• 대한가정학회지
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• 제28권3호
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• pp.87-103
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• 1990

The purpose of this study is to provide basis data to understand the urban housewives' assets management behavior. The result can be summarized as follows: 1. The more urban housewives were educated, the more they were satisfied with methods of assets management. So it turned out that the educational improvement of husbands and wives brought forth the satisfaction of their lives. From this result, we can conclude that more improved education is essential to us. 2. Specifically, age is an important factor of the reasons of assets management. Among housewives below 40 years old. the preparation for purchasing durable goods and more leisure was the main reason for assets management. Among housewives from 40 to 50, the preparation for expenditures of education and marriage of their children was the main reason. Among housewives above 50, the preparation for their retirement was the main reason. As results, we can notice that they don't make a long-range plan positively but they usually prepare expenditures for their seasonable needs. So we have to emphasize on educating them to make a long-range plan.

• 한국생활과학회지
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• 제15권6호
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• pp.999-1014
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• 2006

The purpose of this study were to develop a financial management educational program for college students and to evaluate the effect of this program. In order to achieve this aims, a fundamental work to select the educational contents was preceded with a survey of learners' needs, preceding studies. After choice of educational contents, learners' demands on how to manage the educational program was executed in advance. The participants in this study were 500 students, resulting in 460 with usable data. Second, reflection the above mentioned educational contents, a concrete financial management educational program was built. This program consists of 9 domains: financial planning, careers and income, consumer spending, credit use and Credit cards, Managing Taxes, investment planning, risk management and insurance, retirement and estate planning, contribution. The participants for this program implementation were 68 students. Third, to evaluate the effects of the financial management educational program, paired t-test was conducted in using the SPSS package. The result suggested that financial management educational program has a positive effect on financial knowledge, financial attitude and financial management behavior. Several implications based on the findings were suggested.

• 벤처창업연구
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• 제18권1호
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• pp.107-124
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• 2023

4차 산업혁명시대가 현대사회에 도래함에 따라 시대변화에 능동적으로 대처하고, 현재의 삶의 위기를 극복하기 위하여 직업전환을 꾀하거나 자기개발 및 노후 준비를 위한 성인학습자들의 창업에 대한 관심이 계속해서 증대되고 있다. 정부와 대학 등 여러 기관에서는 창업에 관심이 많아진 성인학습자들을 위하여 창업을 적극적으로 장려하는 정책을 추진하고 있다. 그러나, 제2차 대학 창업교육 5개년 계획(안)에 따르면 실습형 강좌보다 이론 중심의 창업교육이 대부분이며, 창업 이후의 고도화 교육지원 역량이 부족한 상황(교육부, 2018)이다. 성인학습자에게 창업교육 및 창업 환경 조성이 미흡하다는 문제점이 대두되어 창업교육이 성인학습자의 창업의지와 창업행동에 미치는 영향 관계에서 자기효능감의 효과를 실증적으로 규명하는 것이 본 연구의 목적이다. 연구대상은 성인학습자를 대상으로 2022년 9월부터 10월까지 온라인 설문조사를 실시였고, 총 207부가 수집되었다. 척도의 신뢰성을 검증하기 위하여 크론바흐 알파계수(Cronbach's α)를 산출하여 분석하고 측정하였다. 가설검증은 다중회귀분석 통계분석 방법을 사용하였고 SPSS 22.0 통계처리 프로그램을 이용하였다. 연구 결과, 첫째, 자기효능감은 창업교육에 유의한 영향을 미치는 것으로 나타났다. 둘째, 창업교육은 성인학습자의 창업의지에 유의한 영향을 미치는 것으로 나타났다. 셋째, 창업교육은 성인학습자의 창업행동에 유의한 영향을 미치는 것으로 나타났다. 넷째, 자기효능감은 성인학습자의 창업의지에 유의한 영향을 미치는 것으로 나타났다. 다섯째, 자기효능감은 성인학습자의 창업행동에 유의한 영향을 미치는 것으로 나타났다. 여섯째, 창업교육과 성인학습자의 창업의지 간의 관계에서 자기효능감은 매개 효과를 갖는 것으로 나타났다. 일곱째, 창업교육과 성인학습자의 창업행동 간의 관계에서 자기효능감은 완전매개 효과를 갖는 것으로 나타났다. 성인학습자들의 특성을 고려하여 다양한 교육방식 등을 적용하는 것이 필요함을 확인하였고 따라서 성인학습자들에게 본인들의 현장경험을 기반한 국내·외 창업 사례나 벤처기업 등의 경영관리의 전반적인 내용에 대해 실무적으로 학습하는 프로그램 또는 성인학습자들이 직접 창업을 구성하고 구상한 내용에 맞는 사업계획서를 작성하여 그 내용을 발표하고 토의하는 방식 등의 전문적인 창업교육을 위하여 지속적 개발이 필요하다는 시사점을 도출하였다. 또한, 창업교육을 통해 성인학습자들이 실제로 창업행동을 할 수 있도록 창업의지를 제고시키고 자기효능감을 심어주어 그들의 자기개발 또는 제2의 삶을 설계 할 수 있도록 지원체계를 만들어야 할 것이다.

