Financial Literacy of New-Generation Teachers

Abstract

This study aimed to examine the level of financial literacy and classify the financial literacy levels among new-generation teachers. The sample consisted of 280 assistant teachers and level-one professional teachers in schools under the Bangkok Office of the Basic Education Commission (OBEC). A stratified random sampling method was employed. The research instrument was a financial literacy assessment adapted from the 2020 Thai Financial Literacy Survey and the 2022 draft questionnaire developed by the Bank of Thailand. Data were analyzed using descriptive statistics, including mean, standard deviation, coefficient of variation, skewness, and kurtosis. The results revealed that: 1) the overall financial literacy level of new-generation teachers was relatively good (M = 62.20). Specifically, both basic and advanced financial knowledge were at a moderate level (M = 56.40, SD = 2.58; M = 59.25, SD = 4.49), financial attitude was at an excellent level (M = 93.33, SD = 0.57), and financial behavior was at a good level (M = 71.29, SD = 2.31), and 2) The financial literacy levels of new-generation teachers were categorized into three groups: high (28.93%), medium (39.64%), and low (31.43%). These findings indicate clear differences in financial literacy levels, which can be used as a foundation for designing appropriate financial literacy development strategies tailored to each group.