การเปรียบเทียบพฤติกรรมการออมเพื่อการวางแผนการเกษียณของกลุ่มประชาชนทั่วไป กับกลุ่มข้าราชการ A comparison of saving behaviors for retirement in general public and officials

Abstract

In this work, we aim at studying saving behaviors for retirement in general public and officials. For that, we conduct experiments on the population of Bangkok to investigate the relevancy of factors in saving behaviors. Specifically, the experiments are conducted on 600 populations containing both the general public and officials. They are chosen according to non-probability sampling, where our sampling approach is done randomly at multiple stages. Questionnaires about saving behaviors and management before retirement are used. The result shows that the correspondence index is 1.00 and the confidence value is 0.89. These values are measured by F-test and are reported allegorically.

Our experimental results reveals that the general public who have savings are: male, 31 – 40 years old, married, having 4 or more family members, having 1 child in custody, having income, and having average expense about 30001 or more. On the other hand, the officials who have savings are: female, 41 – 50 years old, married, having 4 or more family members, having no children, having income, and having average expense about 30001 or more.

Finally, we realize that an occupation (i.e. general publics and officials) does not influence saving behaviors. Indeed, they do savings but their saving limit might be different. On average, they can save 1000 – 5000 THB for each month and carry on for 1 – 5 years. Each occupation often performs saving with financial institutions and normally acquires information about money management tips from friends and families. Their saving purposes are also different. On the one hand, the general publics do savings for the education of their children. On the other hand, the official do savings for their future need, especially in emergency.