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논문 기본 정보

자료유형
학술저널
저자정보
저널정보
한국지역사회생활과학회 한국지역사회생활과학회지 한국농촌생활과학회지 제6권 제2호
발행연도
1995.12
수록면
137 - 149 (13page)

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초록· 키워드

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The first objective of this study is to examine the finanacial management practices of rural housewives. The second objective is to determine the effects of sociodemographic characteristics on financial management practices. The Deacon & Firebaugh's model of family resource management framework and previous studies were used to determine the effects, regarding age, income, number of family, education level, and farming/nonfarming as independent/input variables, and monthly saving and managerial behavior index as dependent/throughput variables. A sample of 179 rural housewives aged less than 60 was selected from Shihung-Si Gyonggi-Do Province.
Results showed that rural housewives more frequently did keeping bills, making purchase-list, and verifying purchase need than recording where money spent, making financial plan, and evaluating spending. With regard to household debt use, 60% of the sample had debt, the most borrower used debt for farming, 73% of borrowers paid for their debt behind the schedule, and the main source of borrowing was NACF(NongHyup). Using installment credit, the rural housewives mainly bought cosmetics, 25% of the sample had credit cards. Average debt was 6,070,000 won, and 81% of annual income. In terms of saving, 85% of the sample saved, and 23% of the sample lived with the money after save. The main reasons of saving were for education and marriage of children and emergency. The main saving institutions were NACF and NLCF(ChukHyup).
The regression showed that income was negatively associated with monthly saving, and age was identified as the positive determinants of managerial behavior index.

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Abstract

Ⅰ. 서론

Ⅱ. 선행연구

Ⅲ. 연구 방법

Ⅳ. 결과 및 논의

Ⅴ. 요약 및 결론

Ⅵ. 참고문헌

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