농협 지역문화복지센터의 노인복지사업 개선 방안에 관한 연구

이종열 동국대학교 2008 국내석사

The present social responsibilities loaded on the Agricultural Cooperative that target the realization of welfare society require it to carry out its roles toward a cohesive social community as well as an economic one. Up to now, the rural welfare services of the agricultural cooperative have been provided under the support of the federation and individual programs of community association. However, those welfare services in Korea agricultural cooperative were driven with the character of the association's profit-making business in addition to the basic direction of its development-led plan. This come to be far from the attempt to improve the people's general social welfare of the community. Therefore, the agricultural cooperative, nowadays, try to improve the life quality of the rural people through a niche culture welfare work, enhance community culture welfare service function of the cooperation with the expansion of related facilities from which most rural people receive the benefits, and cultivate the community agricultural cooperative activities with total system operating the cultural welfare-related programs. To develop rural welfare up to the city level and to improve life quality of the rural people, the most important agent could believed to be the government. However, sloughing off a narrow view that the government should be responsible for rural welfare works fully, we need to have the attitude that the agricultural cooperative should have the more active responsibility for a part of those rural welfare programs. In this context, this study is intended to examine the current state of those welfare services of the agricultural cooperative and analyze social welfare programs, suggesting a new improvement scheme of rural people's welfare services, based on social survey on the desires for social welfare that the members of community agricultural cooperative want from the cooperative. To sum up, the agricultural cooperative needs to prepare the basis of promotion and support of its rural welfare services by relieving the law limits with the legal and systemic improvement plan for the expansion of the services. Further, the system of farm welfare services should be established by preparing the basis to realize those welfare services as a social welfare corporation. Also, it needs an enhancement of communitarianism spirit of the cooperative members along with the expansion of education program for members. Such education is considered to be most effective by conducting it in an in-service training institute within the cooperative. Community agricultural cooperative should take a leading part of rural welfare services in the Korean context, which requires its understanding the welfare desire of the member population regularly and adequately. It is also very important to stably secure the finance for those welfare service programs of the agricultural cooperative. For this, the cooperative should establish the welfare fund and support a certain part of the budget for the welfare services when government and community execute the budget.

농촌노인의 노인복지 실태에 근거한 지역농협의 노인복지사업방안 연구

이주권 공주대학교 대학원 2008 국내석사

The research examined and analyzed the living status of the rural elderly, their welfare needs and welfare programs carried out by regional agricultural cooperatives, and apart from the welfare programs carried out by central government and local autonomous governments, tried to come up with feasible welfare programs to be carried out by regional agricultural cooperatives, ultimately providing basic data regarding operation and revitalization of welfare programs as well as improved quality of life for the rural elderly through welfare enhancement for both the rural elderly and cooperative members. The study carried out a questionnaire survey of staffs charged with welfare affairs and cooperative members in 125 regional agricultural cooperatives of Chungcheongnam-do province, and, for analysis purpose, used 108 significant replies submitted by staffs and 141 replies by cooperative members aged 60 years old and more, ruling out insufficient replies. The tool used was a questionnaire written by researcher, and cross analysis was made through the statistical software of SPSS to produce frequency and percentage as follows. First, with