• 가정과삶의질연구
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• 제11권1호
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• pp.107-118
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• 1993

A dimension of well-being economic security was analyzed and compared with economic adequacy. Again it was tested whether two indicators of economic security(short-term vs. long-term) yield same distribution across all household groups. Economic Security was defined as the household ability to sustain a given level of consumption in the case of economic emergency; specifically loss of income. Measure of 8 different kinds of economic security were constructed from household net worth including and excluding home equity. Data were taken from the 1988 U.S. Consumer Expenditure Survey and 2148 households were selected to test hypotheses concerning the economic security of American households Empirical results showed a very low level of economic security in general. The first hypothesis that distribution of economic adequacy and economic security are same across all population groups was rejected. On the average security measure rather than adequacy measure was favor to white female-headed households and households who have old and highly educated house-holder. The second hypothesis that the indicators of long-term and short-term economic security yield the same results across all household was not rejected. In general the level of economic security was relatively higher when long-term indicator was used than short-term indicator was however the direction and relative size of effect of income and each control variable was almost same.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.75-81
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• 2020

This study aims to empirically test the effect of liquidity and adequacy on bank performance through interest rate risk and credit risk. Capital adequacy and liquidity are variables that can affect the ups and downs of opinion, where the bank's performance in this study is the dependent variable. Good credit distribution can minimize the occurrence of defaults. This study uses banking companies in Indonesia that are listed on the Indonesian stock exchange, with a total number of 43 banking companies, this study however, uses only 30 companies ranging from years 2014 to 2019, primarily due to the availability of the limited data. The data analysis techniques used in this study is PLS-SEM with the WarpPLS application. The research results show that capital adequacy and liquidity has a positive effect on bank performance, interest rate risk and credit risk can mediate capital adequacy on bank performance, interest rate risk can mediate liquidity on bank performance, and interest rate risk has a positive effect on bank performance. However, credit risk can't mediate liquidity on bank performance and credit risk does not have a positive effect on bank performance. This is in line with the commercial loan theory, shiftability theory and the doctrine of anticipated income, which explains how best to give credit, both in longer and the shorter term.

• 한국농촌생활과학회지
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• 제10권1호
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• pp.33-42
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• 1999

The purpose of this study was to empirically verify the influence of variables on leisure participation and leisure satisfaction of single working people and the relative contribution of individual leisure participation and family leisure participation. The subject of this study were 176 single working people in Pusan and interviewed with a questionnaire. The data were analyzed by SPSS/PC＋ program for the frequency, mean, standard deviation, Cronbach'$\alpha$, factor analysis and regression. The major results of this study were as follows : 1. The score of family leisure participation were higher than individual leisure participation. The Level of leisure satisfaction was relatively high. 2. Variables that affect the leisure participation were job, degree of information using and perception level of the adequacy of household income. 3. Variables that affect leisure satisfaction were perception level of the adequacy of household income and individual leisure participation.

• International Journal of Human Ecology
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• 제5권1호
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• pp.97-115
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• 2004

This paper first introduces the U. S. pension system and its current trends. Then the following two sections discuss the research on worker behavior of defined contribution plans, a popular pension plan available for American workers in recent years, and the adequacy of retirement income among American people. The last section is a summary. This paper reviews the trend of the U. S. pension system, research on worker's behavior of defined contribution retirement plans, and studies on retirement income adequacy. These themes may have common or different features in other countries, such as Korea. This paper provides helpful information for private and public policy makers and researchers of these topics in Korea to advance their understanding of pension and retirement behavior and facilitate effective policy making of pensions and retirement.

• 가족자원경영과 정책
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• 제2권2호
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• pp.53-65
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• 1998

This study was designed to examine the decision-making and family life satisfaction of the urban middle-aged housewives from the ecological perspective. The main purpose of this study was to investigate the effects of ecological enviornment variables(ie, natural physical-biological environment·social-cultural environment·human-built environment) and their dicision-making on their family life satisfaction. Also, it is to provide some fundamental information that helps to elevate the family life satisfaction of the unban middle-aged housewives. The subjects of this study were 305 housewives living in Seoul and Inchon area, whose age was from 40 to 59. The significant results were as follows: 1) Their decision-making was affected by the following variables in the order of health condition, fate-control orientation, husband’s support, monthly family income and the perception of the adequacy of household income. 2) The ecological environment variables which had an influence on family life satisfaction were the perception of the adequacy of household income, husband’s support, fate-control orientation, health condition and educational level. 3) From the regression analysis, the model was found to be highly significant, accounting for 44% of the variance. Thus, husband’s support was the strongest predictor variable.

• 대한지역사회영양학회지
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• 제26권6호
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• pp.467-481
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• 2021

