Development Personal Financial Management Model of Government Officials In The Royal Thai Navy
Keywords:
Finance management behavior, Personal finance management behavior, Finan-cial well-beingAbstract
The objective of the research were 1) To study factors that affecting the Financial wellbeing. of government officials in the Royal Thai Navy. 2) To study the influence of factors that affecting the Financial well-being. of government officials in the Royal Thai Navy. 3) To develop personal financial management model of government officials in The Royal Thai Navy. It is mixed methods collecting data from a group of government officials in The Royal Thai Navy in order to study the Socio-demographic features, Financial knowledge, Attitudes toward money and Sufficiency Economy influencing Personal finance management behavior and Financial well-being of government officials in The Royal Thai Navy. The tool in this research is interview and questionnaires by collecting as qualitative model with in-depth interview method of 10 samples with quantitative question of 400 samples. Researchers use descriptive analysis as the percentage, standard deviation, and mean in terms of Pearson’s analysis of correlation coefficient with LISREL for Windows version 8.80 program.
The result indicated that the cause of all factors influences directly positive to Personal finance management behavior and influences indirectly positive to Financial well-being of government officials in The Royal Thai Navy significantly as the statistical number of 0.01.
References
กองทัพเรือไทย, (2560) “แผนปฏิบัติราชการ 4 ปี ของกองทัพเรือไทย” (พ.ศ. 2557 – 2560) (2559) ”นโยบายกองทัพเรือ ประจำปีงบประมาณ„ (พ.ศ. 2559) (2560) ”นโยบายกองทัพเรือ ประจำปีงบประมาณ„(พ.ศ. 2560)
ธนาคารแห่งประเทศไทย. 2556. “ข้อมูลพื้นฐํานเศรษฐกิจไทย.” [ออนไลน์]. เข้าถึงเมื่อ: 12 เมษายน 2561 จาก http://www.bot.or.th/Thai/ Economic Conditions/ Thai/ genecon/ Pages/ index.aspx
วศิน สันหกรณ์ (2557), ลักษณะทางประชากรพฤติกรรมเปิดรับสื่อและปัจจัยทางการตลาดที่มีผลต่อการซื้ออะไหล่ประดับยนต์ในสินค้าประเภทหลอดไฟหน้ารถยนต์. วิทยานิพนธ์หลักสูตรนิเทศศาสตร์มหาบัณฑิต มหาวิทยาลัยกรุงเทพ.
วิชิต อู่อ้น. (2554). การวิจัยและการสืบค้นข้อมูลทางธุรกิจ (พิมพ์ครั้งที่ 9). กรุงเทพฯ: จุฬาลงกรณ์มหาวิทยาลัย
สมชาย ขจรศักดิ์ชัย. (2554). ใครคนหนึ่ง ทำเพื่อเราได้ทั้งชีวิต. กรุงเทพฯ: โรงพิมพ์ตะวันออก.
สำนักงานคณะกรรมการพัฒนาการเศรษฐกิจและสังคมแห่งชาติ. (2554). สรุปสาระสำคัญ แผนพัฒนาเศรษฐกิจและสังคมแห่งชาติ ฉบับที่ 11 พ.ศ. 2555-2559. เข้าถึงเมื่อ 20 ธันวาคม.2560 จาก www.nesdb.go.th/ewt_news.php?nid=5748
สำนักงานสถิติแห่งชาติ (2560) สรุปผลที่สำคัญ การสำรวจภาวะเศรษฐกิจ และสังคมของครัวเรือนพ.ศ. 2560. กรุงเทพฯ: สำนักงานสถิติแห่งชาติ.สำนักงานสถิติแห่งชาติ (2555ก:21) การสำรวจภาวะการครองชีพของราชการพลเรือนสามัญ พ.ศ.2555. กรุงเทพฯ: สำนักงานสถิติแห่งชาติ.
สุภมาส อังศุโชติ, สมถวิล วิจิตรวรรณา และ รัชนีกูล ภิญโญภานุวัฒน์,( 2554) สถิติการวิเคราะห์สำหรับการวิจัยทางสังคมศาสตร์และพฤติกรรมศาสตร์ : เทคนิคการใช้โปรแกรม LISREL กรุงเทพฯ : บริษัท มิสชั่น มีเดีย จำกัด,
อัจฉรา โยมสินธุ์ “เศรษฐกิจพอเพียงกับการวางแผนการเงิน” จากหนังสือพิมพ์กรุงเทพธุรกิจ ฉบับวันอาทิตย์ที่ 14 กรกฎาคม พ.ศ. 2554
Aimee D. Prawitz and Judith Cohart (2014). Workplace Financial Education Facilitates Improvement in Personal Financial Behaviors.Journal of Financial Counseling & Planning. 2014, Vol. 25 Issue 1, p5-26. 22p. 10 Charts.
Aldana & Liljenquist, 1998), Personal Financial Planning. New York: McGraw-Hill/Irwin.
Ana Paula S .C . Miotto and Juracy Parente (2015). Antecedents and Consequences of Household Financial Management in Brazilian Lower-Middle-Class. RAE-Revista de A dm inistração de Empresas jan/fev2015, Vol. 55 Issue 1, p50-64. 15p. DOI: 10.1590/S0034-759020150106.
