Factors Affecting Money Saving Decision Through Fixed Deposit Account and Endowment Insurance Policy of People in Amphoe Mueang Trang.

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ธนโชค กาญจนนันทวงศ์

Abstract

This research aims to study factors affecting money saving decision through fixed deposit account and endowment insurance policy of people in Amphoe Mueang Trang. The research used questionnaires to collect data by purposive sampling and convenience sampling from people who have age over 25 years old total of 500 people. The statistics used in the analysis are frequency, percentage, means and multinomial logistic regression. The results of this study show that most of savers are female, age between 25-30 years old, married status, have degree of education below Bachelor’s degree, self- employed, having average monthly income between 10,001-20,000 Baht, and most of savers are money saving decision through fixed deposit account.


The result of the factors affecting money saving decision through fixed deposit account and endowment insurance policy analyzed by multinomial logistic regression found that factors affecting saving decision through endowment insurance policy compare with saving decision through fixed deposit account are gender, age, occupation, price marketing factors, and liquidity factors and factors affecting saving decision through both fixed deposit account and endowment insurance policy compare with saving decision through fixed deposit account are education, return factors, and liquidity factors.

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Research Article