Factors Affecting Savings of the applicant for the service of the Government Savings Bank in Lampang Province

Abstract

         The purposes of this research were to examine the saving behaviours and study factors affecting the behaviour of the applicant who saving at the Government Saving Bank in Lampang province.

        The study was conducted among working-age people aged between 23-60 years both female and male. According to the data from the Lampang Provincial Statistical Office, there are a total of 390,498 working-age people in Lampang Province. The sample was selected using convenience sampling and the questionnaire was used as the instrument for collecting data from a sample of 400
people.

            The statistics used in the data analysis were descriptive statistics such as percentage, mean and standard deviation. The inferential statistic was used to analyse the connections between market mix and yield factors. The liquidity factor
and saving behaviours used the Multiple regression analysis.

        The result of the study revealed that the sample group chose to deposit money in a bank or a financial institution the most and when considering the relevant research findings factors in terms of the marketing mix, yield, and liquidity affected the saving behaviour of working-age groups in Lampang Province, It was found that only the yield and liquidity factors were able to predict the saving behaviours. The marketing mix factor was unable to predict the saving behaviours with statistical significance.