รูปแบบการส่งเสริมการออมของสมาชิกกองทุนการออมแห่งชาติในจังหวัดอุบลราชธานี A model of Promoting Saving of the Membership of National Saving Fund in Ubon Ratchathani Province

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วัฒน์วงศ์ ยาศรี Watwong Yasri กิติรัตน์ สีหบัณฑ์ Kitirat Sihaban สมหมาย ชินนาค Sommai Chinnak

Abstract

The research aimed to study a model of promoting saving of the membership of national saving fund in Ubon Ratchathani province. Randomly selected sample group of the study were 377 members. The research instruments were questionnaires, focus groups and model evaluation. Collected data were analyzed by using percentage, mean, standard deviation, and content analysis. The research findings were as follows: A model comprised 4 elements including principle, objective, operation and success condition. 1) Principle referred to the operation of national saving fund in Ubon Ratchathani province to promote member in terms of returns, fund security, hedging, savings targets, and savings motivation. 2) Objective was to promote saving of the membership of national saving fund in the aforementioned aspects. 3) Operation consisted of 3.1) returns promotion operate through proper payout, warranty returns, contribution, pension, giving money to the heirs and educating the return; 3.2) fund security promotion operate through effective fund management, proper accounting system, annual report on performance, evaluation of fund projects, financial discipline, financial planning, basic rights protection and creating a learning exchange network; 3.3) hedging promotion operate through investment risk management, preparation of internal risk management system, the law is used in fund management, fund regulations, considering the loan according to the criteria and member qualification; 3.4) savings targets promotion operate through encouraging members to have savings goals, targeting savings to members, determining the purpose of spending, educating about savings goals, plan to save money to maximize return, the use of information systems to plan savings, proper proportion of funds and adjustment of spending plan as appropriate; 3.5) savings motivation promotion operate through promoting motivation to save for members, consumer price control, public relations privileges of membership and fund public relations. 4) Success conditions involved the following: members must be willing to comply with the conditions, the fund must comply with the terms given to members, creating confidence and increase the benefits and the government support and develop the fund.

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บทความวิจัย (Research Articles)