Factors of Economics and Environmental Factors on Savings are Related to Behavior of Managing Personal Finances of Working People in Bangkok

Abstract

            This research study the purpose is to 1) To study the relationship between personal factors and financial planning group of people working in Bangkok. 2) To study the relationship between economic factors and savings behavior to manage personal finances of working people in Bangkok. The sample used in this study was a group of 400 people working in Bangkok. With Convenience sampling (Convenience sampling) the statistics used for data analysis were frequency, percentage, average, and standard deviation. For hypothesis testing used the chi square statistic.

            The research found that the sample of respondents, mostly females than males aged between 31-40 years, status divorced, employee career, education of Bachelor's Degree and have revenues 20,001-30,000 baht. And economic factors and environmental factors on the savings the sample is the most important factor to information with an average of 3.85, followed by the other factors with an average 3.73, followed by the economic factor with an average 3.71 and cognitive in personal financial management factors with an average 3.51.For the first hypothesis that gender, age, education, income per month no relation to the behavior in personal financial management. It also found that different careers have relation to the management of personal financial management in the objective of managing personal finance. In the second test the hypothesis that economic factors and environmental factors on savings no relation to the behavior in the channels in the preparation of financial plans of individual persons, the style of managing personal finances and the person with the most influence on personal financial management. It also found that economic factors and environmental factors on savings relating to the management have relationship with personal financial management purposes in the personal financial management purposes.