• 제목/요약/키워드: income-stability

검색결과 217건 처리시간 0.026초

중소기업 정책자금 지원이 중소.벤처기업 재무성과에 미치는 영향 - 중소기업진흥공단 정책자금 지원을 중심으로 - (The Effects of Policy Funds for Small and Medium Enterprises)

  • 채광기;윤병섭;하규수
    • 벤처창업연구
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    • 제6권3호
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    • pp.85-107
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    • 2011
  • 본 연구는 중소기업진흥공단으로부터 중소 벤처기업 정책자금 지원을 받은 중소 벤처기업의 수익성, 안정성, 활동성, 성장성 등 재무성과를 회귀분석 하였다. 1998년부터 2009년까지 중복 지원이 아닌 오직 1회에 한하여 지원받은 기업만을 대상으로 중소 벤처기업 정책자금을 지원받기 직전년도말 재무성과와 중소 벤처기업 정책자금을 지원받은 4년차 말 이후 재무성과를 회귀분석 하였다. 연구표본은 재무제표를 연속보유한 489개 업체 2,417개 재무제표이며, 재무성과 누계평균을 가지고 정책자금 효과와 그 인과관계를 분석하였다. 연구결과는 다음과 같다. 첫째, 정책자금을 지원받기 직전년도 말보다 정책자금을 지원 받은 4년차 말 이후 수익성, 안정성, 활동성, 성장성이 유의한 양(+)의 영향을 보여주고 있음을 발견하였다. 이는 정책자금 지원이 긍정적 재무성과를 가져오고 있음을 시사한다. 둘째, 성장성 지표인 총자산증가율은 매출액영업이익률에, 안정성 지표인 이자보상 비율은 총자산순이익률에 유의한 양(+)의 영향을 미치고 있음을 발견하였다. 이는 성장성 지표와 안정성 지표가 수익성에 영향을 미치므로 정책자금 지원이 이자를 보상할 여력을 증대시키는 등 재무건전성에 긍정적 영향을 미치고 있음을 시사한다. 셋째, 정책자금 지원방식, 정책자금 지원내용, 정책자금 지원규모, 업력, 종업원 수 등이 재무성과에 미치는 영향은 재무성과가 보여주는 종속변수에 따라 유의하게 나타나거나 유의하지 않게 나타났다. 이는 종속변수에 따라 유의성의 차이가 있음을 의미하며, 유의하지 않더라도 양(+)의 영향을 미친다는 일관성을 보여주고 있다.

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노동시장 참여 고령 1인가구의 직무만족 결정요인에 관한 연구 : 성별과 연령을 중심으로 (A Study on Determinants of Job Satisfaction Among the Old Workers Living Alone: Focused on Gender and Age)

  • 허준수;최성헌;김재란
    • 한국콘텐츠학회논문지
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    • 제19권9호
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    • pp.411-429
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    • 2019
  • 그동안 선행연구들에서 고령 1인가구를 대상으로 하는 직무만족도에 대한 연구는 매우 부족한 실정이다. 이에 본 연구에서는 노동시장에 참여하는 고령 1인가구의 직무만족도에 영향을 미치는 결정요인들을 분석하고, 성별과 연령에 따라서 인구 사회적 요인, 건강 심리적 요인 및 노동 관련 요인 등으로 구분하여 고령 1인 가구의 직무만족도를 분석하였다. 본 연구에서는 한국노동패널조사(KLIPS)의 18차 자료를 활용하였고 연구대상자는 55세 이상의 고령 1인 가구 총 308명을 대상으로 하였다. 연구결과 남성 고령 1인가구의 경우 행복, 조직몰입도 및 근로기간 등이 직무만족도에 영향을 미쳤지만, 그러나 여성 고령 1인가구의 경우는 연령, 행복, 조직몰입도 및 기술수준 등이 직무만족도의 결정요인이었다. 55세-64세의 경우 소득, 조직몰입, 고용안정성 및 근로기간 등이 직무만족도에 영향을 미쳤다. 65세-74세의 경우 교육, 조직몰입 및 기술수준 등이 직무만족도에 영향을 미쳤다. 75세 이상의 경우 교육과 행복 등이 직무만족도에 영향을 주는 요인이었다. 그리고 연령, 소득, 행복, 조직몰입도, 고용안정성, 근로기간 및 기술수준 등이 전체 연구대상자들의 직무만족도의 결정요인들이었다. 본 연구결과들을 바탕으로 독거 고령근로자의 직무만족도 향상을 위한 정책적 및 실천적 함의 등을 제언하였다.

