Cognition and Behavior in Personal Financial Planning of People in Hatyai City
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Published:
Apr 21, 2019
Keywords:
Cognition in Personal Financial Planning Behavior in Personal Financial Planning Personal Financial Planning Personal Finance
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Abstract
This study aims to understand the cognition and behavior in personal financial planning of people in Hatyai city. The researchers used questionnaires to collect data on a sample of 400 participants. The statistics for data analysis were t-test ANOVA at a significance level of 0.05. The findings indicated that the highest area of knowledge across the sample related to personal savings. In addition, the moderate level of behavior across the sample related to personal financial planning behavior; revenue and expenses management behavior; and investment behavior. The hypothesis testing shown that people with different personal factors, which consist of gender, age, number of family members, number of dependents, level of education, career, average monthly income, and average monthly expenses, had different cognition in each category of personal financial except cognition of personal saving. Moreover, People with different cognition of personal financial planning, saving planning, personal tax planning and retirement planning had different behavior in each categories of personal financial planning. This research shows that organizations involved in providing personal financial planning knowledge should play a role in providing knowledge on debt management, investment, risk management, insurance planning, and personal tax planning. In addition, they should assist people who seek counselling, on the understanding that many factors can influence a person’s financial knowledge. This advice will allow people to use and apply financial knowledge effectively.
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How to Cite
Jirathumrong, P., Intara, P., Sangwichitr, K., & Mann, N. (2019). Cognition and Behavior in Personal Financial Planning of People in Hatyai City. WMS Journal of Management, 8(2), 1–17. Retrieved from https://so06.tci-thaijo.org/index.php/wms/article/view/184356
Section
Research Articles-Academic Articles
References
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Panich, V. (2012). kānčhatkān khwāmrū kap kānbō̜rihān rātchakān nǣo mai [Knowledge Management and New Public Administration]. Retrieved from https://www.opdc.go.th/ content.php?menu_id=4&content_id=622
Polwattanakul E.,& Runglertkrengkrai, S. (2007) sāhēt khō̜ng kān mai yư̄n bǣp læ chamra phāsī phān ʻinthœ̄net : kō̜ranī sưksā čhangwat Phuket [Causes of not Submission of Tax Payment by Internet : A Case Study of Phuket Province]. Journal of Management Sciences, 25(1), 1-11.
Prachachat. (2015). sanyān ʻantarāi pī sō̜ngphanhārō̜ihāsippǣt nī khrūarư̄an phung thayān chīat kāosip kō̜ kā tō̜ čhīdīphī [Dangerous Signal 2015 Rapidly Increased of Household Debt to 90% per GDP]. Retrieved from https://m.prachachat.net/news_detail.php?newsid=1422847533.
Prugsasri, P. (2014). patčhai khā tō̜pthǣn thī mī phon tō̜ prasitthiphāp nai kān padibat ngān khō̜ng phanakngān bō̜risat Sayām mækkhrō čhākat (Mahāchon) nai khēt Krung Thēp Mahā Nakhō̜n læ parimonthon [Compensation Factors Affecting to Performance of the employee, A case study of employee in Siam Makro Public Co., Ltd. Bangkok and Metropolitan area]. (Master’s Thesis, Sripatum University, Thailand).
Rueksantad, J. (2011). prīapthīap phrưttikam kān ʻō̜m khō̜ng phanakngān bō̜risat ʻēkkachon læ khārātchakān nai khēt Krung Thēp Mahā Nakhō̜n [Comparison on Saving Behavior between Private Company Officers and Government Officers in Bangkok]. Master Degree’s Thesis, Rajamangala University of Technology Thanyaburi.
Sangkae, C. (2005). kānlongthun [Investments]. (5thed.).Bangkok,Thailand:Thammasat University.
Sittipan, K. (2010). patčhai thī mī ʻitthiphon tō̜ kānwāngphǣn thāngkān sūan bukkhon khō̜ng prachāchon nai Krung Thēp Mahā Nakhō̜n [Factors affecting Personal Financial Planning of people in Bangkok]. (Master’s thesis, Bangkok University, Thailand).
Suebnaung, S. (2014). patčhai thī mī phon tō̜ kān kœ̄t ʻubattihēt khō̜ng phanakngān kō̜ranī sưksā bō̜risat nanyāng kā mēn čhamkat Krung Thēp Mahā Nakhō̜n [Correlated Factors of the Accients in Nan Yang Garment Co., Ltd. Bangkok] (Master’s Thesis, School of Social and Environment Development National Institute of Development Administration, Thailand).
Suksawad, W. (2015). kānsưksā khwāmrū khwāmkhaočhai khō̜ng phū sīa phāsī ʻākō̜n thī mī phon tō̜ thatsanakhati kān sīa phāsī ngœ̄ndai bukkhon thammadā khō̜ng kangān sanphākō̜n phư̄nthī Krung Thēp Mahā Nakhō̜n sipsām (khēt khlō̜ng tœ̄i) [Study of the Taxpayers’ Understanding of Personal Income Tax Affecting their Attitude Toward Tax Payment in Bangkok Revenue Department Area 13 (Klong Toei District)]. (Master’s Thesis, Siam University, Thailand).
Sungmake, S. (2010). khwāmrū khwāmkhaočhai kīeokap kān sīa phāsī ngœ̄ndai bukkhon thammadā khō̜ng prachāchon nai čhangwat Phuket [Knowledge and Understanding on People’s Personal Income Tax of the People in Phuket Province]. (Master’s Thesis, Ratchaphruek College, Thailand).
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