FINANCIAL PLANNING BEHAVIOR FOR RETIREMENT OF THE PERSONNAL IN RAJAMANGALA UNIVERSITY OF TECHNOLOGY TAWAN-OK, CHANTHABURI CAMPUS

Narinjong Wongaud, Siripa Wittayapornpipat
{"title":"FINANCIAL PLANNING BEHAVIOR FOR RETIREMENT OF THE PERSONNAL IN RAJAMANGALA UNIVERSITY OF TECHNOLOGY TAWAN-OK, CHANTHABURI CAMPUS","authors":"Narinjong Wongaud, Siripa Wittayapornpipat","doi":"10.60101/rmuttgber.2023.264328","DOIUrl":null,"url":null,"abstract":"The purposes of this research were to study the following: (1) Behavior (2) Factors affecting behavior and (3) Financial planning model for retirement of the personel at Rajamangala University of Technology Tawan-ok, Chanthaburi Campus. The total of 97 samples were collected. Using a purposive sampling. An important instrument used to collect data was the questionnaires. The researchers employed descriptive and inferential statistics, such as frequency, percentage, average, and standard deviation. and multiple regression analysis. The findings of the study revealed that the in retirement planning behavior, there is a preparation after retirement (83.33%), savings and investments in style of bank deposits (79.38%), no fixed proportion of savings (32.99%). The factors of preparing for retirement had the greatest impact on financial planning (3.51). The factors of current income size had the moderate impact on financial planning (3.22), The factors of Current cost size had the moderate impact on financial planning (3.15). The factors of debt burden had the low impact on financial planning (2.33). The factors of return from savings had the moderate impact on financial planning (3.12). The factors of the certainty of the expected income level after retirement had the moderate impact on financial planning (3.31). A found appropriate investment and savings model is associated with 1) Provident Fund 2) Government Pension Fund 3) cooperative stock and 4) set/ securities.","PeriodicalId":508629,"journal":{"name":"RMUTT Global Business and Economics Review","volume":"1242 ","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2023-12-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"RMUTT Global Business and Economics Review","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.60101/rmuttgber.2023.264328","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0

Abstract

The purposes of this research were to study the following: (1) Behavior (2) Factors affecting behavior and (3) Financial planning model for retirement of the personel at Rajamangala University of Technology Tawan-ok, Chanthaburi Campus. The total of 97 samples were collected. Using a purposive sampling. An important instrument used to collect data was the questionnaires. The researchers employed descriptive and inferential statistics, such as frequency, percentage, average, and standard deviation. and multiple regression analysis. The findings of the study revealed that the in retirement planning behavior, there is a preparation after retirement (83.33%), savings and investments in style of bank deposits (79.38%), no fixed proportion of savings (32.99%). The factors of preparing for retirement had the greatest impact on financial planning (3.51). The factors of current income size had the moderate impact on financial planning (3.22), The factors of Current cost size had the moderate impact on financial planning (3.15). The factors of debt burden had the low impact on financial planning (2.33). The factors of return from savings had the moderate impact on financial planning (3.12). The factors of the certainty of the expected income level after retirement had the moderate impact on financial planning (3.31). A found appropriate investment and savings model is associated with 1) Provident Fund 2) Government Pension Fund 3) cooperative stock and 4) set/ securities.
尖竹汶府塔万谷拉惹曼嘎拉理工大学学生的退休财务规划行为
本研究的目的是研究以下内容:(1)行为;(2)影响行为的因素;(3)尖竹汶府塔旺角拉贾曼加拉理工大学的退休财务规划模式。共收集了 97 个样本。采用目的性抽样。调查问卷是收集数据的重要工具。研究人员采用了描述性和推论性统计方法,如频率、百分比、平均值和标准偏差,以及多元回归分析。研究结果显示,在退休规划行为中,有退休后准备(83.33%)、银行存款式储蓄和投资(79.38%)、无固定比例储蓄(32.99%)。为退休做准备这一因素对财务规划的影响最大(3.51)。当前收入规模对财务规划的影响适中(3.22),当前成本规模对财务规划的影响适中(3.15)。债务负担因素对财务规划的影响较小(2.33)。储蓄收益因素对财务规划的影响适中(3.12)。退休后预期收入水平的确定性对财务规划的影响适中(3.31)。发现合适的投资和储蓄模式与 1) 公积金 2) 政府养老基金 3) 合作股票和 4) 集资/证券有关。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
求助全文
约1分钟内获得全文 求助全文
来源期刊
自引率
0.00%
发文量
0
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信