• 제목/요약/키워드: households type

검색결과 394건 처리시간 0.026초

외벌이와 맞벌이 부부가구의 자산포트폴리오 특성 및 주택자산효과 차이 비교 (Comparing Financial Portfolios and Housing Wealth Effects of Single Income and Dual Income Couples)

  • 이현정
    • 한국주거학회논문집
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    • 제27권6호
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    • pp.95-104
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    • 2016
  • The purpose of this research is to compare housing wealth effects of home-owning single income couples (SIC) and dual income couples (DIC) on their non-durable consumption and to assess the effects by location, age groups, housing structure type, debt-to-asset ratio and employment status. Using the Korean Labor and Income Panel Study (KLIPS) of 2014, this empirical study identified 1,198 SIC households and 1,044 DIC households, and employed multiple regression analysis. The main results reveal that the difference of financial portfolios between SIC and DIC households was little but housing wealth effects were stronger among SIC households than DIC counterpart. It's evident that housing wealth effects were conspicuous for SIC and DIC households who were headed by wage earners aged over 40s, and resided in apartment outside the Seoul Metropolitan Area. However, household debt became a determinant in contradicting housing wealth effects of SIC and DIC households. While the household financial dimension was in proportion to income, DIC households didn't gain much financial security due to increasing expenditure. Further, this research imply that liquidity constraints explicitly posed a more serious threat to SIC households whose dependence on housing asset is larger than their counterpart.

재무비율분석을 이용한 가계 재정상태 비교분석 - 근로소득자 vs 자영업자 가구를 대상으로 - (The Financial Ratio as a Tool of Household′s Financial Status Estimation)

  • 배미경
    • 대한가정학회지
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    • 제39권9호
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    • pp.49-61
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    • 2001
  • The purpose of this study was to examine the usefulness of financial ratios as comparison analysis of households financial status. Two household types were discussed such as earner and self-employed. Financial ratios were developed for 2739 households for earners and 2147 households for self-employed using. Korean Household Panel Study from Daewoo Economic Research Center. Descriptive Statistics were used to analyze the financial ratios and seven different finantial ratios were utilized to compare the fiancial status of two different households type. Easers have more average income and net-assets than self-employed. However, using financial ratios, it was found that self-employed households were more stable than easer. The resets shows that the financial ratio analysis gives better tool to estimate households'financial status. Implications for financial educators, counselors, and planners are offered.

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체계론에 기초한 도시가계의 재정상태 분석 (An Analysis of Financial Statement Among Urban Households Based On a System Approach)

  • 양정선
    • 대한가정학회지
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    • 제30권1호
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    • pp.237-255
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    • 1992
  • The purpose of this study was to investigate relations of resources and demands, family financial management and financial statement of urban households by applying a system approach. The results of this study were as follows; Saving rate had significant differences according to resources variables such as age, family life cycle, occupation of househead and housewife, ratio of employed to family member, and to demands variabels such as subjective prospect of business cycle, and value orientation, whereas total saving amount had significant differences according to resources vaiables such as age, family life cycle, educational level, percapita income, occupation of househead, type of income and to demand variable, perception of relative income. Also average monthly saving amount had significant differences according to resources vaiables such as educational level, per capita income, occupation of housewife, housing ownership, ratio of employed to family member, ratio of dependent to employed, and to demands variable, perception of relative income. The stocks had significant differences according to resources variables such as age, family life cycle, educational level, per capita income, occupation of househead, type of income, and housing ownership. Finally, real estate had significant differences according to resources variables such as age, family life cycle, educational level, percapita income, occupation of househead, type of income, housing ownership, and to demands variable, perception of relative income. Financial Statement among urban households according to family financial management had significant differences. And among all variables affecting financial statement among urban households, per capita income had the highest effect and perception of relative income was the second.

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노인의 세대유형에 따른 건강정보이해능력과 삶의 만족도와의 관계 (Relationship between Health Literacy and Life Satisfaction according to Households Type of the Elderly)

  • 최령
    • 한국학교ㆍ지역보건교육학회지
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    • 제25권2호
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    • pp.1-14
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    • 2024
  • 목적: 본 연구는 2021년 지역사회건강조사 자료를 이용하여 65세 이상 노인 9,820명을 대상으로 건강정보이해능력과 삶의 만족도와의 관계를 분석하는데 목적이 있다. 방법: 본 연구는 SPSS 27.0을 이용하여 건강정보이해능력 및 일반적 특성과 삶의 만족도와의 관련성을 분석하기 위해 교차분석, 삶의 만족도 영향 요인을 분석하기 위해 로지스틱 회귀분석을 하였다. 결과: 노인 1인 가구는 건강정보이해능력이 쉽다고 인식하는 경우, 노인 다인 가구는 의료진의 구두 건강정보이해능력이 쉽다고 인식하는 경우 삶의 만족도가 높은 것으로 분석되었다. 결론: 노인의 삶의 만족도 향상을 위해 가구의 특성을 고려한 맞춤형 건강정보이해능력 교육프로그램과 보건의료정책이 필요하다.