Annamaria Lusardi and al. (2010 ). Financial Literacy among the Young: Evidence and Implica-tions for Consumer Policy. Journal of Consumer Affairs, vol. 44(2), pp. 358 – 380.
ANZ Survey of Adult Financial Literacy in Australia (ANZ, 2008) Use of payment/ Transacting Methods and Financial Literacy. Reported Money Management, Budgeting and Planning Behaviour.
Bagwell, Kyle. (2000). The Economics of Advertising. UK: Edward Edgar.
Bailey, Woodiel, Turner, & Young, (1998) Planning Your Financial Future. Ohio: The Dryden Press.
Brent A. Marsh (2006). Examining the Personal Finance Attitudes, Behaviors, and Knowledge Levels of First-Year and Senior Students at Baptist Universities in the State of Texas. Higher Education Ph.D. Dissertations. 8. https://scholarworks.bgsu.edu/he_diss/8
Chiung Chiao Chang (2010). The Effect of LOC, Financial Knowledge and Message Framing on Consumer Financial Management Behavior. International Journal of Advertising, 29(2) ,• January, 2010 .
Cliff A. Robb and Ann S. Woodyard (2011). Financial Knowledge and Best Practice Behavior. Journal of Financial Counseling and Planning, 22(1), 60-70.
Cliff A. Robb and Ann S. Woodyard (2011). Practical Nonparametric Statistics. (3rded.). New York: Wiley.
Coskuner (2015) Planning Your Financial Future. Texas: Foreman and Company.
DeFleur, M. L., & Ball-Rokeach, S. J. 1996. Theories of Mass Communication.London: Longman.
Davigo (2005) Business Research Methods (7 ed.). New York McGrawHill.GV
Dr. Selda Coşkuner (2015) Understanding Factors Affecting Financial Satisfaction: The Influence of Financial Behavior, Financial Knowledge and Demographics. Imperial Journal of Interdisciplinary Research (IJIR) Vol-2, Issue-5, 2016 ISSN: 2454-1362.
Drentea, P. 2000. "Age, Debt and Anxiety." Journal of Health and Social Behavior 41:437-450.
Falahati, L, and Paim, L. (2011). Factors Oredict Finalcial Problem Among College Students: A Gendered View. Proceeding of 2011 International Conference on Sociality and Economics Development IPEDR vol. 10.
Faris S. Alghamdi, 2014. The Role of Trait Emotional Intelligence in Individual Performance: A Descriptive Study in Albaha University, Saudi Arabia. Journal of Service Science and Management Vol.7 No.5
Foster, C.R. (1952). Phychology for Life Adjustment. Chicago: Amarican Technical Society.
E. Thomas Garman, Jinhee Kim, Constance Y. Kratzer, Bruce H. Brunson and So-hyun Joo (1999). Workplace Financial Education Improves Personal Financial Wellness. Journal of Financial Counseling and Planning.10(1). January 1999.
Gasiorowska, (2008). The Relationship of Income And Money Attitudes To Subjective Assessment of Financial Situation. MPRA Paper No. 18746, posted 20. November 2009 00:24 UTC
Gattiker & Larwood, (1986) Personal Financial Planning. (13thed.). San Diego: Emeritus.
Gerrans at al. (2013), Personal Finance Planning. Melbourne: Thompson.
Gitman & Joehnk (2007), Financial Distress of Companies in Poland. Warsaw School of Econom-ic. 10(1-04).
Hallman, G. Victor, & Rosenbloom, Jerry. (2000). Personal Financial Management. New Jercy: Kindle.
Hayes (2006), Differences in Spending Habits and Credit Use of College Students. The Journal of Consumer Affairs, 34, 113.
Hayhoe (2012). How Do Distrust and Anxiety Affect Saving Behavior? Famiy & Consumer Sciences Research Journal. Volume41, Issue1, September 2012, Pages 69-85.
Hira and Mugenda,( 1990) Corporate Governance Structure and Performance of Malaysian List-ed Companies. Journal of Business Finance & Accounting. 33(7 September): 1034-1062
IDA and CINTHIA YOHANA DWINTA (2010). Effect of Locus of Control, Financial Knowledge, Income on Financial Management Behavior. journal bisnis dan akuntansi. Vol.12, No.3, Desember 2010,Hlm.131- 144.
Ida and Dawinta (2010) A Study on Financial Literacy of Malaysian Degree students.Cross-cultural Communication, 5, 51-59.
Irine Herdjiono, Lady Angela Damanik Universitas Musamus (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori dan Terapan Tahun 9. No. 3, Desember 2016.
Ismail et al. (2011) Personal Finance. The United States of America : South – Western Publishing
Jibran Qamar at al. (2016), Personal Finance. New York : McGraw-Hill.
Jing Jian Xiao, Chuanyi Tang, Joyce Serido, and Soyeon Shim (2011). Antecedents and Consequences of Risky Credit Behavior Among College Students: Application and Extension of the Theory of Planned Behavior. Journal of Public Policy & Marketing: Fall 2011, Vol. 30, No. 2, pp. 239-245.
Jodi L. Parrotta and Phyllis J. Johnson (1998). The Impact Of Financial Attitudes And Knowledge On Financial Management And Satisfaction Of Recently Married Individuals. Journal of Financial Counseling and Planning 9(2) • January 1998.
