40대이상 중장고령층 여성의 배우자 존재유무 및 취업여부에 따른 가계경제적 특성의 차이 및 영향요인 분석

Abstract

This study investigated 40’s middle-aged women economic statue of household such as income, expenditure, deposit, assets, liabilities, arrests, insurances. It also investigated characteristics by differences of marital status and employment divided by group 1 to 4 (unemployed living alone women, employed living alone women, unemployed married women, employed married women). Further, it studied on the effects of factors on middle-aged women economic statue of household. The results are below. First, employed living alone women (group 2) had high value on earned income and unemployed living alone women (group 1) had high income from immovable. Employed married women (group 4) had high value on households’ total and incomes and expenditures, on the other hand, and unemployed living alone women (group 1) had high total deposits. Married women had high value on total income because of their partners but because they have more members on family, they have more expenditures, therefore, married women will have low value on total deposits than employed living alone women (group 2). Employed living alone women (group 2) had high value on income from immovable while employed married women (group 4) had low value. Employed living alone women (group 2) had high expenditure on liabilities and insurance fee. Second, by the result of regression analysis, young, college graduated, capital area habitant, small in kids, spouse-less, and employed women have high earned income. Young, college graduated, capital area habitant, large in kids, married, and employed women had high households’ total income. College graduated had high on financial income, income from immovable, annuity income, and capital area habitant had high on income from immovable. After all, Women’s employment differences was important factor on earned income and income from immovable, but it did not significantly affect on households’ total income, financial income, nor annuity income. Third, young, college graduated, capital area habitant, large in kids, employed women had high value on households’ total income and deposits. But who have a partner had high on households’ total income but low on deposits. Young, college graduated, capital area habitant women had high value on income from immovable, financial income, and debts. However, who do not have a partner had increases on income from immovable, and debts but who have a partner showed increases on financial income. Last, old aged women who are college graduated and employed had high pay interest on a public annuity. Young, employed women had high pay interest on private health insurance. After all, whether a woman is married or not, a woman’s employment had positive effects on insurance or annuity payment.