การศึกษาการออมของบุคลากรมหาวิทยาลัยเชียงใหม่

Abstract

This independent study aimed at studying on savings of Chiang Mai University employees. Total 388 samples were collected by questionnaire. Descriptive statistics was used to describe savings behavior of Chiang Mai University employees. In addition, Multiple Regression Analysis was applied to analyze the factors affecting the savings. The results of the study on saving of Chiang Mai University employees showed that the number of male and female samples were equal. Most of them were under 30 years old, married, with a bachelor's degree, with 3 to 4 family members, working age of not over than 10 years, working at operation level, with about 15,001 to 25,000 baht per month income, average expenses under 10,000 baht per month and no medical expenses. For the saving behavior, the study found that most of them decided to save by themselves for emergency expenses. Savings were in the form of deposit accounts at financial institutions. Savings were on a monthly basis, not more than 5,000 baht from payroll deduction. The amount of savings was not in certain in each month. The study also found that the amount of income and expenses had the most important to the decision to save. For the analysis using multiple regression analysis. The study found that income and expenses had a significant relationship with savings that could be predicted by 66.0 percent at the significance level of 0.05. Ceteris paribus, if the monthly income increased by 1 Baht, the monthly savings would increase by 0.473 Baht and if the monthly expenses increased by 1 Baht, the monthly savings would decrease by 0.402 Baht.