JODI LYNNE MCFARLANE (1996). The Impact of Financial Attitude and Knowledge on Finan-cial Management and Satisfaction. Journal of Financial Counseling and Planning 9(2) • January 1998.
Joo, S., & Grable, J. E. (2004). An Exploratory Framework of the Determinants of Financial satisfaction. Journal of Family and Economic Issues, 25, 25-50
Joo and Grable (2004). An Exploratory Framework of the Determinants of Financial Satisfaction. Journal of Family and Economic Issues.March 2004, Volume 25, Issue 1, pp 25–50.
John E. Grable, Joo-Yung Park, and So-Hyun Joo. Explaining Financial Management Behavior for Koreans Living in the United States. The Journal of Consumer Affairs. Volume43, Issue1, Spring 2009, Pages 80-107
John T. Schweichler (2013). The Financial Behavior of Emerging Adults: a Family Financial Socialization Approach. Journal of Family and Economic Issues. March 2017, Volume 38, Issue 1, pp 57–69
John V. Hayes (2006). Money Attitudes, Economic Locus of Control, and Financial Strain among College Students. Journal of Applied Economics and Policy, 28(1), 20–33.
Kantabutra, S.(2008). Development of the Sufficiency Economy philosophy in the Thai Business Sector: Evidence, Future,Research & Policy Implication, Retrieved July11,2017,from http://www.sufficien-cyeconomy.org/en/files/26.pdf
Keller and Staelin (1987) Marketing Management: Analysis, Planning, Implementation and Control. 9th ed. New Jersey: Prentice-Hall
Kehiaian, Scott E. (2013). Factors and Behaviors that Influence Financial Literacy in U.S. House-holds. Nova Southeastern University, ProQuest, UMI Dissertations Publishing,.
Kim & Garman, (2004) Personal Financial Management. Singapore: McGraw Hill.
Kim, J., Garman, E. T., & Sorhaindo, B. (2003). Relationships among Credit Counseling Clients’ Financial Wellbeing, Financial Behaviors, Financial Stressor Events, and Health. Fi-nancial Counseling and Planning, 14, 75-87.
Klontz and Britt (2012). How Clients’ Money Scripts Predict Their Financial Behaviors. Journal of Financial Planning; Denver .Volume 25, No. 11, (Nov 2012): 33-36,38-43.
Koposko and Hershey (2014) Personal Finance Turning Money into Wealth. New Jersey: Prentice Hall.
Lee, Jinkook. and Hogarth, Jeane M. (1999). Ruturns to Information Search: Consumer Mortgage Shopping Decisions. Journal of Finnancial Counseling and Planing 10 (1), 46-47.
Leila Falahati and Laily H. Paim (2011). Toward a Framework of Determinants of Financial Management and Financial Problems among University Students. African Journal of Business Management Vol. 5(22), pp. 9600-9606, 30 September, 2011.
Leila Falahati, Mohamad Fazli Sabri and Laily H.J. Paim (2012). Assessment a Model of Financial Satisfaction Predictors: Examining the Mediate Effect of Financial Behaviour and Fi-nancial Strain. World Applied Sciences Journal 20(2):190-197 • January 2012 .
Louis E.Boone, David L.Kurtz, Douglas Hearth. (2000). Planning Your Financial Future. The Unit-ed States of America: Dryden Press.
Lok, Yiing-Jia (2017). The Influence of Socio-Demographic and Financial knowledge Factors on Financial Management Practices of Malaysians. International Journal of Business and Society, Volume 18, No. 1.
Marianne A. Hilgert and Jeanne M. Hogarth (2003). Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Bulletin, Board of Gov-ernors of the Federal Reserve System (U.S.), issue Jul, pages 309-322.
Maria Sakalaki at al.(2006). Association of Economic Internality With Saving Behavior and Mo-tives, Financial Confidence, and Attitudes Toward State Intervention. Journal of Applied Social Psychology 35(2):430 -443 • July 2006.
Marican., Roza Hazli Zakaria, Noor Ismawati Mohd Jaafar & Sabitha and Marican., Roza Hazli Zakaria, Noor Ismawati Mohd Jaafar & Sabitha (2012) Financial Behavior and Financial Position: A Structural Equation Modelling Approach. Middle-East Journal of Scientific Research, 11 (5). pp. 602-609.
Michel Lejoyeux at al. (2011). Money attitude, self-esteem, and compulsive buying in a population of medical students. Front Psychiatry. 2011 Mar 30;2:13. doi: 10.3389/fpsyt.2011.00013. eCollection 2011.
Mirowsky and Ross (2003) Motivating Economic Achievement. New York : Free Press
Mohamad Fazli Sabri and Leila Falahati (2012). Estimating a Model of Subjective Financial Well-Being among College Student. International Journal of Humanities and Social Science. Vol. 2 No. 18; October 2012.
Mohamed E. Ibrahim & Fatima R. Alqayd (2013). Financial Literacy, Personal Financial Attitude, and Forms of Personal Debt among Residents of the UAE. International Journal of Economics and Finance ISSN 1916-971X (Print) ISSN 1916-9728 (Online).