가구주 근로유형과 가계저축: 예비적 저축행동 이론의 관점 (Householder's Working Type and Household Saving: A Perspective of the Precautionary Saving Behavior Theory)

  • 심영
    • 소비문화연구
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    • 제15권1호
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    • pp.93-118
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    • 2012
  • 본 연구는 예비적 저축행동 이론의 관점에서 가구주 근로유형이 가계저축에 미치는 영향을 분석하고, 근로유형별 가계저축에 미치는 영향 요인을 파악하고자 하였다. 실증분석 자료는 2009년도 한국복지패널조사(KOWEPS) 자료로, 가구주 근로유형이 상용직과 비상용직(임시직, 일용직, 공공근로)인 가계로 한정하여 2009년도 한국복지패널조사 가구 총 6,207가구 중 2,463가구를 본 연구의 실증분석에 사용하였다. 실증분석 결과, 가구주의 근로유형은 가계저축에 통계적으로 유의미한 영향을 미치는 것으로 나타났으나 예비적 저축행동 이론에서 제시하는 기대와는 일치하지 않았다. 즉, 상용직 가구주 가계가 임시직, 일용직 혹은 공공근로의 비상용직 가구주 가계보다 더 많은 예비적 저축을 하였고, 나아가 더 많은 예비적 자산을 축적하는 것으로 나타났다. 가구주 근로유형별 가계저축에 영향을 미치는 요인을 살펴본 결과, 가구주 근로유형별로 영향 요인 및 정도에 차이가 존재하기는 하였으나 주로 월평균 총소비지출, 부채 유무, 순자산, 빈곤 여부, 가구원수, 기초보장 유무가 유의미한 영향을 미치는 것으로 나타났다. 여기에서 특히 주목할 만한 것은 예비적 저축에 대한 기초보장의 정적 영향이었다.

이공계 대학생의 대학생활 경험과 취업의 질 : 성별차이를 중심으로 (Does College Experience Effect Job Quality Of Science And Engineering Graduates? -Focusing On Gender Gap)

  • 신하영;문보은
    • 공학교육연구
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    • 제20권5호
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    • pp.59-73
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    • 2017
  • This study aims to examine whether a gender works to make the difference on the university experiences of natural sciences and engineering major students; and the income and quality gap between the graduates. In this study, university experiences means job market and job searching related experiences such as job fair attending, The main research questions are as follows; fist, what are the significant university experiences related job preparation and application, and is there a gender gap on those experiences? Second, how is the job market performance of the national sciences and engineering graduates for their income level and quality job, and is there a gender gap on the job market performance of the sample? Third, which variables among the university experiences for job searching and application impacts the job quality and income level of the natural sciences and engineering graduates? To find out the research results, this study conducts a panel data analysis with GOMS (Graduates Occupational Mobility Survey) throughout survey year of 2006 to 2015, towards 568,264 as weighted value number. As analysis methods, this study carries out a descriptive analysis, ANOVA, discriminant analysis, linear regression and T-test. Therefore, here are the brief outputs of the study; first, for natural sciences and engineering students, the off-campus experiences such as job fair, job recruit festival and internship programs are more favored; second, female students are more likely to attend personal and self-driven job preparation programs; third, on job market performance, the graduates' income level and company scale rate are higher in the male but job stability is higher in the female; fourth, as a result of the linear regression, gender factor decides the income level in considerable degree; additionally, gender factor shows the difference of the job satisfaction and self-effectiveness on one's job as a qualitative variables. For obtaining strictness, university program factors are controlled through model fitness process. As above, this study finds out the main factors of university life of natural sciences and engineering graduates which are related their job searching and preparation experiences and figures out stronger factors in job market; and examines the statistically significance of the gender in this casual-effect relationship between job preparation and job quality of the graduates.

