학령기 어머니의 가계소득, 교육소비욕구 및 사교육비와 노후준비금 지출 간의 관계
Relationship of Income, Education needs, Private Education Expenses on Preparations for Old Age by Mothers of School-aged Children
The purpose of this study was to investigate the influences of household income, education needs, private education expenses and expenditures of preparation for old age for mothers of school-aged children and to discover the causal relationships among these variables. The subjects in this study were gathered from among 393 mothers living in Daegu with school-aged children from 8 to 19 years old and with wage-earner husbands. The research tool was a questionnaires which addressed the general characteristics of the subjects, household income, the scale of education needs, the scale of private education expenditures, the scale of perceived burden of private education, and the scale of expenditures of preparation for old age. In order to analyze the study data, factor analysis, and regression analysis using SPSS were used, and structural path analysis using AMOS was used. The main results of this study were as follow:First, the greater the household income, the greater the education needs. Second, household income and education needs had no significant influences on private education expenditures. Third, education needs and private education expenditures turned out to have significant effects on the perceived burden of private education expenditures. Fourth, expenditures of preparation for old age among mothers of school-aged children was influenced by the education needs, private education expenditures and perceived burden of private education expenditures. The household income of mothers of school-aged children had no significant influence on private education expenditures. Finally, education needs, private education expenditures and perceived burden of private education expenditures for mothers of school-aged children had a direct effect on the expenditures of preparations for old age. On the other hand, in mediating education needs, household income of these mothers had an indirect effect on expenditures of preparations for old age. The perceived burden of private education expenditures turned out to have the biggest total effect on the preparations for old age of mothers with school-aged children.
목차
〈Abstract〉 I. 서론 II. 이론적 배경 및 선행연구 고찰 III. 연구방법 IV. 연구결과 및 논의 V. 결론 및 제언 참고문헌
키워드
가계소득교육소비욕구사교육비노후준비금household incomeeducation needsexpense of private educationsexpenditure of preparation for old age