• 유통과학연구
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• 제15권7호
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• pp.43-52
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• 2017

Purpose - This study investigates shopping behaviors and effects focusing on the seniors in 50s and 60s based on their buying satisfaction in online shopping. The study investigated causal relation between effects having influence upon online shopping behavior to give theoretical base on the use of online shopping. The study gave implications of consumption attitude of silver generation as well as senior consumers in aging society. Research design, data, and methodology - The subject was senior consumers who have experienced online shopping to be sensitive to the fashion and to have active and reasonable consumption pattern and to be active and to have positive value. Results - This study investigated the mediating effect on purchase satisfaction of the 50s and the 60s upon online shopping to examine online shopping use and effects. The subject was the ones in their 50s and 60s in Gyeonggi and Chungnam who had experienced online shopping. All of hypotheses of models at PLS analysis were supported. Conclusions - Both information innovation and self-satisfaction showed positive influence upon the ease of and also access of the use. In addition, the access to the use had positive influence upon the purchase intention in retailers' online shopping.

• 가족자원경영과 정책
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• 제18권3호
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• pp.61-77
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• 2014

Purpose of this study is to draw policy implications for family resource management's strategies and leisure culture revitalization to Korean baby-boomers. This study review leisure activities characteristics of Korean baby-boomers and find their characteristics' impact on leisure economy. This research analyzed with raw data of "National Research Leisure Activities 2012" in different methods: analysis of frequency, multiple regression analysis, Correspondence Analysis, and etc. As a result, compared to all age groups in Korea, Korean baby-boomers current participation in leisure activities is low, but their expense on leisure is high. Their leisure activities are varied from different genders to their incomes. Especially, baby-boomers, who are on high income, participate in wasteful leisure activities and their consuming behavior will be the mainstream of Korean leisure economy, so economy, which is aiming for baby-boomers, will be invigorated when the economy is more concerned with use values toward time. Particularly, preparing for the retirement of baby-boomers, further researches based on integrated family policy should be considered plans and efforts on encouraging active volunteer works and participation in leisure culture revitalization of Korean baby-boomers.

• 산업경영시스템학회지
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• 제32권1호
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• pp.130-136
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• 2009

Estimation of mortality behavior of a industrial property are useful for calculating depreciation and making management decisions relating to property. The common methods of computing depreciation require an estimation of service life, and some methods may require an estimate of life expectancy. Estimation of service life and life expectancy can be computed from a smoothed and extended life table of original life tables developed through life analysis techniques. Several actuarial techniques are available to construct a life table for depreciation application. Of these methods, the graphic approach and graduation by mathematical formula are the most widely used in the field of depreciation. A commonly used technique of smoothing and of extending the life table is to fit a lows type survivor curves to the observed retirement rate by the least square method. In this paper, estimates of depreciation rate based on directly observed data of the domestic petrochemical equipments are presented.

• Journal of Preventive Medicine and Public Health
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• 제39권3호
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• pp.221-228
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• 2006

Objectives: The purpose of this study was to shed further light on the effect of modifiable health behavior risk factors on dependence in activities of daily living, defined in a multidimensional fashion. Methods: The study participants were 10,278 middle aged Americans in a longitudinal health study, the Health and Retirement Survey (HRS). A multi-stage probability sampling design incorporating the effect of population sizes (Metropolitan and non-metropolitan), ethnicity (the non- Hispanic White, the Hispanic, and the Black), and age (age 51-61) was utilized. Basic Activities of Daily Living (ADL) were measured using five activities necessary for survival (impairment in dressing, eating, bathing, sleeping, and moving across indoor spaces). Explanatory variables were four health behavior risk factors included smoking, exercise, Body Mass Index (BMI), and alcohol consumption. Results: Most participants at baseline were ADL independent (1992). 97.8% of participants were independent in all ADL's at baseline and 78.2% were married. Approximately 27.5% were current smokers at baseline, and the subjects reported moderate or heavy exercise were 74.8%. All demographic characteristics and behavioral risk factors were significantly associated with the ADL status at Wave 4 except alcohol consumption. Risk behaviors such as current smoking, sedentary life style and high BMI at Wave 1 were associated with ADL status deterioration; however, moderate alcohol consumption tended to be more related to better ADL status than abstaining at Wave 4. ADL status at Wave 1 was the strongest factor and the next was exercise and smoking affecting ADL status at Wave 4. People who were in ADL dependent at Wave 1 were 15.17 times more likely to be ADL dependent at Wave 4 than people who were in ADL independent at Wave 1. Concerning smoking cigarettes, people who kept only light exercise or sedentary life style at Wave 1 were 1.70 times more likely to be died at Wave 4 than the people who did not smoke at Wave 1. Conclusions: All demographics and health behaviors at wave 1 had consistently similar OR trends for ADL status to each other except alcohol consumption. Smoking and exercise in health behaviors, and age and gender in demographics at Wave 1 were significant factors associated with ADL group separation at Wave 4.