중년1인가구의 사회적 배제 잠재집단 유형과 영향요인 (A Study on the Social Exclusion Types of Middle-aged Single-person Households)

  • 장온정
    • 가족자원경영과 정책
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    • 제26권3호
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    • pp.1-17
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    • 2022
  • 본 연구는 1인가구내 집단별 이질성에 주목하여 중년층 1인가구의 사회적 배제가 어떠한 하위집단으로 유형화되는지를 잠재계층분석을 통해 파악하고 사회적 배제 유형에 작용하는 예측요인을 살펴봄으로써 사회적 배제를 극복할 수 있는 정책 방안을 마련하는데 그 목적이 있다. 이를 위해 제14차 한국복재패널 자료를 활용하여 총 361명의 중년1인가구를 대상으로 잠재계층분석 및 다항로지스틱 회귀분석을 실시하였다. 중년1인가구의 사회적 배제지표는 6차원 10개지표로 구성되어 측정되었다. 분석결과는 중년1인가구는 '비배제형'(29.6%), '건강제한형'(14.3%), '교류제한 및 중위험다중배제형'(12.0%), '소득·건강배제형'(14.1%), '고위험다중배제형'(30.0%) 등 5가지 유형으로 나타났다. 응답자의 70%이상이 사회적 배제를 경험하고 있고 대부분 배제유형이 다중배제 상태였다. 각 배제유형에 영향을 미치는 요인을 살펴본 결과 '주관적 건강수준'이 공통된 주요 예측요인이었고, 가족교류, 연령, 여가활동만족도 변인이 '고위험다중배제형'과 '교류제한 및 중위험다중배제형'의 유의한 예측요인으로 확인되었다. 연구결과를 바탕으로 중년1인가구의 사회적 배제 문제를 해결하기 위해서는 다차원적 개입전략이 필요하고 '건강'과 교류 강화를 위한 실천적 방안을 제안하였다.

베이비붐세대 가계의 자산.부채상태 분석: 2006년과 2011년 비교 (Asset-Liability Analysis of Baby-Boomer Households: Comparison of year 2006 and 2011)

  • 차경욱
    • 가족자원경영과 정책
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    • 제16권3호
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    • pp.153-176
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    • 2012
  • This study gives an account of the state of baby-boomer households in regard to assets and liabilities utilizing the 2006 Household Asset Survey and the 2011 Survey of Household Finances. Using the data gathered from each year, this study examined the proportion of households who had each type of asset and liability, and the amount of them. This study also compared the amount of assets and liabilities of baby-boomer households with those of non baby-boomer households in 2006 and 2011 respectively. Finally, this study examined the amount of change and composition ratio of assets and liabilities of baby-boomer households between 2006 and 2011. Selected financial ratios were also presented for both years. Major findings are as follows. The average asset amount for baby-boomer households was approximately 296 million in 2006 and 392 million in 2011. Of total assets, 78% and 76.5% were real assets in 2006 and 2011 respectively. The average financial assets of 2006 baby-boomer households were approximately 66 thousand and the average amount of debt was 42 thousand. For 2011 baby-boomer households, the average amount of financial assets was 92 thousand and the average amount of debt was 73 thousand. Results from the 2011 survey showed that baby-boomer households had a significantly higher proportion of total assets, total debt, and net worth than non baby-boomer households. The proportion of savings, saving insurance, stocks, and mutual funds were significantly higher for baby-boomer households than non baby-boomer households in 2011. In regard to financial ratios, the emergency fund index and debt burden index were appropriate to the guidelines of asset quality, although the propensity to investment indexes were not.

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대도시 저출산 가정의 주거환경과 주거의식 (Current Housing Status and Housing Awareness among Households with One Child in Metropolitan Area)

  • 김영주
    • 가정과삶의질연구
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    • 제23권2호
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    • pp.149-157
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    • 2005
  • The purpose of this study was to identify current housing status and housing awareness such as housing values, satisfaction, and preferences among households with one child. Data were obtained from a questionnaire completed by both husbands and wives living in metropolitan area and aged between 25 and 45. Selected variables were the age, education level, and employment status of housewives, ideal number of children, monthly income, plan to give birth, and so on. Using purposive sampling method, five hundred questionnaires were administered and 360 questionnaires were analyzed. In accordance with the questions related to housing values, housing satisfaction of respondents was examined. In order to compare the housing values, preferences, and satisfaction among diverse variables of respondents, mean, t-test, F test, Duncan's multiple range test, $x^2$ test, and factor analysis were used. The major findings of this study are as follows: First, there were significant differences in current housing type, tenure type, and floor area according to housewives' age, education level, monthly income, and plan to give birth. Interestingly, households not having a plan to give birth in the future were living in larger house than the households having a plan to give birth. Second, housing values of households with one child were divided into 4 factors-environmental comfort, economy and convenience, social status symbolism, and adequacy of space planning. Items related to privacy showed the biggest difference between housing values and housing satisfaction. Third, most of the respondents wanted larger house than current housing. However, the need for quality of housing including floor area and amenities was significantly higher among households not having a plan to give another birth than households having a plan to give birth in the future.

