เอกสารการประชุมวิชาการและเสนอผลงานวิจัย มหาวิทยาลัยทักษิณ ครั้งที่ 19 2552 - page 1103

„µ¦ž¦³»¤ª·µ„µ¦Â¨³Áœ°Ÿ¨Šµœª·‹´¥¤®µª·š¥µ¨´¥š´ „¬·– ‡¦´Ê Šš¸É 19 ž¦³‹Îµže 2552
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analyze the raw data and to test the hypotheses. The main findings can be summarized as follows. Firstly, most of
the households saved their money for emergency use by opening the saving account at the village fund. The
saving-income ratio of households varied according to the status and an educational level of their family’s leader,
the numbers of family members, the numbers of family independents, an average monthly income, average
monthly expenditure, average monthly debt to be paid, their properties and assets. Finally, it was found that an
average monthly income, average monthly expenditure, average monthly debt and the number of family members
were the determinants of the saving-income ratio of the households.
Keywords: household saving, saving behavior, saving-income ratio, determinants of household saving
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