08 Factors Affecting the Investment in the Saving- Providend Fund of the Company Staff in Nongkhaem District

Abstract

This research aims to study 1) the demographic characteristic and the investment
behavior in the saving-providend fund of those company staff in Nonhkhaem district, and 2)
the demographic characteristic’s influence on the investment behavior of those answering the
questionnaire, and 3) the influence of the management factor on the investment behavior
of those answering the questionnaire. 400 sample were used in the study through the questionnaire.
Frequency, Percentage, Mean, and Standard Deviation were utilized in data analysis
while t-test and F-Test (one way ANOVA) at the reliability level at 95% were employed in the
hypothesis test.
It is revealed that most of the questionnaire respondents are female (50.50%), married
(64.75%), aged between 41-50 years old (46.25%), earning the income between 30,001- 45,000
baht (46.75%), and earning the bachelor degree (78.25%).
When analyzing the money-saving behavior, it shows that they themselves influence
the investment (63.00%), their purpose in saving is for the after-retirement expense (74.75%),
the money investment is mostly 10% of the monthly salary (52.50%), most of the investment
pattern is the seventh pattern (41.50%), and the factor influencing the choosing the number
and the pattern is the return-on-the-investment (38.00%) respectively.
Holistically, the factor influencing the investment in the saving-providend fund of the
company staff in Nongkhaem district is at the high level (Mean = 3.46). The factors evaluated
in the first three orders are the compensating money from the company (Mean = 3.72), public
relations/information providing (Mean = 3.61), and the company’s reliability (Mean = 3.52)
respectively.
The hypothesis test shows that 1) the demographic characteristic influences the investment
in the providend fund in terms of the policy management and the holistic view of the
investment in the providend fund, 2) the age influences the investment in the providend fund
in terms of the reliability of the committee, the company, and the public relations/information
providing, 3) the income influences the investment in the providend fund in terms of the
public relations/information providing, and 4) the education level influences the investment
in the providend fund in terms of the reliability of the committee.