regard to the living status of the rural elderly, only 3.5% was found to reside in the rural area for 10 years and less, while 96.5% for more than 10 years with 46.8% of them for 50 years more. Among the elderly aged 60 and more, those with annual income of less than 10million won accounted for 81.6%, proving that the majority of the elderly in the rural area are in an economic hardship, largely depending on the agriculture for their income source. What they find difficult to live in the rural area included; first, laborious farm work, second, lack of economic power, and third, health problems, which showed that the impending problems facing the elderly in the rural area were related to labor, economic problems and health, accompanied by the aging residents. In addition, in the survey of percentage distribution of who were aged 65 years old and more, and members of regional agricultural cooperatives, only 3.7% cooperatives replied that those aged 65 years and more were less than 30% of the total members, while 85.2% cooperatives replied that their members aged 65 years old and more were more than 40% of the total members. This shows that the rural area is a super-aged community, surpassing the ratio of aging population, 30.6%, published by the National Statistical Office (2007). Second, in the survey of the welfare status for the elderly in the regional agricultural cooperatives, it was found that 17.3% cooperatives did not even make a budget for the annual welfare programs for the elderly, and about half of members did not even recognize that the cooperatives have welfare business in their list of businesses along with 41.8% of them having participated in the welfare programs. In the satisfaction survey of those who participated in the welfare programs, 24.8% replied that they were satisfied with the programs, showing that there is much room for improvement in terms of budget planning, contents of welfare programs and quality of programs as a whole. Third, the difficulties faced by regional agricultural cooperatives to carry out welfare programs came mostly from the fact that the cooperatives were unable to prepare for welfare budget due to the vulnerable financial structure, poor recognition of the welfare programs for the elderly by top management of cooperatives and the staff’s lack of expertise needed to deal with welfare programs. Thus, the survey found that both internal and external assistance and self-help efforts need to be made. Fourth, the welfare programs preferred by the rural elderly were, similar to those of the preceding research, related to health, hobbies and leisure, and recuperation. The measures to revitalize welfare programs for the elderly by regional agricultural cooperatives included, among others, development of programs accessible at all times, home-staying welfare service and cooperation with the administrative agencies as well as assistance by NACF(National Agricultural Cooperative Federation) to make up for the losses sustained by regional agricultural cooperatives. Also included in the results of the research were a shift in management consciousness, publicity of welfare programs for the elderly and demand of welfare service by members of regional agricultural cooperatives. Based on the results obtained through research, it is proposed that measures in terms of both internal and external classification to revitalize the welfare programs for the elderly by regional agricultural cooperatives should be taken as follows. First off, in terms of internal measures to be taken, it is necessary to achieve the efficient management and active implementation of cooperative’s business to improve financial structure of the cooperatives. As seen in the results of research, many regional agricultural cooperatives can not perform welfare programs due to the insufficient budget allotted for the elderly. Making most of the diversity of welfare programs, a priority should be put on improvement of financial structure through all-out efforts by staffs and management alike. Next, a shift in management consciousness is needed. Top management of regional cooperatives need to afford a shift in their consciousness lest a number of the rural elderly suffer disadvantages of not enjoying welfare service resulting from the anachronistic practices pursued by management in the