Objectives: The purpose of this study was to examine the biochemical characteristics, intake of energy, and nutrients by household income levels of Korean adolescents aged 12 to 18 years. Methods: Data from the 6th (2013 ~ 2015) Korea National Health and Nutrition Examination Survey (KNHNES) were used for the study. A total of 1,839 (966 boys, 873 girls) subjects were included, and they were divided into four income groups according to their household income level. We examined general characteristics (gender, region of residence, skipping or not-skipping breakfast, lunch, dinner, frequency of eating-out), anthropometric characteristics (height, weight, weight status), biochemical characteristics (fasting plasma glucose, blood urea nitrogen, creatinine, triglycerides, cholesterol, HDL-cholesterol, hemoglobin, and hematocrit), the quantitative intake of energy and nutrients using the Korean Dietary Reference Intakes (KDRI), and the qualitative intake evaluated by the nutrition adequacy ratio (NAR) and mean nutrition adequacy ratio (MAR) of the four groups. Results: There were significant differences by income group within the region of residence and the rate of skipping breakfast, lunch, and dinner. The low-income group had a higher rate of skipping breakfast, lunch, and dinner. According to the income group, there was a difference in the height of boys, and there was no difference in the weight and obesity of boys and girls. In the biochemical characteristics, only the hematocrit of girls showed differences by income group. The quantitative intake of energy and nutrients compared with KDRI differed by income group. There were differences in energy, carbohydrates, proteins, thiamin, riboflavin, niacin, and phosphorus levels in boys and protein, vitamin A, niacin, and sodium levels in girls. The qualitative intake of energy and nutrients examined using NAR and MAR also differed according to the income group. The NAR showed differences in calcium in boys and vitamin C and calcium in girls. The MAR revealed differences in both boys and girls by income group. Conclusions: Among adolescents in the low-income group, the rate of skipping meals was high, and the quantitative and qualitative intake of energy and some nutrients was low. It is suggested that the nutritional intake can be improved by lowering the rate of skipping breakfast, lunch, dinner. We suggest that even just providing breakfast in schools can be considered highly effective in improving the rate of avoidance of skipping meals and improving nutrient intake. Also, we suggest that it is necessary to improve the food environment, food availability, and food accessibility through national and social support for low-household income adolescents.

• 대한영양사협회학술지
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• 제14권4호
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• pp.337-350
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• 2008

The principal objective of this study was to assess the nutritional status and dietary quality in low-income elderly individuals residing at home (LH) or in health care facilities (LHCF) with dietitian. This study was conducted via anthropometric measurements, questionnaire interviews, and dietary surveys using a 24 hr recall method with 120 low-income elderly individuals (LHCF=46, LH=74). The average ages of the LH and LHCF group were 76.3 years and 78.6 years, respectively. The LH group evidenced a significantly higher frequency of skipping meals than the LHCF group. The average energy intakes of the LHCF and LH group were 1921.0 kcal and 1443.9 kcal, with a significant difference (p<0.001). Most of the nutrient intake and intake rates for recommended intake were significantly higher among the LHCF group as compared with the LH group. The LHCF group showed significantly higher values for the nutrient adequacy ratio (NAR), the mean adequacy ratio (MAR), nutrient density (ND), and the index of nutritional quality (INQ) by dietary qualitative estimation than in the LH group. The Korean diet diversity scores (KDDS) were 3.66 for LH group and 4.93 for the LHCF group, thus were significantly higher in the LHCF group than in the LH group. The results of the present study demonstrate that the LH group appeared to experience more dietary problems than the LHCF group. It was suggested that nutritional education is needed for low-income elderly individuals living at home, in order for them to learn proper dietary management. This can be achieved via educational programs in social welfare institutions, incentives toward employment as a dietitian, and implementation of community-based support.

• 가정과삶의질연구
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• 제16권3호
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• pp.79-94
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• 1998

The purpose of this study was to investigate the variables which affect the coping styles for stress which was produced by family resource management in housewives. The subjects of this study were 565 married women who lived in apartment in Taegu. A questionnaire was used as survey method. The data was analyzed by means of factor analysis, t-test ANOVA Scheffe test coefficient and multiple regression analysis. The main findings were as follows; First the coping styles for stress were found to be significantly different according to the objective resources. Second perceived adequacy resource is positively correlated with the active coping style. Third locus of control is negatively correlated with the passive coping style and the evasive coping style, Forth in the coping styles for stress the active coping style was affected by locus of control perceived adequacy resource income employment of housewives and the evasive coping style was affected by locus of control.

• 한국생활과학회지
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• 제13권6호
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• pp.903-915
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• 2004

Now in Korea, many factors-for example, unemployment rate rise, consumer prices, corporate restructuring, etc.-are threatening family economy. Thus many households are faced with an economic crisis. In this circumstances, it is the role of households as a subsystem of family system to keep family and household economy stable for the sake of family growth and development. Economic well-being is differentiated by criterion of household economic status. But it has a large scale of spectrum: household income, asset, consumption, debt and the like. Moreover, these indices have been understood and measured differently by many researchers. In this thesis, we made efforts to distinguish subjective satisfaction from objective satisfaction, and then focus on the former. The data were collected from 399 housewives living in Pusan through questionnaires.

• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.885-896
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• 2021

The general role of commercial banks is to provide financial services to the general public and business, ensuring economic and social stability and sustainable growth of the economy. Commercial banks play an important role in mobilizing and channelizing funds for investment activities. This study analyzes the impact of the key financial variables on the net profit of the selected commercial banks in Oman. The study employs times series panel data - cross-sectional analysis of the key financials of five leading commercial banks for a period of 13 years from 2007 to 2019. The results reveal that the correlation matrix of the selected variables has a positive relationship with net profit, assets, deposits, loans, and interest income. However, the findings also shows a negative relationship between net profit and net loans to total deposits ratio. The study found net loans is the main independent variable that influences the profitability of the banks since the key source of revenue comes from the lending operations. The assets, total capital adequacy ratio have a mixed effect on the profitability of commercial banks. The total deposits and capital adequacy ratio have a negative effect on profitability mainly because excessive liquidity will increase the cost of capital and reduce the return on investment. Focusing on lending operations with a sound credit portfolio will improve profitability.