ปัจจัยที่มีผลต่อการตัดสินใจออมในกองทุนการออมแห่งชาติของแรงงานนอกระบบในกรุงเทพมหานคร Factors Affecting Savings Decision in National Savings Fund of Informal Employees in Bangkok

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มงคลชัย จำรูญ
ธัญวรัตน์ สุวรรณะ

Abstract

The purpose of this research were as follows: (1) to study savings and investment of informal employees in Bangkok. (2) to study financial discipline of informal employees in Bangkok.and (3) to study factors affecting savings decision in National Savings Fund (NSF). Financial discipline include, saving discipline is a constant savings, and spending discipline is a cost-effective plan for spending. The sampling group is 402 informal employees in Bangkok. This research instrument was a questionnaire. This research has analyzed data by using percentage, frequency, mean, standard deviation, binary logistic regression. The research result found that the sample selected the most time deposit. Saving discipline, spending discipline and financial discipline were moderate. And found that 36 to 45 years old, number of family members, saving discipline and financial discipline have affect savings decision in NSF. at 0.05 level of significance.

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บทความวิจัย