Analysis of Financial Status for the Self-Employed - Effect of Economy Change and Comparison of the Self-employed and Earners -

  • Bae, Mi-Kyeong
    • International Journal of Human Ecology
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    • 제7권2호
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    • pp.53-62
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    • 2006
  • The purpose of this study is to examine the changes in financial structure of the self-employed brought on the economic crisis in Korea.. We use financial ratio analysis, such as income to expenditure ratio, liquidity ratio, debt ratio, and capital accumulation ratio to analyze financial well-being of self-employed households. This study used a 1997 and 1998 Korean Household Panel Study collected by Daewoo Economic Research Institute. The average amount of holding of each type of asset showed that the investment of self-employed households decreased in the banking industry and the stock market in 1998 compared to 1997. On the other hand, asset allocation in bond and real estate increased, which implied preference for a stable type of asset with the increase in uncertainty of the future and economic instability. Devaluation of real estate allowed households to easily obtain real estate and increase preference for asset allocation in real estate after the crisis. The changes in financial ratio for the year 1998 shows that such ratios as income to expenditure, liquidity, and capital accumulation, decreased compared to the year 1997. Among those ratios, the income to expenditure ratio showed the biggest decline because of reduced income of self employed households. The results implied that the income structure of the self-employed is unstable, thus the self-employed were likely to be greatly affected during the economic downturn. Earners have more average income and net assets than the self-employed. However, using financial ratios, it was found that self-employed households were more stable than employees. The results shows that the financial ratio analysis is better tool to estimate households financial status. Implications for financial educators, counselors, and planners are offered. The results will provide implications for policy makers to establish appropriate policies for the self-employed and help them financially survive.

노인가구 유형별 주거만족도 영향요인 비교연구 (A Study on Factors Influencing Residential Satisfaction by Elderly Household Types)

  • 천현숙;오민준
    • 한국주거학회논문집
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    • 제24권5호
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    • pp.27-37
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    • 2013
  • Because of rapid aging, housing stability of elderly household is becoming an important social problem. The population of the elderly people was 11.3% and that of the elderly household was 23.2%, about 407 million, in 2010. Yet, social policies for elderly people are focusing on the household who takes care of the elderly people, not on the elderly headed households. These policies fail to reflect the reality. Housing satisfaction of the elderly household is different based on the tenure type and the satisfaction can be further affected by the types of elderly household within the same tenure group. Thus, strengthening the policies for the elderly headed households as well as differentiating the policies based on the types of household is required in order to meet the needs of the elderly households. For the elderly household living in a rent house in a city, a housing voucher is needed and for the low income elders who own their houses, housing renovation is required. Public housing affects only the residential satisfaction of single elderly households, not for all elderly households probably because public housing does not meet the demand of the elderly households appropriately. Since the elderly households wanting to move is noticeably small, a policy that provides proper facilities within the elders' neighborhood is most necessary. Also, in order to lessen the burden of housing expenses of the elders with low income, a public housing policy, in which 2-3 people living together in one public housing, needs to be examined.

고령자 친화형 유비쿼터스 주거환경 구축 연구 : 노인단독가구 유형별 유비쿼터스 홈 서비스 요구도를 중심으로 (The Development of Elderly-Friendly Ubiquitous Housing Environment : Focused on the Needs for Ubiquitous Home Services by Elderly Households without Children)

  • 권오정
    • 가정과삶의질연구
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    • 제29권6호
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    • pp.105-121
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    • 2011
  • The purpose of this study was to propose ubiquitous housing environment based on older residents' needs for ubiquitous(UT) home services. For this purpose, at the previous study which was the first stage of this study, UT home services by each elderly household based on spouse, income level, and health status were identified and this study finally proposed UT home services by each elderly household type according to residents' level of needs for UT home services. One to one interview with a structured survey questionnaire and illustration was implemented and 204 older residents who were composed of one of six elderly household types were responded. Among 6 types of elderly households, type 2 and 6 were the groups which had higher needs for various kinds of UT home services. Economic status and their health status were the key factors to determine their needs for UT home services. Type 4 and 7 were the groups to express their lower needs for UT home services due to their lower income level and good health condition. Ultimately, two floor plans for type 4 and 5 elderly households were developed to show applicable UT home services in each room of the house.