Muhammad Ali Jibran Qamar, Muhammad Asif Nadeem Khemta*, Hassan Jamil (2016). How Knowledge and Financial Self-Efficacy Moderate the Relationship between Money Attitudes and Personal Financial Management Behavior. European Online Journal of Natural and Social Sciences 2016, Vol.5, No.2 pp. 296-308, ISSN 1805-3602.
Naila Al Kholilah and Rr. Iramani (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking. Volume 3, No.1, May 2013, pages 69 – 80.
Ngoc Mien & Phuong Thao (2015), The Knowledge-Creating Company. Harvard Business Review, 69, 96–104.
Nguyen Thi Ngoc Mien, Tran Phuong Thao (2015). Factors Affecting Personal Financial Manage-ment Behaviors: Evidence from Vietnam. Proceedings of the Second Asia-Pacific Con-ference on Global Business, Economics,Finance and Social Sciences (AP15Vietnam Con-ference) ISBN: 978-1-63415-833-6 Danang-Vietnam, 10-12 July, 2015 Paper ID: VL532.
Nicki A. Dowling, Tim Corney, and Lauren Hoiles (2009). Financial Management Practices and Money Attitudes as Determinants of Financial Problems and Dissatisfaction in Young Male Australian Workers. Journal of financial counseling and planning, vol. 20, no. 2, pp. 5-13.
Nyeand & Hillyard (2013), Guide Personal Finance. New Orlean: Printice Hall.
OECD (2012). OECD Guidelines on Measuring Subjective Well-Being.
Parrotta, J. L., & Johnson, P. J. (1998). The Impact of Financial Attitudes and Knowledge on Fi-nancial Management and Satisfaction of Recently Married Individuals. Financial Coun-seling and Planning, 9, 59-75.
Parrotta & Johnson (1998), Retrieved February 25, 2008, from http://www. cfp.net
Paul Gerrans, Craig P. Speelman and Guillermo J. Campitelli (2013 ). The Relationship Between Personal Financial Wellness and Financial Wellbeing: A Structural Equation Modelling Approach. Journal of Family and Economic Issues. June 2014, Volume 35, Issue 2, pp 145–160.
Pete Nye & Cinnamon Hillyard (2013). Personal Financial Behavior: The Influence of Quantitative Literacy and Material Values. Cinnamon Hillyard, University of Washington Bothell.
Porter, N. M., & Smith, P. C. (1991). Organizational Work. Personal Factor in Employee and Ab-senteeism. Psychological Builletin 80 No.2.
Prawitz, Aimee D.; Cohart, Judith (2016). Financial Management Competency, Financial Resourc-es, Locus of Control, and Financial Wellness.Journal of Financial Counseling & Planning. 2016, Vol. 27 Issue 2, p142-157. 16p. 3 Charts. DOI: 10.1891/1052-3073.27.2.142.
Richard J. Stillman (1985:7) Guide to Personal Finance. New Jersey: Prentice Hall.
Robb & Woodyard (2011) Traditional Midwives as Family Planning Communication in Asia. Honolulu: The East West Communication Institute.
Robb, M. (2011). Counting more than Number. Accountancy, 128.
Roza Hazli Zakaria and al. (2012) Sex and Money: Gender Differences in the Use of Surrogate Consumers for Financial Decision-Making. Journal of Professional Services Marketing, 7, 167-182.
Salamanca at al. (2016) Consumer Behavior. 5th ed. New Jersey: Prentice-Hall.
Sandra J. Huston(2012). Financial literacy and the cost of borrowing. International Journal of consumer studies.Volume36, Issue5, September 2012, Pages 566-572.
Shim S. and al. (2009). An Online Repurchased Intention Model: The role of Intention to Search.Jornal of Retailing.
Soyeon Shim and al.(2009). Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education. Journal of Youth and Adolescence. December 2010, Volume 39, Issue 12, pp 1457–1470.
Steers Porter. (1977). Antecedents and Outcomes of Organization Commitment Administrative Science Quarterly. 22 ZMarch 1997: 28-56.
Subarna Bir J.B.R (2014). Knowledge, Attitude and their Effect on the Recently Graduated Employees’ Financial Management Practices and Satisfaction. Economic Literature, Vol. XII (69-81), December 2014.
Tahira K. Hira and Olive M. Mugenda (1999). Predictors Of Financial Satisfaction: Differences Between Retirees And Non-retirees. Journal of Family and Consumer Sciences January 1, 1999
Tang, T. L. P. (1995). The Development of a Short Money Ethic Scale: Attitudes Toward Money and Pay Satisfaction Revisited. Personality and Individual Differences, 19, 809-816
Teresa DaVigo (2005). Money Attitude and Behavior From an Attachment Perspective. Thesis (Ed. D.)--Seattle Pacific University, 2005.
Vanessa G. Perry and Marlene d. Morris (2005). Who Is in Control? The Role of Self‐Perception, Knowledge, and Income in Explaining Consumer Financial Behavior. Journal of Consumer Affairs 39(2):299 -313 • September 2005.
Wang and al.(2011) . Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China. Journal of Economic Psychology. Volume 32, Issue 1, February 2011, Pages 179-193.
Ho Pooi Yen, Ng Jo-Lyn Siew Mun Keat (2013). Financial Satisfaction Among the Urban Elderly in Selangor, Malaysia. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics,Finance and Social Sciences (AP15Vietnam Conference) ISBN: 978-1-63415-833-6 Danang-Vietnam, 10-12 July, 2013 Paper ID: VL532.
