This research was done on the basis of hypothesis that since it's easy for students to check amount of bankbook expenditure and recognize the size of it if they have their allowance bankbooks, they will design their allowance management and expenditure behavior and attitude. To find this, this surve...
This research was done on the basis of hypothesis that since it's easy for students to check amount of bankbook expenditure and recognize the size of it if they have their allowance bankbooks, they will design their allowance management and expenditure behavior and attitude. To find this, this survey was carried out for the middle and high students dwelling at Kwangyang and Sun cheon; they were asked whether their allowance bankbooks have influenced their allowance management and expenditure behavior and attitude This thesis is composed of the followings : In chapter Ⅱ, hypothesis that students with bankbooks are expected to manage allowance their and expenditure, was drawn from the theoretical ground using soft budget constraints and transactions monetary demand theory. In chapter Ⅲ, It presents a concrete set of hypothesis and research method to analyze the actual evidence that the allowance bankbook reserves has an effect on the allowance management and expenditure. Also it interprets analysis results of research data. From these analysis result, finally chapter Ⅳ deals with educational and political implicit meanings about economy and social studies education which the concrete facts taught in family and school present to form the desirable allowance management and expenditure behavior of the students. Since allowance given to the students is characterized by a typical soft budget in that the restriction of the money is not strict. Though parents give teens the allowance, they get additional money from the parents when the allowance is insufficient. But, Having the allowance bankbook compared to not having it resulted in much strong budget restriction According to transactions monetary demand theory, transactions monetary demand is decided by the income, interest and transactions expense. But in the case of students' allowance, the absolute sum is small and it is based on consumption therefore when deciding monetary reserves, it is expected that they rarely consider interest. However there is a probability that students' allowance management and expenditure can be influenced by inconvenience which students experienced through cash withdrawal. In spite of that, the research revealed there was no relationship between the inconvenience of cash withdrawal and expenditure behavior and attitude. In other words, students surveyed are aware of inconvenience of cash withdrawal but it was a rare case for them to withdraw all the money on savings account at one time. It is guessed that students who withdraw from the bank or ATM money, are not influenced by inconvenience, which is the negative feature of their allowance. Since most allowance given from the parents is not spent on indispensible expenditure, they maybe choose inconvenience caused by carring a large amount of cash, danger of robbery or lost, sublation of impromptu or planless allowance management and expenditure as opportunity cost, accepting its inconvenience accompanying cash withdrawal According to the research, it has shown that allowance management and expenditure behavior and attitude of most students surveyed was impromptu and planless. But allowance management reserves strengthened self-evaluation regarding reinforcement of fixed budget and allowance management and use, which brought about planned allowance management and expenditure behavior and attitude. allowance management and expenditure behavior and attitude conduct of the students, further the economic education which related to rational consuming conduct. Namely if the necessary education and appeal of allowance management and expenditure conduct actually turn into the conduct change of the students, they sympathize with this education and appeal, internalization of them and must be connected with the change of conduct. But the effect of this economic ethical education is note clear. Therefore, one of the most effective and easiest ways makes the students have the allowance bankbooks to form the reasonable abd planned economic attitude through students' allowance management and expenditure behavior.
This research was done on the basis of hypothesis that since it's easy for students to check amount of bankbook expenditure and recognize the size of it if they have their allowance bankbooks, they will design their allowance management and expenditure behavior and attitude. To find this, this survey was carried out for the middle and high students dwelling at Kwangyang and Sun cheon; they were asked whether their allowance bankbooks have influenced their allowance management and expenditure behavior and attitude This thesis is composed of the followings : In chapter Ⅱ, hypothesis that students with bankbooks are expected to manage allowance their and expenditure, was drawn from the theoretical ground using soft budget constraints and transactions monetary demand theory. In chapter Ⅲ, It presents a concrete set of hypothesis and research method to analyze the actual evidence that the allowance bankbook reserves has an effect on the allowance management and expenditure. Also it interprets analysis results of research data. From these analysis result, finally chapter Ⅳ deals with educational and political implicit meanings about economy and social studies education which the concrete facts taught in family and school present to form the desirable allowance management and expenditure behavior of the students. Since allowance given to the students is characterized by a typical soft budget in that the restriction of the money is not strict. Though parents give teens the allowance, they get additional money from the parents when the allowance is insufficient. But, Having the allowance bankbook compared to not having it resulted in much strong budget restriction According to transactions monetary demand theory, transactions monetary demand is decided by the income, interest and transactions expense. But in the case of students' allowance, the absolute sum is small and it is based on consumption therefore when deciding monetary reserves, it is expected that they rarely consider interest. However there is a probability that students' allowance management and expenditure can be influenced by inconvenience which students experienced through cash withdrawal. In spite of that, the research revealed there was no relationship between the inconvenience of cash withdrawal and expenditure behavior and attitude. In other words, students surveyed are aware of inconvenience of cash withdrawal but it was a rare case for them to withdraw all the money on savings account at one time. It is guessed that students who withdraw from the bank or ATM money, are not influenced by inconvenience, which is the negative feature of their allowance. Since most allowance given from the parents is not spent on indispensible expenditure, they maybe choose inconvenience caused by carring a large amount of cash, danger of robbery or lost, sublation of impromptu or planless allowance management and expenditure as opportunity cost, accepting its inconvenience accompanying cash withdrawal According to the research, it has shown that allowance management and expenditure behavior and attitude of most students surveyed was impromptu and planless. But allowance management reserves strengthened self-evaluation regarding reinforcement of fixed budget and allowance management and use, which brought about planned allowance management and expenditure behavior and attitude. allowance management and expenditure behavior and attitude conduct of the students, further the economic education which related to rational consuming conduct. Namely if the necessary education and appeal of allowance management and expenditure conduct actually turn into the conduct change of the students, they sympathize with this education and appeal, internalization of them and must be connected with the change of conduct. But the effect of this economic ethical education is note clear. Therefore, one of the most effective and easiest ways makes the students have the allowance bankbooks to form the reasonable abd planned economic attitude through students' allowance management and expenditure behavior.
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