past who were behind the times and only followed the former ways of management. In addition, professionalism is needed to deal with welfare programs for the elderly. To solve the problems of work overload coming from holding additional jobs and lack of professional knowledge, the introduction and establishment of social workers who majored in social welfare is a must. The establishment of social workers along with utilization of internal structure could play a role to supplement the lack of workforce necessary to carry out the welfare programs. There are many kinds of internal structures organized within the agricultural cooperatives, and utilizing internal structure, taking into account the characteristics of each structure, will help revitalize the business of regional cooperatives and welfare programs at the same time. In terms of external measures to be taken, guidance and assistance by NACF accompanied by economic assistance is necessary. As a number of regional agricultural cooperatives are yet in a need of independent management basis, both guidance and assistance by NACF is necessary. Besides, the regional cooperatives have a limit to extend the scope and target members of welfare programs by themselves, it is necessary to cooperate with the local authorities. Moreover, organization such as confederation comprising regional agricultural cooperatives is necessary. If province or county regional cooperatives contribute to form confederation and conduct the welfare programs through employment of expert manager, systematic and technical management of welfare programs for the elderly will be made possible. 본 연구는 농촌 노인들의 생활실태와 복지욕구 및 지역농업협동조합의 복지사업 실태를 조사하고 분석하여, 중앙정부 또는 지방자치단체가 정책적으로 실시하고 있는 노인복지사업과 구별하여 각 지역농업협동조합에서 실천 가능한 노인 복지사업 방안을 강구하고자 하였으며, 궁극적으로 지역농업협동조합 구성원인 농촌 노인들의 복지증진을 통한 “삶의 질 향상”과 더불어 지역농업협동조합의 노인 복지사업 운영과 활성화의 기초자료를 제공하고자 하였다. 본 연구는 충청남도 농촌지역 125개 지역농업협동조합의 복지업무 담당직원과 조합원을 대상으로 설문 조사 하였으며, 응답자 중 직원 설문서는 유용한 108부만을, 조합원은 60세 미만과 불성실한 자료를 제외하고 141부를 분석 자료로 사용 하였다. 조사도구는 연구자가 작성한 설문서를 사용하였고 수집된 자료는 spss 통계 프로그램을 이용하여 교차분석을 하였으며 빈도와 백분율을 산출하여 다음과 같은 결과를 산출 하였다. 첫째, 조사대상 농촌 노인들의 생활실태는 3.5%만이 10년이하 농촌에서 거주하고, 96.5%는 10년 이상 농촌에 장기 거주하고 있으며 특히, 50년 이상 거주한 경우가 46.8%가 되었다. 60세 이상 농촌노인 중 연간소득이 1천만원 미만인 경우가 81.6%로 농촌노인의 대부분은 경제적인 어려움에 처하여 있으며 주 소득원은 농업에 의한 근로소득이 대부분이었다. 생활하면서 애로사항은 힘든 농사일이 첫번째였으며, 경제력이 부족하다는 지적이 두번째 건강문제가 세번째로 지적되어 농촌노인들의 가장 시급한 문제는 고령과 함께 수반되는 노동문제, 경제문제, 건강문제임을 알 수가 있었다. 아울러, 지역농업협동조합 구성원인 조합원 중 65세 이상 구성비 조사에서, 전체 조합원 중 65세 이상이 30%미만 이라고 응답한 경우는 단지 3.7%였고 40%를 초과한다는 지역농협이 85.2%로 조사되어 우리나라의 농촌지역은 통계청발표(2007) 30.6% 보다 높은 초 고령화 현상을 알 수 있었다. 둘째, 지역농업협동조합의 노인 복지사업 실태조사에서 연간 노인복지 예산을 편성조차 하지 않은 경우가 17.3%로 조사되었고, 조합원 중 농협에서 노인복지사업을 실시하고 있음을 모르는 경우가 절반정도 되었으며 노인복지 프로그램에 참여하여 본 경우는 41.8%에 지나지 않았다. 참여하여 본 응답자의 만족도 조사에서 28.4%만이 만족하다고 응답하여 지역농업협동조합에서 실시하고 있는 노인복지 사업은 예산편성, 사업실시 내용, 프로그램의 질 등 전반적으로 상당히 미흡한 상황으로 개선의 여지가 많이 있음을 본 연구결과로서 알 수 가 있다. 셋째, 지역농업협동조합에서 노인복지 사업을 실천하는데 있어 애로사항으로는, 손·익 구조가 좋지 않아 노인 복지 예산의 안정적인 조달이 어렵다는 것과, 경영책임자의 노인복지에 대한 인식부족, 복지담당직원의 겸직으로 인한 전문성 결여 등이 중점 지적되어 내·외부적인 지원과 자구노력이 필요하다는 결과가 산출 되었다. 넷째로, 농촌노인들이 선호하는 복지분야는 선행연구에서와 비슷하게 건강관련, 취미·여가관련 및 요양관련으로 조사되었다. 지역농업협동조합 노인복지사업 활성화 방안으로는 상시 이용할 수 있는 프로그램개발과 재가복지 서비스 및 행정기관과의 협조 등이 지적되었고 지역농업동조합의 손익문제를 보완하기 위하여 농협중앙회의 지원도 지적되었다. 아울러 내부적인 사항으로 경영자의 의식전환 및 노인 복지사업 홍보와 조합원의 복지요구 등도 지적되었다. 본 연구 결과를 근거로 농촌지역 노인복지를 위한 지역농업협동조합의 노인복지 사업 활성화방안에 대하여 농협 내·외부를 구분하여 제언을 하고자 한다. 첫째, 지역농업협동조합 내부적인 사항으로 손익구조 개선을 위하여 업무의 효율화와 적극적인사업 추진이 필요하다. 연구결과에서와 같이 많은 지역농업협동조합에서 노인복지 예산편성의 여력이 부족하여 노인복지 사업수행을 하지 못하고 있다. 사업의 다양성을 적극 이용하여 손익구조개선에 전 임·직원의 노력이 선행되어야 할 것이다. 둘째, 조합경영자의 의식전환이 필요하다. 과거의 업무만을 답습하는 경영방법과 시대감각을 느끼지 못하는 경영 책임자로 인하여 많은 수의 농촌 노인들이 복지 혜택을 받지 못하는 불이익이 없도록 지역농업협동조합 경영책임자의 노인복지에 대한 의식전환이 필요하며, 노인 복지업무의 전문화가 실현되어야 한다. 타 업무 겸직과 더불어 발생되는 업무과중 문제와 전문지식 부족현상을 해결하기위해서는 사회복지를 전공한 사회복지사 제도의 도입과 정착이 반드시 필요하다고 사료된다. 셋째, 지역농업협동조합 내부조직을 활용한 복지 서비스도우미 제도의 정착이 필요하다. 부족한 서비스 인력의 보충적인 역할을 내부조직을 활용하면 쉽게 수행할 수 있다. 농협에는 많은 종류의 내부조직이 구성되어 있으므로 각 조직의 특성을 고려하여 도우미로 활성화하여 활용하면 농협사업의 활성화 및 노인복지사업 활성화를 동시에 이룰 수 있다. 외부적인 사항으로는 농협중앙회의 경제적 지원을 동반한 지도·지원이 필요하다. 아직도 많은 수의 지역농업협동조합은 자립경영 기반이 부족하며 각종정보 등에 있어 지도·지원이 필요한 상황이므로 농협중앙회의 지원이 동반되어야 한다. 또한, 농촌 노인을 위한 복지사업의 범위와 대상자가 지역농업협동조합의 단독적인 힘으로는 한계가 있으므로 지방자치단체와의 협력이 필요하다. 아울러, 지역농업협동조합 연합조직의 구성이 필요하다. 도 또는 군단위 지역농업협동조합들이 상호출연하여 연합조직을 구성하고 전문인을 고용하여 운영한다면 체계적이고 기술적인 노인 복지사업이 실천될 수 있다고 사료 된다.