Zakaria Z. and al. (2012). Tourists’ Expectation and Perceptions on the Service Quality in Malaysian. Tourism Industry Global Business and Management Research. An International Journal.
ธนาคารแห่งประเทศไทย. 2556. “ข้อมูลพื้นฐํานเศรษฐกิจไทย.” [ออนไลน์]. เข้าถึงเมื่อ: 12 เมษายน 2561 จาก http://www.bot.or.th/Thai/ Economic Conditions/ Thai/ genecon/ Pages/ index.aspx
วศิน สันหกรณ์ (2557), ลักษณะทางประชากรพฤติกรรมเปิดรับสื่อและปัจจัยทางการตลาดที่มีผลต่อการซื้ออะไหล่ประดับยนต์ในสินค้าประเภทหลอดไฟหน้ารถยนต์. วิทยานิพนธ์หลักสูตรนิเทศศาสตร์มหาบัณฑิต มหาวิทยาลัยกรุงเทพ.
วิชิต อู่อ้น. (2554). การวิจัยและการสืบค้นข้อมูลทางธุรกิจ (พิมพ์ครั้งที่ 9). กรุงเทพฯ: จุฬาลงกรณ์มหาวิทยาลัย
สมชาย ขจรศักดิ์ชัย. (2554). ใครคนหนึ่ง ทำเพื่อเราได้ทั้งชีวิต. กรุงเทพฯ: โรงพิมพ์ตะวันออก.
สำนักงานคณะกรรมการพัฒนาการเศรษฐกิจและสังคมแห่งชาติ. (2554). สรุปสาระสำคัญ แผนพัฒนาเศรษฐกิจและสังคมแห่งชาติ ฉบับที่ 11 พ.ศ. 2555-2559. เข้าถึงเมื่อ 20 ธันวาคม.2560 จาก www.nesdb.go.th/ewt_news.php?nid=5748
สำนักงานสถิติแห่งชาติ (2560) สรุปผลที่สำคัญ การสำรวจภาวะเศรษฐกิจ และสังคมของครัวเรือนพ.ศ. 2560. กรุงเทพฯ: สำนักงานสถิติแห่งชาติ.สำนักงานสถิติแห่งชาติ (2555ก:21) การสำรวจภาวะการครองชีพของราชการพลเรือนสามัญ พ.ศ.2555. กรุงเทพฯ: สำนักงานสถิติแห่งชาติ.
สุภมาส อังศุโชติ, สมถวิล วิจิตรวรรณา และ รัชนีกูล ภิญโญภานุวัฒน์,( 2554) สถิติการวิเคราะห์สำหรับการวิจัยทางสังคมศาสตร์และพฤติกรรมศาสตร์ : เทคนิคการใช้โปรแกรม LISREL กรุงเทพฯ : บริษัท มิสชั่น มีเดีย จำกัด,
อัจฉรา โยมสินธุ์ “เศรษฐกิจพอเพียงกับการวางแผนการเงิน” จากหนังสือพิมพ์กรุงเทพธุรกิจ ฉบับวันอาทิตย์ที่ 14 กรกฎาคม พ.ศ. 2554
Aimee D. Prawitz and Judith Cohart (2014). Workplace Financial Education Facilitates Improvement in Personal Financial Behaviors.Journal of Financial Counseling & Planning. 2014, Vol. 25 Issue 1, p5-26. 22p. 10 Charts.
Aldana & Liljenquist, 1998), Personal Financial Planning. New York: McGraw-Hill/Irwin.
Ana Paula S .C . Miotto and Juracy Parente (2015). Antecedents and Consequences of Household Financial Management in Brazilian Lower-Middle-Class. RAE-Revista de A dm inistração de Empresas jan/fev2015, Vol. 55 Issue 1, p50-64. 15p. DOI: 10.1590/S0034-759020150106.
Annamaria Lusardi and al. (2010 ). Financial Literacy among the Young: Evidence and Implica-tions for Consumer Policy. Journal of Consumer Affairs, vol. 44(2), pp. 358 – 380.
ANZ Survey of Adult Financial Literacy in Australia (ANZ, 2008) Use of payment/ Transacting Methods and Financial Literacy. Reported Money Management, Budgeting and Planning Behaviour.
Bagwell, Kyle. (2000). The Economics of Advertising. UK: Edward Edgar.
Bailey, Woodiel, Turner, & Young, (1998) Planning Your Financial Future. Ohio: The Dryden Press.
Brent A. Marsh (2006). Examining the Personal Finance Attitudes, Behaviors, and Knowledge Levels of First-Year and Senior Students at Baptist Universities in the State of Texas. Higher Education Ph.D. Dissertations. 8. https://scholarworks.bgsu.edu/he_diss/8
Chiung Chiao Chang (2010). The Effect of LOC, Financial Knowledge and Message Framing on Consumer Financial Management Behavior. International Journal of Advertising, 29(2) ,• January, 2010 .
Cliff A. Robb and Ann S. Woodyard (2011). Financial Knowledge and Best Practice Behavior. Journal of Financial Counseling and Planning, 22(1), 60-70.
