The Guideline to Applying The Sufficiency Economy Philosophy in Personnel Financial Management for Teachers in Phra Nakhon Si Ayutthaya Primary Educational Service Area Office 2

Abstract

The purpose of this research was to study 1) income, expense, saving, asset and debt, 2) level of applying the sufficiency economy philosophy in personnel financial management, 3) compare applying the sufficiency economy philosophy divide by personal factors and 4) guideline to applying the sufficiency economy philosophy in personnel financial management for teachers in Phra Nakhon Si Ayutthaya Primary Educational Service Area Office 2. Samples from stratified sampling and simple random sampling consisted of 350 teachers in Phra Nakhon Si Ayutthaya Primary Educational Service Area Office 2 and 5 key informants for in-depth interview. Elicitation tools used for data collection were questionnaire and in-depth interview guideline. Data analysis was done by using frequency, percentage, arithmetic mean, standard deviation, independent samples t-test, one way analysis of variance and content analysis.The research results revealed that 1. Most of samples have income per month less than 18,000 baht, expense per month 10,001-15,000 baht, saving per month less than 3,000 baht, asset less than 50,000 baht, debt less than 100,000 baht. 2. Level of applying the sufficiency economy philosophy in personnel financial management was in high level consisting of reasonableness, self-immunity, knowledge and ethics but moderation was in moderate level. 3. The personnel factors affected applying the sufficiency economy philosophy in personnel financial management with statistical significance consisted of sex, age, official age and position. There were 5 guidelines to applying the sufficiency economy philosophy in personnel financial management. First, income guidelines consisted of distribute income with moderate and increase income with knowledge and risk immunity.. Second, expense guideline consisted of the unnecessary expense cutting and reasonable expense with family income. Third saving guidelines consisted of using reason, moral and knowledge for income and expense planning. Forth, asset guideline consisted of investment with moderate, low risk, risk diversification for stable in life and family. Fifth, debt guideline consisted of using risk immunity to debt building for necessary thing; consider family readiness and future benefit.