광주시 빈곤층의 가계구조에 관한 연구

A Study on the Households’ Financial Structures of Urban Low-Income Families

The purpose of this study was to figure out the urban low-income families’ financial structures for the household stability of urban low-income families and reasonable economic life. The objective of this study was to figure out the economic structures focused on analizing income expenditure, savings, debt, assets, etc. to suggest the desirable directions of family finance management of low-income families. For this study, 492 low-income families in Kwang-ju were interviewed and analyzed through the questionnares. Statistics used for data analysis were frequency distribution, mean, percentile, one-way ANOVA. The major findings were as follows: 1. Their monthly incomes were generally small. The important source of their monthly incomes was the labor income. But sometimes there were the financial aids from relatives or others. In particular, the ratio of their property incomes was very low. 2. They managed an unbalanced budget, as their monthly expenditures were more than their monthly incomes. And the important items of monthly expenditures were foods and housing. The culture and furniture costs were less important relatively. 3. It was found that the urban low-income families had very low savings and very high debts. In conclusion, the urban low-income families had a reck less budget structure. In low-income families, there needed more rational management, and social policies were required for them.