ปัจจัยที่มีผลต่อลูกค้าธนาคารเพื่อการเกษตรและสหกรณ์การเกษตร สาขาแม่ทะ จังหวัดลำปางในการจัดทำบัญชี ครัวเรือน

Abstract

The objective of this independent study is to investigate the factors affecting to the accounting of agricultural households of customer of Bank for Agriculture and Agricultural Cooperatives Maetha District branch Lampang Province. The data used in the study were collected from customers of Bank for Agriculture and Agricultural Cooperatives Maetha District branch Lampang Province. There were 240 customersattended to the project “Restore and develop profession” ofBank for Agriculture and Agricultural Cooperatives(BAAC) and the statistical results analyzedby using multiple regression analysis with method of ordinary least square. Independent variables of this study arehuman and society factor, household accounting comprehension factor,attitudeson doing household accounting. And dependent variables isdoing household accounting that measured from their different balances inThaweechok saving bank account before and after attending the project. After the project done,the results of the study shownthat human and society factor - the numbers of families,their accounting comprehension and attitudes on doing accounting have a significant positive relationship to their accounting. Therefore, the higher numbers of the families,the higherhousehold accounting comprehension factor and the higher attitudes on doing household account increase, the better they can do their own household accounting and their balances in Thaweechok saving bank account increased after attending the project. Butthe sub factors ofhuman and society factor - ages and incomes of families per year have a significantly negativerelationship to their accounting. As a result, the older ages and higher incomes of families per year they have, the less they do their own household accounting and the lower balances in Thaweechok saving bank they have.