FINANCIAL RESILIENCE AND FLOOD IMPACT LEVELS AFFECTING HOUSEHOLD EXPENDITURE MANAGEMENT AND RECOVERY LEVELS IN HAT YAI DISTRICT, SONGKHLA PROVINCE

Abstract

This study aimed to examine the effects of personal factors, financial resilience factors, and the level of flood impacts on household expenditure management and recovery in Hat Yai District, Songkhla Province. The findings revealed that: 1) personal factors, including occupation, number of household members, average monthly household income, and characteristics of the main source of income, significantly affected household expenditure management and recovery at the.05 significance level; 2) financial resilience factors, including savings and financial management, access to sources of funds, and the ratio of regular household expenses to income, significantly affected household expenditure management and recovery at the.05 significance level; and 3) flood impact factors, particularly occupational impact, significantly affected household expenditure management and recovery at the.05 significance level.

Keywords: Financial Resilience, Flood Impact, Household Expenditure Management and Recovery