Factors Affecting Saving Behavior of The Members in Ubon Ratchathani Teacher Savings and Cooperative, Limited

Abstract

The purpose of this research is to study the factors that influenced the savings behavior of the members of the Ubon Ratchathani Teacher Savings Cooperative Limited and to compare personal and economic factors with the savings behavior of the members of the Ubon Ratchathani Teacher Savings Cooperative Limited. The sample group was ordinary members of Ubon Ratchathani Teacher Savings Cooperative Limited which consisted of 400 people. The research instrument was a questionnaire. The statistics used in the research were percentage, mean, standard deviation. Multiple regression analysis, t-test and F-test. It’s were found that factors affecting the saving behavior of the members of the Ubon Ratchathani Teacher Savings Cooperative Limited were cognitive aspects, physical appearance and marketing promotion. Comparison of factors affecting saving behavior of members of Ubon Ratchathani Teacher Savings Cooperative Limited was made and it is found that there is no difference when members with various status gave importance to knowledge and understanding. In term of Marketing Promotion and physical characteristics, the differences differ statistically at level 0.01. Members with different studies focused similarly on marketing promotion and physical characteristics. For cognitive aspect, the difference was statistically significant at the level 0.05. Members with monthly debt burdens with different cooperatives gave different importance to marketing promotion at the statistically significant level 0.01. In regard to physical and cognitive aspects, the difference was statistically significant at the 0.05 level, and the members with different monthly savings amount with the cooperatives were not different in terms of marketing promotion and physical characteristics. The cognitive aspects were significantly different at the 0.05 level.