• 가정과삶의질연구
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• 제24권1호
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• pp.55-69
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• 2006

This study has been performed to investigate group differences and determining factors of burnout of the workers in elderly living facilities. In this study, 131 male and female workers composed of social workers, health practitioners, and other management workers were selected among 23 retirement and nursing facilities in Korea between 2003 and 2005. They were asked about their socioeconomic background, working environment, and their perceptions on burnout in the working places. As for main dimensions of the burnout, there were three elements such as emotional weariness, diminishing personal accomplishment, and depersonalized behaviors. Particularly in this study, the depersonalized behaviors were defined as aggressive or rude verbal and behavioral outbursts from anger. As a result of this study, the following results were found: Most workers have medium level of perception on their commitment and burnout, but there. are some risk factors; newly married young workers were less satisfied or fairly rewarded with their job and as a result, they have significantly higher level of emotional weariness but lower feeling of personal accomplishments. In addition, they occasionality practiced aggressive or rude behaviors such as yelling, threatening, and physically harassing As for the influence of determining variables, long-time workers of long established facilities were more satisfied and less burnout. In addition, there are some impacts of job category; health practitioners were more burnout than social workers. In this study, suggestions are made as follows: first, guiding and settlement programs should be developed for the newly started young married workers, particularly at early stage of their career. Second, future aspects of facility visions should be guided for the workers, so that they are relieved from stressful routines without any future plan. Third, medical workers such as physical therapists and nurses should be further monitored for main reasons of increasing their stress.

• 가정과삶의질연구
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• 제28권1호
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• pp.159-174
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• 2010

The purpose of this study was to examine the health care expenditure of elderly single and elderly couple households whose head is more than 60 years old. The data analyzed for the study were Korean Retirement and Income Study(KRelS) conducted in 2007 by National Pension Corporation. The major finding of this study were as follows: First, the amount of health care expenditure of elderly single households was lower than that of elderly couple households. However, ratio of health care expenditure to total consumption expenditure of elderly single households was larger than that of elderly couple households. Second, the ratio of health care expenditure in consumption expenditure in this study was larger than the ratios in past analyse showed in the previous studies. Third, common factor affecting on health care expenditure of elderly single and elderly couple households was the existence of the family member with chronic disease or handicap. The health care expenditure of elderly singer households was influenced by income, gender and the ownership of national health insurance. The influence of income for elderly singer households seemed to be greater than for elderly couple households. The variables which affected health care expenditure of elderly couple households were age and housing tenure status. The amount and ratio health care expenditure were increased as the age increases. These results show that the health care expenditures for each groups varied according to socio-demographic variables and health-related behavior variables. It is suggested that there should be a discriminative health care policy for each elderly single and elderly couple households. In addition, the health care policy for the elderly households of which member has a chronic disease is certainly necessary. Especially a health care plan for the elderly single households with lower income is in need. For the elderly couple households, the priority group of health care policy would be the high age group.

• 보건행정학회지
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• 제21권4호
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• pp.511-526
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• 2011

This study aims at surveying how Koreans look upon and prepare for the age of longevity("age of 100 years") drawing near at hand, analyzing factors affecting such a perception and behavior. To this end, a telephone survey was launched for 1200 persons sampled to evenly comprise the young, middle-aged, and elderly groups. Our findings indicate that more Koreans looked upon the upcoming "age of 100 years" as a 'disaster' rather than a 'blessing.' The sense of combined uneasiness over the aged life being further elongated while they are unprepared for it, anxiety over maintaining health and so forth came into play. However, the better a person is prepared by way of health management, savings for retirement, preparation for leisure activities and employment for the later life, the more positively he or she looked upon the "age of 100 years". An analysis by group indicates that women rather than men, the elderly rather than the young, the less educated rather than the highly educated, the low-income bracket rather than the high-income bracket looked upon the "age of 100 years" more negatively. Under such circumstances, it is suggested that the nation's social system tailored to a life expectancy of 80 years should be readjusted, tailored to a 'longevity paradigm' and that to this end social systems should be reoriented toward the direction where 'healthy aging' and 'active aging' are fully supported.