지역농협의 노인복지사업 활성화 방안에 관한 연구

김미경 조선대학교 정책대학원 2011 국내석사

In this study, rural economy, society, culture, welfare and overall, compact type part of the community in the rural areas can be integrated organization, The Regional Agricultural Cooperative Federation of the rural welfare division of welfare of doing business by limiting the role of The Regional Agricultural Cooperative Federation the elderly welfare senior project is redefining the future was to find ways to activate. Ultimately this is focused on the improvement of quality of life of the rural elderly who are members of The Regional Agricultural Cooperative Federation and providing the basic data of welfare business operations and enable rural elderly to provide the basic data. This studies were analyzed the elderly in rural areas related to welfare business with the domestic and foreign literature (professional publications, research papers, journals, research reports), and the necessary statistical data were cited published material through Statistics, Agriculture, Forestry and Fisheries, Ministry of Health and Welfare, National Agricultural Cooperative Federation, Rural Development and related (government) agencies and various media (newspapers, TV), etc. A summary of this study are as follows. First of all , the welfare business issues of The Regional Agricultural Cooperative Federation by the elderly are as follows. First, in the promoting rural welfare projects of The Regional Agricultural Cooperative Federation, rural tax support is minimal and laws that limited welfare of the rural participation of The Regional Agricultural Cooperative Federation or too much regulation of business information, are a lot. Second, the lack of professional manpower in The Regional Agricultural Cooperative Federation. In other words, the welfare department in the absence of The Regional Agricultural Cooperative Federation and expertise on staff welfare services are insufficient. Third, there are small budgets to promote welfare of the rural of The Regional Agricultural Cooperative Federation and do not provide financial resources reliably and are presented with financial problems, moreover, according to the financial autonomy of The Regional Agricultural Cooperative Federation financial management of rural welfare projects are different, because weak The Regional Agricultural Cooperative Federation can not afford to spend on welfare programs, the conflict between The Regional Agricultural Cooperative Federation and the members of Agricultural caused the problem. Fourth, the current The Regional Agricultural Cooperative Federation provide the elderly welfare services through the local agricultural service centers, but The Regional Agricultural Cooperative Federation, the supply of welfare beneficiaries and the rural Elderly do not communicate effectively with the problem of operational efficiency program, the limitation of the inhibition is also shown. Fifth, the elderly welfare business of The Regional Agricultural Cooperative Federation do not understand the needs of the elderly beneficiaries senior members properly, follow in accordance with the decision of government and CEO(President) of National Agricultural Cooperative Federation. Based on the above, the following issues in order to revitalize the elderly welfare services The Regional Agricultural Cooperative Federation are as follows. First, tax relief of facilities operating revenue for the union related to The Regional Agricultural Cooperative Federation promotion of the welfare business, a minimal regulation of The Regional Agricultural Cooperative Federation for an aging rural areas to participate in The Regional Agricultural Health and Welfare and free education of The Regional Agricultural Cooperative Federation. Second, install the welfare department and professional manpower is needed. Of course, the current each The Regional Agricultural Cooperative Federation run their Agricultural Culture and welfare centers, considering the rapid increase of the rural elderly population and aging population, more systematic and long-term plan with the department of the opening and placement Is required. Third, the ways to ensure financial support and a common fund for The Regional Agricultural Cooperative Federation of doing the welfare business should be made. Fourth, the elderly welfare programs of The Regional Agricultural Cooperative Federation led by the central government or National Agricultural Cooperative Federation should be out of the form regional supply system and have the characteristics of agricultural development with a personalized program and welfare program which is responded recipients' needs flexibly, depending on the circumstances of the elderly local custom application development services, rather than uniformly applied to all clients, recipients to respond flexibly, depending on the circumstances of the elderly local custom application development services are needed. Fifth, to understand the elderly needs of the elderly beneficiaries in the The RegionalAgricultural Cooperative Federation operations and to identify appropriate welfare services and the The Regional Agricultural Cooperative Federation CEO(President) of the rural welfare Improvement for the business mind set also needs.

