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 หัวเรื่อง:ไม่มีชื่อไทย (ชื่ออังกฤษ : Causal Factors Influencing Indebtedness of Undergraduate Students in Bangkok) ผู้เขียน: Phonphat Intaravorraphat,  ดร.สิรีรัตน์ เชษฐสุมน, อาจารย์ , ดร.ผ่องพรรณ ตรัยมงคลกูล, รองศาสตราจารย์ สื่อสิ่งพิมพ์:pdf AbstractHousehold debt has become a national crisis in Thailand. Among college students, it was found that student loan debt has increased in recent years. The situation is getting worse when the students are involved in non-student loan debt. This study investigated the causal factors influencing non-student loan indebtedness of undergraduate students in Bangkok. Using a multi-stage sampling technique, a sample size of 1,601 undergraduate students was randomly selected from five universities in Bangkok. A structural equation model was developed to explore the pattern of relationships among the aforementioned factors. As a whole, the amount of debt was positively influenced by expected future income after graduation, student expenditure, perceived utility of a bachelor's degree, consumerism behavior, attitude towards economic situation, financial stress, household income, attitude towards indebtedness, and student’s purchasing power (assets, total savings, and income), in rank order. On the other hand, the amount of debt was negatively influenced by competency on the Philosophy of Sufficiency Economy, the student's financial learning, savings per month, perceived utility of saving money, and financial management, in rank order. All these causal factors accounted for 41 percent of the variance explained by the amount of debt (R2= 0.41, p <.05). |
หัวเรื่อง:ไม่มีชื่อไทย (ชื่ออังกฤษ : Factors and Conditions Influencing Saving Behaviors of College Students: A Case Study of Suan Dusit Rajabhat University) ผู้เขียน:Phonphat Intaravorraphat, Phitcha Buayeam, ศาลินา วงษ์ไทย, Thiamphop Kanloung, ภูวน อุ่นจันทร์, Natagon Woraurai, Benyapa Phiphatpawan สื่อสิ่งพิมพ์:pdf AbstractThis research was conducted during the recession period of Thailand?s economy in the first quarter of 2010. A survey and follow up with in-depth and focus-group interviews were employed to explore factors and conditions that influenced the saving behavior of college students. A purposive sample was selected from Suan Dusit Rajabhat University. It was found that the factors and conditions influencing the saving awareness of the sampled college students were: 1) the family economic situation reflecting the microeconomic situation, 2) the macroeconomic recession reflecting future employment uncertainty for the students, and 3) future money capital demanded from present savings with negative attitudes toward indebtedness. It was further found that the factors and conditions influencing the real savings of the students were: 1) saving awareness and positive attitudes toward savings, 2) adequate level of personal income to support saving latency, 3) sufficient and regular amounts of money transferred from the student?s family to create financial management competency for the student, and 4) self financial management skills and experiences. In addition, financial knowledge is important for college students to maintain and increase their level of saving in the long run. |
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