Cliff A. Robb and Ann S. Woodyard (2011). Practical Nonparametric Statistics. (3rded.). New York: Wiley.
Coskuner (2015) Planning Your Financial Future. Texas: Foreman and Company.
DeFleur, M. L., & Ball-Rokeach, S. J. 1996. Theories of Mass Communication.London: Longman.
Davigo (2005) Business Research Methods (7 ed.). New York McGrawHill.GV
Dr. Selda Coşkuner (2015) Understanding Factors Affecting Financial Satisfaction: The Influence of Financial Behavior, Financial Knowledge and Demographics. Imperial Journal of Interdisciplinary Research (IJIR) Vol-2, Issue-5, 2016 ISSN: 2454-1362.
Drentea, P. 2000. "Age, Debt and Anxiety." Journal of Health and Social Behavior 41:437-450.
Falahati, L, and Paim, L. (2011). Factors Oredict Finalcial Problem Among College Students: A Gendered View. Proceeding of 2011 International Conference on Sociality and Economics Development IPEDR vol. 10.
Faris S. Alghamdi, 2014. The Role of Trait Emotional Intelligence in Individual Performance: A Descriptive Study in Albaha University, Saudi Arabia. Journal of Service Science and Management Vol.7 No.5
Foster, C.R. (1952). Phychology for Life Adjustment. Chicago: Amarican Technical Society.
E. Thomas Garman, Jinhee Kim, Constance Y. Kratzer, Bruce H. Brunson and So-hyun Joo (1999). Workplace Financial Education Improves Personal Financial Wellness. Journal of Financial Counseling and Planning.10(1). January 1999.
Gasiorowska, (2008). The Relationship of Income And Money Attitudes To Subjective Assessment of Financial Situation. MPRA Paper No. 18746, posted 20. November 2009 00:24 UTC
Gattiker & Larwood, (1986) Personal Financial Planning. (13thed.). San Diego: Emeritus.
Gerrans at al. (2013), Personal Finance Planning. Melbourne: Thompson.
Gitman & Joehnk (2007), Financial Distress of Companies in Poland. Warsaw School of Econom-ic. 10(1-04).
Hallman, G. Victor, & Rosenbloom, Jerry. (2000). Personal Financial Management. New Jercy: Kindle.
Hayes (2006), Differences in Spending Habits and Credit Use of College Students. The Journal of Consumer Affairs, 34, 113.
Hayhoe (2012). How Do Distrust and Anxiety Affect Saving Behavior? Famiy & Consumer Sciences Research Journal. Volume41, Issue1, September 2012, Pages 69-85.
Hira and Mugenda,( 1990) Corporate Governance Structure and Performance of Malaysian List-ed Companies. Journal of Business Finance & Accounting. 33(7 September): 1034-1062
IDA and CINTHIA YOHANA DWINTA (2010). Effect of Locus of Control, Financial Knowledge, Income on Financial Management Behavior. journal bisnis dan akuntansi. Vol.12, No.3, Desember 2010,Hlm.131- 144.
Ida and Dawinta (2010) A Study on Financial Literacy of Malaysian Degree students.Cross-cultural Communication, 5, 51-59.
Irine Herdjiono, Lady Angela Damanik Universitas Musamus (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori dan Terapan Tahun 9. No. 3, Desember 2016.
Ismail et al. (2011) Personal Finance. The United States of America : South – Western Publishing
Jibran Qamar at al. (2016), Personal Finance. New York : McGraw-Hill.
Jing Jian Xiao, Chuanyi Tang, Joyce Serido, and Soyeon Shim (2011). Antecedents and Consequences of Risky Credit Behavior Among College Students: Application and Extension of the Theory of Planned Behavior. Journal of Public Policy & Marketing: Fall 2011, Vol. 30, No. 2, pp. 239-245.
Jodi L. Parrotta and Phyllis J. Johnson (1998). The Impact Of Financial Attitudes And Knowledge On Financial Management And Satisfaction Of Recently Married Individuals. Journal of Financial Counseling and Planning 9(2) • January 1998.
JODI LYNNE MCFARLANE (1996). The Impact of Financial Attitude and Knowledge on Finan-cial Management and Satisfaction. Journal of Financial Counseling and Planning 9(2) • January 1998.
Joo, S., & Grable, J. E. (2004). An Exploratory Framework of the Determinants of Financial satisfaction. Journal of Family and Economic Issues, 25, 25-50
Joo and Grable (2004). An Exploratory Framework of the Determinants of Financial Satisfaction. Journal of Family and Economic Issues.March 2004, Volume 25, Issue 1, pp 25–50.
John E. Grable, Joo-Yung Park, and So-Hyun Joo. Explaining Financial Management Behavior for Koreans Living in the United States. The Journal of Consumer Affairs. Volume43, Issue1, Spring 2009, Pages 80-107
John T. Schweichler (2013). The Financial Behavior of Emerging Adults: a Family Financial Socialization Approach. Journal of Family and Economic Issues. March 2017, Volume 38, Issue 1, pp 57–69
John V. Hayes (2006). Money Attitudes, Economic Locus of Control, and Financial Strain among College Students. Journal of Applied Economics and Policy, 28(1), 20–33.
