 in 2011. To assess the effects of the differential copayment ceiling on utilization, out-of-pocket (OOP) payments, and catastrophic payments, various random-effects models were applied. Utilization was measured as treatment days, while catastrophic payments were defined as OOP payments exceeding 10% of household income. Among the right-hand side variables were the interaction terms of the new policy with income levels, as well as a set of household characteristics. Results: The differential copayment ceiling contributed to increased utilization regardless of income levels both in all patients and in cancer patients. However, the new policy did not seem to reduce significantly the incidence of catastrophic payments among cancer patients, and even increased the incidence among all patients. Conclusions: The limited effect of the differential ceiling can be attributed to a high proportion of direct payments for services not covered by the NHI, as well as the relatively small number of households benefiting from the differential ceilings; these considerations warrant a better policy design.

• Journal of the Korean housing association
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• v.9 no.1
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• pp.121-132
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• 1998

This study examined households' needs of leisure facilities and identified the related factors using the survey data collected in Ulsan. It was found that current leisure facilities in Ulsan were lacked in quantity even though the needs of households were very high. Additionally, the results indicated that age of wife, education of wife, monthly income, and housing size were partially important factors in relation to the needs of various of leisure facilities.

• 한국노년학
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• v.36 no.3
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• pp.809-826
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• 2016

This study analyzed private pension dependency of Korea and U.S. households using the most recent dataset of two countries. For this purpose, 2013 Korean Retirement and Income Study(KReIS) of national pension research institute in Korea and 2013 SCF(Survey of Consumer Finances) of FRB in U.S. were used. The private pension dependency was defined as the proportion of private pension wealth among total financial wealth in each household and tobit model was used to investigate determinants of private pension dependency of the two countries. After controlling for other factors, household income and net worth, age, educational attainment, and health status of householder were crucial determinants of private pension dependency for both countries. Householder's age, educational attainment, and health tend to increase the private pension dependency in Korea and U.S. However, household income and net worth affected the private pension dependency opposite direction. The private pension dependency increased with high level of income and net worth in Korea, while it decreased with high level of income and net worth in U.S. Results of this study provide useful implications for future pension system and policy in Korea.

• Journal of the Korea Convergence Society
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• v.12 no.8
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• pp.67-75
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• 2021

This study was conducted to verify the factors affecting self-esteem of the 50-69 aged with low income in single person households. The subjects were 233 single households in the 50-69 aged low income from the 2019 welfare panel data provided by the Ministry of Health and Welfare. The dependent variable was defined as self-esteem, and independent variables were relationship satisfaction and life satisfaction. Data analysis was carried out by using SEM analysis, As a result, relationship satisfaction did not have a direct effect on self-esteem, with a low value (path coefficient =0.24). However, relationship satisfaction positively influenced life satisfaction (path coefficient =0.71), and life satisfaction positively influenced the self-esteem (path coefficient =0.46). Thus life satisfaction between relationship satisfaction and self-esteem had a mediator effect on self-esteem with 0.32 value. Therefore, establishing the strategy which supports poor single person households, policy makers should consider methods improving relationship satisfaction and life satisfaction.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.16 no.2
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• pp.987-994
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• 2015

This study examines how single-person household expenditure patterns are different with respect to age and income groups using Tobit model. The expenditure data of the national household survey from 2006 to 2012 were used. The results show that income elasticities of all items are greater than 1 except for food & beverage, housing, water, electricity & gas, and Communication. Income elasticities are significantly different among consuming items. Additionally the income elasticities are also different between various age and income groups of single-person households. Therefore governments and businesses have to take this into account when devising their policies or strategies regarding single-person households. Especially, businesses need to adopt a strategy targeted at single-person households with high income and buying power such as unmarried professional people. As the number of single-person household increases the proportion of expenditures on necessities such as beverage, food, and energy is expected to decrease while that on services increases. Consequently policy responses are required to prepare for the expansion of service industries such as health, hospital, and housekeeping services.