FACTORS INFLUENCING THE FINANCIAL FREEDOM OF TEACHERS IN MUEANG DISTRICT, PHAYAO PROVINCE
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Abstract
The objectives of this study were to 1) examine the levels of debt causation, debt management, and economic conditions in relation to the financial freedom of teachers in Mueang District, Phayao Province, and 2) investigate the influence of debt causation, debt management, and economic conditions on the financial freedom of teachers in Mueang District, Phayao Province. This quantitative research employed a sample of 264 teachers currently teaching in schools in Mueang District, Phayao Province, selected through multi-stage sampling. A questionnaire was utilized as the research instrument, with a reliability coefficient of 0.81. The statistical methods applied included descriptive statistics such as frequency, percentage, mean, and standard deviation, as well as inferential statistics using binary logistic regression analysis.
The findings revealed that 1) the overall mean level of debt causation from basic needs was low, whereas the mean levels of debt management and awareness of economic conditions were high, and 2) debt causation was found to have a negative influence on financial freedom, while debt management and economic conditions had a positive influence on financial freedom, with statistical significance at the 0.05 level. Furthermore, it was observed that the sample group had incurred debts in various forms, with the majority involving general personal loans. Regarding debt management practices, most teachers demonstrated a good level of debt management; however, they lacked sufficient knowledge in income–expenditure planning and negotiating with creditors, which are crucial for effective debt management. Proper planning, therefore, is considered essential in enabling teachers to manage their debts more efficiently.
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บทความทุกเรื่องได้รับการตรวจความถูกต้องทางวิชาการโดยผู้ทรงคุณวุฒิ ทรรศนะและข้อคิดเห็นในบทความ Journal of Global of Perspectives in Humanities and Social Sciences (J-GPHSS) มิใช่เป็นทรรศนะและความคิดของผู้จัดทำจึงมิใช่ความรับผิดชอบของบัณฑิตวิทยาลัย มหาวิทยาลัยราชภัฏวไลยอลงกรณ์ ในพระบรมราชูปถัมภ์ กองบรรณาธิการไม่สงวนสิทธิ์การคัดลอก แต่ให้อ้างอิงแหล่งที่มา
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