FINANCIAL DISCIPLINE…THE PATH TO BE DEBT-FREE TEACHER: A CASE STUDY OF CIVIL SERVANT TEACHER IN BANMOH PATTHANANUKUL SCHOOL

Abstract

Objectives of this research article were: 1. To study the factors that caused teachers’ debt problems. 2. To study the methods teachers use to solve debt problems. It is phenomenological qualitative research. The key informants in this study were 15 government teachers at Ban Mo School Pattana Nukul who were in debt to get a variety of information The researcher used demographic grouping to select specific key informants. Semi-structured In-depth-interviews script were used for in-depth interviewing to collect data. The results of the research were derived from the analysis of data obtained from the interview transcripts. After that, a framework of key points was created. in order to create descriptive conclusions.

The research results were found that even though the informants were teachers from different generations, but most teachers have similar personal reasons for their debt problems, namely needs. Social values and personal behavior Information providers use approaches and methods to solve or reduce debt problems which could be applied to teachers who were in the same situation, namely having financial discipline. and management of assets and liabilities and embracing the philosophy of sufficiency economy that His Majesty King Bhumibol Adulyadej developed as a principle in life.