ความรู้ทางการเงินและปัจจัยในการเข้าถึงแหล่งเงินทุนของชาวมุสลิมใน จังหวัดปัตตานี

Abstract

The purpose of this research was to Study of Islamic financial literacy and Islamic financial products of Muslims in Pattani Province, study the factors that influence Muslims' access to financial sources in Pattani Province and Suggest ways to access funding sources for Muslims in Pattani Province. The research was done on a sample of 420 residents of Pattani who practice Islam and are of legal age, all of them are over 20 years old. The binary logistic regression method was then used to analyze the data. The majority of the participants were female, with a bachelor's degree and religious education at the Mutawa Setah (5-7) level. They were mostly self-employed. The average monthly income is between 9,000 and 15,000 baht, with monthly costs of less than 9,000 baht. There were 312 samples in all who had access to finance (loanable) and 312 samples who did not (unloanable). According to McFadden R2 met goodness of fit, the model was able to predict with 80.24 percent accuracy in 108 examples of analysis of factors affecting Muslim people's access to financing sources in Pattani Province. At the.01 level, the likelihood-ratio chi-squared was statistically significant. The guidelines for accessing funding found that Relevant agencies must provide training on Islamic finance and finance, Public relations on financial or banking matters in which the Shariah principle is applied to provide services, Financial institutions should provide knowledge about writing a business plan and learn about Islamic finance and finance.