Kantabutra, S.(2008). Development of the Sufficiency Economy philosophy in the Thai Business Sector: Evidence, Future,Research & Policy Implication, Retrieved July11,2017,from http://www.sufficien-cyeconomy.org/en/files/26.pdf
Keller and Staelin (1987) Marketing Management: Analysis, Planning, Implementation and Control. 9th ed. New Jersey: Prentice-Hall
Kehiaian, Scott E. (2013). Factors and Behaviors that Influence Financial Literacy in U.S. House-holds. Nova Southeastern University, ProQuest, UMI Dissertations Publishing,.
Kim & Garman, (2004) Personal Financial Management. Singapore: McGraw Hill.
Kim, J., Garman, E. T., & Sorhaindo, B. (2003). Relationships among Credit Counseling Clients’ Financial Wellbeing, Financial Behaviors, Financial Stressor Events, and Health. Fi-nancial Counseling and Planning, 14, 75-87.
Klontz and Britt (2012). How Clients’ Money Scripts Predict Their Financial Behaviors. Journal of Financial Planning; Denver .Volume 25, No. 11, (Nov 2012): 33-36,38-43.
Koposko and Hershey (2014) Personal Finance Turning Money into Wealth. New Jersey: Prentice Hall.
Lee, Jinkook. and Hogarth, Jeane M. (1999). Ruturns to Information Search: Consumer Mortgage Shopping Decisions. Journal of Finnancial Counseling and Planing 10 (1), 46-47.
Leila Falahati and Laily H. Paim (2011). Toward a Framework of Determinants of Financial Management and Financial Problems among University Students. African Journal of Business Management Vol. 5(22), pp. 9600-9606, 30 September, 2011.
Leila Falahati, Mohamad Fazli Sabri and Laily H.J. Paim (2012). Assessment a Model of Financial Satisfaction Predictors: Examining the Mediate Effect of Financial Behaviour and Fi-nancial Strain. World Applied Sciences Journal 20(2):190-197 • January 2012 .
Louis E.Boone, David L.Kurtz, Douglas Hearth. (2000). Planning Your Financial Future. The Unit-ed States of America: Dryden Press.
Lok, Yiing-Jia (2017). The Influence of Socio-Demographic and Financial knowledge Factors on Financial Management Practices of Malaysians. International Journal of Business and Society, Volume 18, No. 1.
Marianne A. Hilgert and Jeanne M. Hogarth (2003). Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Bulletin, Board of Gov-ernors of the Federal Reserve System (U.S.), issue Jul, pages 309-322.
Maria Sakalaki at al.(2006). Association of Economic Internality With Saving Behavior and Mo-tives, Financial Confidence, and Attitudes Toward State Intervention. Journal of Applied Social Psychology 35(2):430 -443 • July 2006.
Marican., Roza Hazli Zakaria, Noor Ismawati Mohd Jaafar & Sabitha and Marican., Roza Hazli Zakaria, Noor Ismawati Mohd Jaafar & Sabitha (2012) Financial Behavior and Financial Position: A Structural Equation Modelling Approach. Middle-East Journal of Scientific Research, 11 (5). pp. 602-609.
Michel Lejoyeux at al. (2011). Money attitude, self-esteem, and compulsive buying in a population of medical students. Front Psychiatry. 2011 Mar 30;2:13. doi: 10.3389/fpsyt.2011.00013. eCollection 2011.
Mirowsky and Ross (2003) Motivating Economic Achievement. New York : Free Press
Mohamad Fazli Sabri and Leila Falahati (2012). Estimating a Model of Subjective Financial Well-Being among College Student. International Journal of Humanities and Social Science. Vol. 2 No. 18; October 2012.
Mohamed E. Ibrahim & Fatima R. Alqayd (2013). Financial Literacy, Personal Financial Attitude, and Forms of Personal Debt among Residents of the UAE. International Journal of Economics and Finance ISSN 1916-971X (Print) ISSN 1916-9728 (Online).
Muhammad Ali Jibran Qamar, Muhammad Asif Nadeem Khemta*, Hassan Jamil (2016). How Knowledge and Financial Self-Efficacy Moderate the Relationship between Money Attitudes and Personal Financial Management Behavior. European Online Journal of Natural and Social Sciences 2016, Vol.5, No.2 pp. 296-308, ISSN 1805-3602.
Naila Al Kholilah and Rr. Iramani (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking. Volume 3, No.1, May 2013, pages 69 – 80.
Ngoc Mien & Phuong Thao (2015), The Knowledge-Creating Company. Harvard Business Review, 69, 96–104.
Nguyen Thi Ngoc Mien, Tran Phuong Thao (2015). Factors Affecting Personal Financial Manage-ment Behaviors: Evidence from Vietnam. Proceedings of the Second Asia-Pacific Con-ference on Global Business, Economics,Finance and Social Sciences (AP15Vietnam Con-ference) ISBN: 978-1-63415-833-6 Danang-Vietnam, 10-12 July, 2015 Paper ID: VL532.
Nicki A. Dowling, Tim Corney, and Lauren Hoiles (2009). Financial Management Practices and Money Attitudes as Determinants of Financial Problems and Dissatisfaction in Young Male Australian Workers. Journal of financial counseling and planning, vol. 20, no. 2, pp. 5-13.