식량 안정생산기술의 전망 (Prospects of Stable Production Technologies for Food Crops)

  • 채제천;강양순;이영호;남중현
    • 한국작물학회:학술대회논문집
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    • 한국작물학회 1999년도 추계 학술대회지
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    • pp.102-144
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    • 1999
  • The major problems of food crop cultivation in Korea are low yield of most crops except rice. inefficient cultivation techniques for aged farmers. and low international competibility. Therefore, development of cultivation techniques of food crops should aim the yield. quality improvement, labor reduction and production cost. The primary issue for increasing the yield of soybean, barely and wheat is to reduce the yield gap between the farmer's yield and recommended ones of experiment station. More advanced cultivation techniques needs to be developed. and/or the conventional breeding methods to be reconsidered. The newly developed labor-saving mechanized technique needs to reduce labor hours , and the cost of agricultural implements and machineries. In other words the labor-saving mechanized technique should be developed based on the improvement of total farming system as well as systemic fundamental innovation of cultural methods. The efficiency of solar energy use in food production of Korea in 1997 is as low as $0.52{\%}$ so there is much room to increase yield. It is recommendable that the concept of food Production should be changed to energy Producing efficiency Per unit area basis from volume and weight of food materials. Moreover, introduction of resonable cropping system is needed to increase yield of main crops, farmer's income, solar energy use efficiency, and decrease of land service expenditure. Current cropping system emphasized on economic crops. especially in vegetables , is not desirable for resonable use of arable land. stability of agricultural management and staple food crop self-sufficiency ratio. It is desirable to increase food crops . that are energy of carbohydrate and protein rich and land dependent crops. in cropping system. And the agronomist should develop the cultural methods to replace food crops for food self-sufficiency and stable farming management instead of economic crops in current cropping system. Low-input and environmentally-sound crop cultivation techniques, especially nitrogen-reducing culture technique which is directly related to food crop quality, also needs to be developed urgently. The extended cultivation of corn in upland and barely and wheat in lowland as a feed stuffs is recommended to prevent further decrease of food self-sufficiency ratio, which is mainly caused by the high reliance on imported feed grain. It is also considered that the calculation and presentation methods of standard agricultural income needs to be improved. The current calculation method uses unit land area of 10a regardless of crop kinds , characteristics of agricultural management and cultivation scale. So, it is apt to lead misunderstanding of farm income value. Therefore. it should show an income of average farmers for certain number of years. Research and developing system for food producing is not desirable because they are conducted currently individual crop and mono-culture basis. But actual agricultural income is usually earned by cropping system including upland and lowland. For example. the barley and wheat is usually cultivated in double cropping system. The cooperation among research institutes such as university agribusiness. government and farmers is indispensible. The public information and education on importance and consumption habit of food crops is necessary in Korean society to increase food self-sufficiency through nationwide cooperation.

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중·고령층 고용변화 추이와 고용안정성이 탈빈곤에 미치는 영향 (Labor Transition of Middle-aged and Elderly and the Effects of Perceived Job Stability on Poverty Exit)

  • 강성호;조준용
    • 한국콘텐츠학회논문지
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    • 제16권2호
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    • pp.231-242
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    • 2016
  • 본 연구는 고령화연구패널조사(KLoSA)를 활용하여 중 고령층의 연령대에 따른 고용변화 특성을 종단적으로 분석하고, 고용안정성의 탈빈곤 효과를 추정하였다. 연구 결과 현재의 중 고령층은 조기퇴직 등으로 인해 50대 중반 이후 급격한 고용불안을 경험하며, 이후 재취업이 어려워 향후 노후소득보장 측면에서 위험이 큰 집단으로 나타났다. 특히 시간이 지날수록 중 고령층의 고용불안이 심화되고 있으며, 고령일수록 고용상 지위가 악화되는 것으로 나타났다. 로짓분석을 활용하여 중 고령층이 인지하는 고용안정성이 탈빈곤에 미치는 영향에 대해 분석한 결과, 65세 이상의 고령자보다 조기퇴직이 시작되는 55세 전후에서 경험하는 고용안정성이 가져오는 탈빈곤 효과가 큰 것으로 나타났다. 이는 퇴직 전에 충분한 노후준비를 갖추는 것이 무엇보다 중요함을 의미한다. 이러한 측면에서, 단계적인 정년 연장, 중 고령층에 대한 일자리 대책, 부처간 사업의 통합 및 일관성 확보, 연령 및 특성에 맞춘 맞춤형 고용-복지 연계제도의 도입에 대한 적극적인 정책적 고려가 필요하다.