농촌노인복지에 있어 농협의 역할에 관한 연구 : 농협노인조합원을 중심으로

김태균 한서대학교 정보산업대학원 2007 국내석사

본 연구는 농촌노인의 전반적인 생활실태를 파악하고 농촌노인의 의식을 조사하여 농촌지역농협이 농촌노인의 복지향상을 위한 방안을 규명하는데 연구의 목적이 있다. 이를 위해 농협의 노인조합원 120명을 대상으로 하여 2006년 8월 20일에서부터 9월 20일까지 설문조사를 하였다. 연구의 결과를 간단히 요약하면 다음과 같다. 첫째 대부분의 농촌노인들이 오래 동안 농촌에 거주하며 수도작 중심으로 생계를 꾸려가고 있으며 전체 노인 중 60%가 농업에 대한 만족도가 낮았다. 둘째, 농촌노인들은 요즘 청소년들이 노인에 대한 부양의식이 보통이거나 나쁘다고 인식하고 있으며 노후에 자녀와 따로 살기를 원하고 노인시설이용은 꺼리는 것으로 나타났다. 그리고 노후생활에 미치는 중요한 요인을 경제적인 요인과 건강문제 순으로 나타났으며 농촌노인 대부분이 여가시간을 마을경로당에서 주로 보내고 특별한 여가활동을 보이지 않았다. 농촌 노인문제 중 건강문제, 경제적 빈곤, 노인의 고독, 사회적 역할상실 순으로 나타나 노인의 4중고가 본 연구에서도 그대로 드러났다. 농촌노인이 가장 필요로 하는 복지시설은 의료시설이었고 가장 필요로 하는 서비스 또한 건강검진 및 질병의 상담으로 나타나 건강문제를 가장 큰 문제로 인식하고 있었다. 셋째, 농촌노인들은 농협의 복지사업에 대한 인지정도가 매우 낮았으나, 필요성에 있어서는 매우 필요하다고 인식하고 있었다. 농협에서 해야 할 복지후생사업으로 노인복지시설의 확충, 의료지원사업, 취약농가 인력지원사업, 순으로 나타났다. 그리고 농촌사회복지 전담부서의 신설과 인력확보가 매우 필요하다고 인식하고 있다. 본 연구결과를 토대로 농협의 농촌노인복지 활성화 방안을 제시하면 다음과 같다. 첫째, 농협이 농촌지역사회의 경제 사회 문화적 지역문화 복지센터로의 역할을 담당함으로서 이제는 농협이 조합원과 주민대다수가 노인들인 농촌노인복지를 위한 생활속의 각종 서비스와 편익을 제공해야 한다. 노인조합원과 지역사회고령자의 노인복지를 위한 재가복지서비스를 중심으로 한 노인복지사업을 실시해야한다. 둘째로 농업인의 노인복지사업에 대한 만족도 향상을 위해 농업인의 욕구를 정확히 파악하여 이에 대한 방향을 강구하고 실천하여야 한다. 농협은 노인조합원이 무엇을 원하고 있는지를 정기적으로 조사 및 연구를 실시하여 농촌노인복지사업의 장·단기적 계획을 수립하여 이를 실천해 나가야 한다. 셋째로 농협의 농촌노인복지사업관련 조직과 제도를 조속히 개선하여 노인복지 사업을 확대하여야 한다. 그러기 위해서는 노인복지 전담 부서를 설치하고 복지전문 인력채용이나 육성, 농협임직원의 지속적인 교육을 통한 복지마인드 향상 등을 서둘러야 한다. 넷째, 농협에서 실시하는 농촌주민 건강검진사업은 국민건강보험과 연계하여 좀 더 많은 사람이 건강검진의 혜택을 정기적으로 받을 수 있도록 사업을 할 필요가 있다. 농촌 의료지원사업은 농촌인구의 고령화예 따른 만성질환(관절염, 손발저림)을 감안하여 한방진료 및 물리치료를 확대하고, 방문·순회 진료를 확대할 필요가 있다. This study is to suggest a way to improve the welfare of the aged in rural communities by figuring out the overall actual living condition and the awareness of the aged in agricultural district. In order for the study, a questionnaire was given to 120 aged members of the Agricultural Cooperative Federationfrom Aug. 20, 2006 to Sep. 20, 2006. The result of the study is summarized below. First of all, most of the aged have lived in rural communities making their living by the rice farm management and the 60% of them showed lower level of satisfaction on farming. Second of all, the aged in rural communities thought that the teenagers today were normal or negative about supporting the aged, and did not want to live with children in their later lives while unwilling to use an elderly welfare facility. Also for a question about the significant factors that influence the life of the aged, they thought financial state and health were crucial, and the most of the aged spent their spare time in a hall for the aged rather than spending time having a special activity. Among the major problems of the aged, health problems, financial shortage, loneliness, losses of a social role were the raised problems in order, and such results of the study reveal prevailing problems of the aged in rural communities. In addition, what the aged need for their welfare was a medical facility, and