Nyeand & Hillyard (2013), Guide Personal Finance. New Orlean: Printice Hall.
OECD (2012). OECD Guidelines on Measuring Subjective Well-Being.
Parrotta, J. L., & Johnson, P. J. (1998). The Impact of Financial Attitudes and Knowledge on Fi-nancial Management and Satisfaction of Recently Married Individuals. Financial Coun-seling and Planning, 9, 59-75.
Parrotta & Johnson (1998), Retrieved February 25, 2008, from http://www. cfp.net
Paul Gerrans, Craig P. Speelman and Guillermo J. Campitelli (2013 ). The Relationship Between Personal Financial Wellness and Financial Wellbeing: A Structural Equation Modelling Approach. Journal of Family and Economic Issues. June 2014, Volume 35, Issue 2, pp 145–160.
Pete Nye & Cinnamon Hillyard (2013). Personal Financial Behavior: The Influence of Quantitative Literacy and Material Values. Cinnamon Hillyard, University of Washington Bothell.
Porter, N. M., & Smith, P. C. (1991). Organizational Work. Personal Factor in Employee and Ab-senteeism. Psychological Builletin 80 No.2.
Prawitz, Aimee D.; Cohart, Judith (2016). Financial Management Competency, Financial Resourc-es, Locus of Control, and Financial Wellness.Journal of Financial Counseling & Planning. 2016, Vol. 27 Issue 2, p142-157. 16p. 3 Charts. DOI: 10.1891/1052-3073.27.2.142.
Richard J. Stillman (1985:7) Guide to Personal Finance. New Jersey: Prentice Hall.
Robb & Woodyard (2011) Traditional Midwives as Family Planning Communication in Asia. Honolulu: The East West Communication Institute.
Robb, M. (2011). Counting more than Number. Accountancy, 128.
Roza Hazli Zakaria and al. (2012) Sex and Money: Gender Differences in the Use of Surrogate Consumers for Financial Decision-Making. Journal of Professional Services Marketing, 7, 167-182.
Salamanca at al. (2016) Consumer Behavior. 5th ed. New Jersey: Prentice-Hall.
Sandra J. Huston(2012). Financial literacy and the cost of borrowing. International Journal of consumer studies.Volume36, Issue5, September 2012, Pages 566-572.
Shim S. and al. (2009). An Online Repurchased Intention Model: The role of Intention to Search.Jornal of Retailing.
Soyeon Shim and al.(2009). Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education. Journal of Youth and Adolescence. December 2010, Volume 39, Issue 12, pp 1457–1470.
Steers Porter. (1977). Antecedents and Outcomes of Organization Commitment Administrative Science Quarterly. 22 ZMarch 1997: 28-56.
Subarna Bir J.B.R (2014). Knowledge, Attitude and their Effect on the Recently Graduated Employees’ Financial Management Practices and Satisfaction. Economic Literature, Vol. XII (69-81), December 2014.
Tahira K. Hira and Olive M. Mugenda (1999). Predictors Of Financial Satisfaction: Differences Between Retirees And Non-retirees. Journal of Family and Consumer Sciences January 1, 1999
Tang, T. L. P. (1995). The Development of a Short Money Ethic Scale: Attitudes Toward Money and Pay Satisfaction Revisited. Personality and Individual Differences, 19, 809-816
Teresa DaVigo (2005). Money Attitude and Behavior From an Attachment Perspective. Thesis (Ed. D.)--Seattle Pacific University, 2005.
Vanessa G. Perry and Marlene d. Morris (2005). Who Is in Control? The Role of Self‐Perception, Knowledge, and Income in Explaining Consumer Financial Behavior. Journal of Consumer Affairs 39(2):299 -313 • September 2005.
Wang and al.(2011) . Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China. Journal of Economic Psychology. Volume 32, Issue 1, February 2011, Pages 179-193.
Ho Pooi Yen, Ng Jo-Lyn Siew Mun Keat (2013). Financial Satisfaction Among the Urban Elderly in Selangor, Malaysia. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics,Finance and Social Sciences (AP15Vietnam Conference) ISBN: 978-1-63415-833-6 Danang-Vietnam, 10-12 July, 2013 Paper ID: VL532.
Zakaria Z. and al. (2012). Tourists’ Expectation and Perceptions on the Service Quality in Malaysian. Tourism Industry Global Business and Management Research. An International Journal.
Downloads
Published
2019-03-13
Issue
Section
Research Articles
License
บทความที่ได้รับการตีพิมพ์เป็นลิขสิทธิ์ของ สถาบันวิทยาการจัดการแห่งแปซิฟิค
ข้อความที่ปรากฏในบทความแต่ละเรื่องในวารสารวิชาการเล่มนี้เป็นความคิดเห็นส่วนตัวของผู้เขียนแต่ละท่านไม่เกี่ยวข้องกับสถาบันวิทยาการจัดการแห่งแปซิฟิค และคณาจารย์ท่านอื่นๆในสถาบันฯ แต่อย่างใด ความรับผิดชอบองค์ประกอบทั้งหมดของบทความแต่ละเรื่องเป็นของผู้เขียนแต่ละท่าน หากมีความผิดพลาดใดๆ ผู้เขียนแต่ละท่านจะรับผิดชอบบทความของตนเองแต่ผู้เดียว