e-비즈니스가 경영성과에 미치는 영향 -홈쇼핑을 중심으로- (The Effects of e-Business on Business Performance - In the home-shopping industry -)

  • 김세중;안선숙
    • 경영과정보연구
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    • 제22권
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    • pp.137-165
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    • 2007
  • It seems high time to increase productivity by adopting e-business to overcome challenges posed by both external factors including the appreciation of Korean won, oil hikes and fierce global competition and domestic issues represented by disparities between large corporations and small and medium enterprises (SMEs), Seoul metropolitan and local cities, and export and domestic demand all of which weaken future growth engines in the Korean economy. The demands of the globalization era are for innovative changes in businessprocess and industrial structure aiming for creating new values. To this end, e-business is expected to play a core role in the sophistication of the Korean economy through new values and innovation. In order to examine business performance in e-business-adopting industries, this study analyzed the home shopping industry by closely looking into the financial ratios including the ratio of net profit to sales, the ratio of operation income to sales, the ratio of gross cost to sales cost, the ratio of gross cost to selling, general and administrative (SG&A) expense, and return of investment (ROI). This study, for best outcome, referred to corporate financial statements as a main resource to calculate financial ratios by utilizing Data Analysis, Retrieval and Transfer System (DART) of the Financial Supervisory Service, one of the Korea's financial supervisory authorities. First of all, the result of the trend analysis on the ratio of net profit to sales is as following. CJ Home Shopping has registered a remarkable increase in its ratio of net profit rate to sales since 2002 while its competitors find it hard to catch up with CJ's stunning performances. This is partly due to the efficient management compared to CJ's value of capital. Such significance, if the current trend continues, will make the front-runner assume the largest market share. On the other hand, GS Home Shopping, despite its best organized system and largest value of capital among others, lacks efficiency in management. Second of all, the result of the trend analysis on the ratio of operation income to sales is as following. Both CJ Home Shopping and GS Home Shopping have, until 2004, recorded similar growth trend. However, while CJ Home Shopping's operating income continued to increase in 2005, GS Home Shopping observed its operating income declining which resulted in the increasing income gap with CJ Home Shopping. While CJ Home Shopping with the largest market share in home shopping industryis engaged in aggressive marketing, GS Home Shopping due to its stability-driven management strategies falls behind CJ again in the ratio of operation income to sales in spite of its favorable management environment including its large capital. Companies in the Group B were established in the same year of 2001. NS Home Shopping was the first in the Group B to shift its loss to profit. Woori Home Shopping has continued to post operating loss for three consecutive years and finally was sold to Lotte Group in 2007, but since then, has registered a continuing increase in net income on sales. Third of all, the result of the trend analysis on the ratio of gross cost to sales cost is as following. Since home shopping falls into sales business, its cost of sales is much lower than that of other types of business such as manufacturing industry. Since 2002 in gross costs including cost of sales, SG&A expense, and non-operating expense, cost of sales turned out to have remarkably decreased. Group B has also posted a notable decline in the same sector since 2002. Fourth of all, the result of the trend analysis on the ratio of gross cost to SG&A expense is as following. Due to its unique characteristics, the home shopping industry usually posts ahigh ratio of SG&A expense. However, more than 80% of SG&A expense means the result of lax management and at the same time, a sharp lower net income on sales than other industries. Last but not least, the result of the trend analysis on ROI is as following. As for CJ Home Shopping, the curve of ROI looks similar to that of its investment on fixed assets. As it turned out, the company's ratio of fixed assets to operating income skyrocketed in 2004 and 2005. As far as GS Home Shopping is concerned, its fixed assets are not as much as that of CJ Home Shopping. Consequently, competition in the home shopping industry, at the moment, is among CJ, GS, Hyundai, NS and Woori Home Shoppings, and all of them need to more thoroughly manage their costs. In order for the late-comers of Group B and other home shopping companies to advance further, the current lax management should be reformed particularly on their SG&A expense sector. Provided that the total sales volume in the Internet shopping sector is projected to grow over 20 trillion won by the year 2010, it is concluded that all the participants in the home shopping industry should put strategies on efficient management on costs and expenses as their top priority rather than increase revenues, if they hope to grow even further after 2007.

