ผลกระทบของทักษะทางการเงินที่มีต่อสภาวะหนี้สินของข้าราชการครูและบุคลากรทางการศึกษา

Abstract

This present study seeks to examine the effect of the Financial Literacy on debts problems of Thai government teacher and education personnel. The Financial Literacy in this study consists of 3 components: Financial Knowledge, Financial Behavior and Financial Attitude. The sample group in this study is Thai government teacher and education personnel who registered in debt- reducing program with Office of the Welfare Promotion Commission for Teachers and Education Personnel. The quantitative questionnaire have been used to collect data from the sample group. The Multiple Regression Analysis revealed that the Financial Behavior had a negative effect on the current amount of debts but the Financial Knowledge and Attitude had no effect on the current amount of debts.