금융역량과 자아존중감 그리고 금전관계 문제의 관계 분석:지역사회복지기관 이용자를 중심으로 = The Relationships among Financial Capability, Self-esteem and Money Relationship: Focusing on Community Center Users

다국어 초록 (Multilingual Abstract)

This study examined the relationships among financial capability, self-esteem and money relationship. For empirical analysis, the study conducted a survey of 429 users from 6 community center users in Seoul, Gyunggi and Chungnam areas in South Korea. Frequency analyses and structural equation modelling were carried out. The main findings are as follows: Firstly, household income had no statistically significant effect on the users' self-esteems. Second, the users' financial capabilities increased their self-esteem. Third, the users' money relationship problems lower their self-esteem. Fourth, the impact of financial capability on self-esteem was partially mediated by money relationship problems.

국문 초록 (Abstract)

이 연구는 지역사회복지기관 이용자를 중심으로 금융역량과 자아존중감 그리고 금전관계의 관계를 탐색하였다. 경험적 분석을 위해 서울, 경기, 충남의 지역사회복지관 및 지역자활센터 이용자 총 429명을 대상으로 설문조사를 실시하였다. 빈도분석과 구조방정식모형을 활용하여 분석을 수행하였으며, 주요 분석결과는 다음과 같다. 첫째, 소득수준이 지역사회복지기관 이용자의 자아존중감에 미치는 영향은 통계적으로 유의미하지 않았다. 둘째, 금융역량이 높을수록 자아존중감이 높았다. 셋째, 금전관계 문제가 심각할수록 자아존중감은 낮았다. 넷째, 금융역량이 자아존중감에 미치는 영향을 금전관계 문제가 부분적으로 매개했다.

참고문헌 (Reference)

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