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남·녀 고등학생의 성격특성과 의복태도 (The Personal Characteristics and Clothing Attitude on High School Students)

  • 정정렬;김구자
    • 한국의류산업학회지
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    • 제5권3호
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    • pp.251-259
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    • 2003
  • The young casual wear market has been recently increased by the great buying power of the target consumers, although they don't have their own discretionary income. The purpose of this study was to investigate clothing attitudes of the adolescent consumers of the young casual wear market according to the groups of personality types. The questions on introversion/extroversion of MBTI test were adopted to measure introversion/extroversion in personal characteristics. The questions in "The personality diagnosis of high school students" developed by Lee, Chongseung and Chung, Bummo were adopted to measure stability, dominance, sociability and autonomy. Variables of clothing attitudes were composed with attentiveness, modesty and conformity. A total 488 high school students in Seoul participated in the survey. SPSS Win 10 statistical package was used to analyze the data: frequency, t-test, ANOVA and factor analysis. After statistical analysis, the following results were found. Groups of introversion and extroversion, and groups of low, medium and high degree of stability, dominance, sociability and autonomy showed no significant difference based on sex difference and school types. Students who has a high extroversion showed a high degree of attentiveness in clothing attitudes. Students who has the lowest sociability and the lowest autonomy showed a high degree of attentiveness. Students with the lowest autonomy showed a high degree of conformity. The younger the students were, the higher their attentiveness and modesty in clothing attitudes.

학교급식 친환경농산물의 가격실태 분석과 시사점 -충남 친환경 학교급식을 중심으로- (Price Realities and their Implications of Environment-friendly Agricultural Products for School Food Service - Focused on the Chungnam-Do Case -)

  • 김호
    • 한국유기농업학회지
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    • 제28권4호
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    • pp.491-504
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    • 2020
  • School food services using environment-friendly agricultural products (E.F.A.E) have been promoted by school food service center (S.F.S.C) of each county in Chungnam. Since Dangjin S.F.S.C was established for the first time in 2011, 13 S.F.S.Cs have been established in 13 counties of Chungnam. 9 S.F.S.Cs of them have been managed directly by each county and 4 S.F.S.Cs of them managed by contracted cooperatives. Price deviation of 8 foodstuffs (rice, radish, spinach, cabbage, scallion, onion, garlic and potato) which are consumed much relatively was showed differently by counties. And in the average price of 8 foodstuffs, that of foodstuffs produced within the county was lower than that of produced in Chungnam and domestic. Also, the coefficient of variation of school foodstuffs was lower than that of retail market because S.F.S.C has procured school foodstuffs by contract cultivation between each S.F.S.C and producers. Contract cultivation effected on E.F.A.E price stability and producers' farm income.

How Businessmen Improve Their Economic Stability and Quality of Life after Retirement

  • SEO, Kyeong-Sook;KIM, Jae-Tae
    • 산경연구논집
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    • 제13권12호
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    • pp.23-31
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    • 2022
  • Purpose: This research is to answer the following research questions because of the importance of learning how retired businesspeople increase their financial security and quality of life. (1) how does an entrepreneur contribute to economic development? (2) what types of investments are performed by businesspeople after retirement? (3) how entrepreneurial financial attainment capacity and anticipated net income after retirement are related? Research design, data and methodology: This research has conducted the qualitative analysis (QCA) using the current literature review. In the traditional positivist research paradigm, the quality of research is evaluated based on issues of validity, reliability, and objectivity. Contrary to the positivist approach, QCA focuses on the underlying meaning of the data. Results: This research found that finance management is increasingly challenging for businesspeople. The solutions based on the literature investigation suggest four categories. (1) Planned spending and revenue allocation, (2) Investing in the stock market, (3) Create a culture of saving, (4) Get Informed. Conclusions: This research puts forth a model to describe the connection between an investor's financial achievement potential and their desired net profits in retirement. The results of this study support the idea that the ability to achieve financial success as an entrepreneur has a salutary effect on the amount of money saved for retirement.