Financial Skills that Affecting Financial Planning of Government Savings Bank Region 12 Staffs

Abstract

           The research is to 1) study the level of financial skills of the Government Saving Bank Region 12th’s staffs 2) study the quality of financial planning of the Government Saving Bank Region 12th’s staffs 3) study the level of financial skills that affect the financial planning the Government Saving Bank Region 12th’s staffs. The samples of this research consisted of 285 staffs of the Government Saving Bank Region 12th. The tool used in the research was the scale questionnaire with the reliability of 0.951. The statistics used in the data analysis were percentage, mean, standard deviation and hypothesis testing using the multiple regression analysis method. It was found that the majority of samples were females, aged 20 – 30 years old with single as marriage status, educational background is bachelor’s degree with 5-10 years of working experience, salary range from 15,000 to 20,000 baht, worked as an staffs positioned in Ubon Ratchathani Province. It was found that the financial and planning skills of the research samples were high. It was also found that there were three variables that affect the financial skills which lead to sample’s financial planning. Those variables are financial literacy, financial behavior, and financial attitude.

            The most problem and obstacle found in the operation level is old and slow of computers used in the operation. The suggestion of the sample to solve the problem is the bank should replace the computers used in the operation level every three years.