the service they wanted was health examination and consultation for illnesses. Such need for welfare reflects a fact that the concern on health is the major problem for the aged. And third of all, the aged in rural communities showed low level of understanding on the welfare business of the Agricultural Cooperative Federation nonetheless, they thought the Agricultural Cooperative Federation was somehow responsible to improve the state of their welfare. About the welfare business that the Agricultural Cooperative Federation has to execute, they thought the expansion of welfare facilities for the aged, the business for medical support, and helping a farmhouse with manpower had to be done. Also, they clearly thought that creating an exclusive department and securing enough manpower in the Agricultural Cooperative Federation were also essential to enhance the welfare of the aged in rural communities. Based on the result of the study, several ways to revitalize the welfare of the aged by Agricultural Cooperative Federation in rural communities can be suggested for. First, by being a welfare center that represents economy, society, and culture of a local community, the Agricultural Cooperative Federation can provide various services and benefits in everyday life for the welfare of the aged in rural communities. In other words, the welfare of the aged has to be executed focusing on the in-home service for the aged members of the Agricultural Cooperative Federation and other aged population in rural communities. Second, in order to improve the satisfaction level regarding the welfare of the aged in the farming population, it is very important to understand the need of the farming population and find a solution on a raised issue. The Agriculture Association has to research and study regularly what the members want and improve the situation building short-term and long-term plans. Third, the Agriculture Association has to reform the organizational structure as well as its system rapidly that are related to the welfare of the aged in rural communities to expand the business. As a first step to do this, it is essential to create a department that does the exclusive work for the welfare of the aged in rural communities, nurture or employ an expert in the welfare of the aged, and educate the employees of the Agricultural Cooperative Federation to enhance the mind of welfare. And fourth, the business that the aged as well as more people can have a regular health check-up has to be executed and such work of health examination in rural communities can be correlated with national health insurance. The business of rural medical service should apply traditional herbal medical treatment as well as physical therapy for various chronic diseases (arthritis, benumbed hands and feet) that come along with the aging and it needs to provide more medical opportunity by visiting and touring for medical treatment.

