Factors Affecting Debt Incurring in the Next Normal Situation of Faculty of Business Administration Students at Rajamangala University of Technology Krungthep
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Abstract
This research aimed to investigate the personal and economic factors affecting debt occurring from the Student Loan Fund of students in the Faculty of Business Administration at Rajamangala University of Technology Krungthep during their next normal situations, and to study students' spending behaviors and problems in the Faculty of Business Administration at Rajamangala University of Technology Krungthep who have incurred debt from the Student Loan Fund in their next normal situations. The research sample comprised of 194 students, from first to fourth year, who have obtained a loan from the Student Loan Fund. The research tool was a questionnaire. The data analyzed using descriptive and inferential statistics. The findings revealed that the personal factors, such as the different age and academic year significantly caused the debt occurring from the Student Loan Fund at the .05 level, the different major affected the debt occurring from the Student Loan Fund at the .01 level, while the economic factors had no impact toward the debt occurring from the Student Loan Fund significantly. In terms of students' spending behaviors, it was found that the different need to have emergency money (medical expenses) significantly influenced the debt occurring from the Student Loan Fund at the .05 level. For the opinion toward the problem of students who occurred debt from the Student Loan Fund in their next normal situations found that the monthly expenses was insufficient and the high levels of volunteer hours.
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