การวางแผนการเงินส่วนบุคคลของพนักงานระดับปฏิบัติการในอำเภอเมืองเชียงใหม่

Abstract

This independent study aimed to investigate the patterns of personal financial planning of operational employees-level in Mueang Chiang Mai District. The data were collected through the questionnaires from a total of 400 operational employees, aged 21-60 years, working in department stores, banks, and government offices in Mueang Chiang Mai District. Data analysis was undertaken by the descriptive statistics e.g. frequency, mean, and percentage. The study results of the patterns of personal financial planning of operational-level employees in Mueang Chiang Mai District showed that the respondents planned for most savings and investment, followed by the asset purchasing or possessing plan, debt plan, retirement plan, tax plan, employee benefit plan, and no plan, respectively. Upon the study of the patterns of personal financial planning and the variables, ages, average monthly income, and occupations, it was found that the asset purchasing or possessing plan, savings and investment, and tax plan would increase based on the ages due to the relation with increased income. With regard to the debt plan and the age, it was mostly found among the respondents aged 21-30 years due to a lower level of income, increasing the need for loans and debt planning, accounted for 54.4 percent. With respect to the savings and investment and the age, most of the respondents, aged 41-50 years, had more savings and investment than other age ranges due to their high income, enabling greater savings and investment than the early periods of working. Regarding the relation of the patterns of personal financial planning with the average monthly income, it showed that the respondents with their average monthly income exceeding 60,000 Baht would mostly have the asset purchasing or possessing plan. In terms of the debt plan and the average monthly income, it was mainly identified among the respondents with their income ranges between 45,001-60,000 Baht whereas most of their debts were leased cars or motorcycles, leased goods, and credit cards. Regarding the relation of the patterns of the employee benefit plan with the occupations, it was mainly found among the respondents as private employees, followed by the government employees, mostly due to the need for welfares from their employers. The results of this study disclosed that upon the increased ages of the samples, the monthly income was assumed to be higher and the debts would be likely to decrease until their retirement phase. The results were congruent with the personal financial planning concepts proposed by Gitman and Joehnk (2005), describing that the income would likely increase and decrease at the last stage of the cycle whereby the following phases of age would be fully planned in a continuous manner and the last stage of age was the retirement phase regarded as the time to gain the benefits from personal financial planning.