농촌노인복지를 위한 지역농업협동조합의 역할에 관한 연구

김명수 공주대학교 대학원 2010 국내석사

Abstract A Study on the Role of Local Agricultural Cooperatives for Rural Welfare for the Elderly Kim Myung Soo Department of Social Welfare Graduate School, Kongju National University Supervised by Professor Seon Hee Mo This study is to identify the welfare needs of the rural elderly, and the perception of elderly welfare policy and to review what kind of elderly welfare services is required and to analyze the degree of welfare usage that is provided by the local agricultural cooperative located in rural areas and to find roles of local agricultural cooperatives to promote the welfare of the elderly. This study surveyed 65 years or older in Buyeo Gun and 352 copies out of 400 were collected by the help of employees of 16 local Agricultural Cooperative Divisions and finally 316 copies were analyzed. The main results of this study are as follows. First, the general characteristics of those surveyed are that man outnumbered woman by a ratio of 67.7% to 32.3%, age 65-69 was 45.3%, 43.7% was age 70-79, and 68% of the respondents lived for 60-79 years in Buyeo Gun. The agriculture, livestock related job was the most by 85.1 percent and 49.0 percent have an annual income of less than $ 1000. Second, 65.3% of rural elderly knew the local agricultural cooperative welfare services, 29.4% of them were using welfare services and 36.7% used it, 33.9% had no experience. This means effort to publicize the local agricultural cooperative services was insufficient. Among the welfare services, safe cooperation(insurance) for farmers was of 43.0%, followed by health diagnosis for members of regional agricultural cooperatives (21.2%). There were significant differences in the awareness of welfare services, user experience, and user satisfaction by the gender, level of education, health, income, and the union's position. Third, public health center ranked highest in the aspect of awareness, experience of use and willingness to use the welfare services. The more the elderly aware of the welfare services, the more they use and want to use it. However, the ratio of awareness such as the elderly welfare center, senior school, senior long-term care insurance, senior employment projects, elderly care services was 50% or so while the experience of use was 10% bit lower at around. The individual factors such as accessibility, convenience, difficulty of procedure, mobility, health, conditions, restrictions were assumed to cause that gap. However, 50-60% level of willingness to use appeared and it was higher than awareness. Fourth, among the necessary facilities to the rural elderly, nursing/healthcare facilities were the highest (45.0%), followed by recreational/educational facilities (26.2%), work facilities (16.9). Priorities of welfare policy that Buyeo Gun should promote included economic support (35.7%), employment projects (15.9%) that meant income guarantee was highly required, and care facilities, senior health special hospital was 15.3% that showed health and rural economy were major problems to the rural elderly. Fifth, feedback comments were reported high (60.6%) that local agricultural cooperatives welfare policies to the rural elderly should be in the fast expansion and in a major area of the elderly welfare, the expansion of programs for health promotion was high (39.2%). Providing more job opportunities for the elderly (27.1%) and the expansion of supporting business for agricultural management (20.6%) were important as the associative business between local agricultural cooperatives and local governments. They also responded that government's support for the fund to promote local agricultural cooperatives' projects for the welfare of the elderly in rural areas was seriously needed (79.5%). These opinions about the role of local agricultural cooperatives' differed according to how people use local agricultural cooperatives' welfare services. Finally, the rural elderly recognized that cooperation with related institutions and organizations, support of National Agricultural Cooperative Federation, support of facilities and events, public relations, and union president and the staff's attitudes were important to activate local agricultural cooperatives' welfare projects. Based on the results of this study, there are some recommendations for the roles of local agricultural cooperatives for the purpose of improving the welfare for the elderly in rural areas. First, rural union president and employees should understand the problems that the rural elderly currently face, recognize the needs for welfare, and change perception in order to carry on rural business. Second, for the cooperation with related institutions and organizations, local agricultural cooperatives should take the lead in welfare projects and make every effort to fund-raise for the projects on the basis of cooperation among rural agricultural cooperatives and to be in a more organized and systematic practice for the rural elderly. Third, the guidance of National Agricultural Cooperative Federation and the expansion of financial support are seriously needed. Most of agricultural cooperatives located in rural areas have not enough self-management foundations so the formation of regional organizations based on National Agricultural Cooperative Federation is needed to provide better welfare for the elderly. Forth, the placement of specialized social welfare manpower is necessary and programs for the rural elderly should be developed and conducted. ※ Key Words : Rural welfare for the elderly, Local agricultural cooperatives, Welfare needs, Awareness of welfare 국 문 초 록 농촌노인복지를 위한 지역농업협동조합의 역할에 관한 연구 김 명 수 공주대학교 대학원 사회복지학과 사회복지학전공 본 연구는 농촌노인들의 복지욕구를 파악하고, 노인복지정책에 대한 인식과 필요한 노인복지서비스는 무엇인지 검토하고, 농촌지역에 위치한 지역농업협동조합의 복지사업 이용 현황을 분석하고 지역농업협동조합이 지역의 노인복지 증진을 위해 노력하여야 하는 역할을 모색해보고자 하였다. 본 연구의 조사대상자는 부여군의 65세이상 노인으로 관내 16개 읍ㆍ면에 있는 지역농업협동조합 직원의 협조로 설문지를 400부 배부, 352부를 회수하여 최종 316부를 분석하였다. 본 연구의 주요 결과는 다음과 같다. 첫째, 조사대상자의 일반적 특성을 보면, 남자가 67.7%로 여자 32.3% 보다 많았으며, 연령은 65~69세가 45.3%, 70~79세가 43.7%이고, 거주기간은 60~79년이 68%, 40~59년이 18.0%였으며, 직업으로는 농업/축산업이 85.1%로 대부분 이었고, 연소득은 1,000만원 미만이 49.0%, 1,000~2,000만원 미만이 27.7%로 나타났다. 둘째, 지역농협에서 실시하는 복지사업을 알고 있는 농촌노인 조사대상자가 65.3%이며, 현재 이용 29.4%, 과거 이용 36.7%, 이용 경험이 없는 경우는 33.9%로 나타나 지역농업협동조합의 복지사업에 대한 홍보가 부족함을 알 수 있다. 이용 현황은 농업인안전공제(보험)가 43.0%, 조합원 건강진단 21.2% 순으로 나타났다. 농협사업 인지, 이용경험, 이용만족도는 성별, 학력, 건강, 소득, 조합원의 지위에 따라 유의미한 차이가 있었다. 셋째, 노인복지사업의 인지ㆍ이용ㆍ희망률을 보면 보건(지)소가 가장 높았으며, 대부분 인지율이 높은 경우 이용경험과 이용희망도 높게 나타났다. 그러나 인지율이 높은 반면 이용경험과 이용희망에서 상대적으로 큰 차이를 보이는 노인복지관, 노인대학/학교, 노인장기요양보험, 노인일자리사업, 노인돌봄서비스 등이 인지율은 50% 내외이지만 이용경험은 10% 전후로 낮은데 이는 접근성, 편의성, 이용절차의 어려움, 기동성, 건강, 조건제한 등의 개별적인 원인으로 추측된다. 그러나 이용을 희망하는 비율은 인지율보다 높아 50~60% 수준으로 나타났다. 넷째, 농촌노인에게 필요한 시설로는 요양/의료시설이 45.0%로 가장 높았고, 여가/교육시설 26.2%, 일자리시설 16.9% 순으로 나타났다. 부여군에서 최우선으로 추진하여야 하는 노인복지정책으로는 경제적 지원(35.7%), 일자리사업(15.9%)의 소득보장을 높게 지적하고 있었고 요양시설/노인전문병원 15.3%로 건강과 경제가 농촌노인에게 주요한 문제임을 보여주고 있다. 다섯째, 지역농협의 농촌노인복지 확대 의견에서는 빨리 확대를 바라는 의견이 높게 나타났으며(60.6%), 역점 노인복지 분야로는 건강 증진에 대한 프로그램 확대가 높았다(39.2%). 농협과 지방자치단체와의 연계사업으로는 노인일자리사업의 확대(27.1%)와 영농지원사업의 확대(20.6%) 비중이 높게 나타났다. 지역농협의 농촌노인의 복지사업을 추진하기 위한 재원 마련 방식으로는 정부의 지원이 절실히 요구되었다(79.5%). 이러한 농협의 역할에 대한 의견들은 농협 복지사업 이용특성에 따라 차이가 있었다. 마지막으로 조사대상 노인들은 농협의 복지사업 활성화를 위해서 관련기관 및 단체와의 협조, 농협중앙회의 지원, 시설 및 행사지원, 홍보, 조합장 및 임직원의 태도 등이 중요하다고 인식하고 있었다. 본 연구결과에 근거하여 농촌노인의 복지 향상을 목적으로 지역농업협동조합의 역할을 위한 제언을 하고자 한다. 첫째, 조합장 및 임직원들이 농촌노인 문제를 올바로 이해하고 복지사업의 필요성을 인식하여 지역단위 사업으로 실천할 수 있는 인식의 전환이 필요하다. 둘째, 관련기관, 단체와의 협조를 위하여 지역농협이 중심이 되어 지역사회의 협동조합간 협동을 바탕으로 기금을 출연하고, 보다 조직적이고, 체계적인 농촌노인 복지를 위한 실천이 이루어져야 한다. 셋째, 농협중앙회의 지도와 경제적 지원의 확대가 절실히 필요하다. 농촌 지역에 위치한 상당수의 지역농업협동조합은 자립경영기반이 충분치 못하므로 농협중앙회를 중심으로 지역단위 조직을 결성하여 보다 나은 노인복지를 위한 큰 틀의 복지사업이 이루어져야 할 것이다. 넷째, 전문화된 사회복지 전문 인력의 배치와 농촌노인을 위한 프로그램을 개발ㆍ실시되어야 한다. ※ 주제어 : 농촌노인복지, 지역농업협동조합, 복지욕구, 복지의식