ผลของความรู้สึกมั่นคงในการทำงานที่มีต่อการออมไว้ใช้ยามฉุกเฉินของพนักงานธนาคารในจังหวัดเชียงใหม่

Abstract

Nowadays, technology plays a greater role in daily life, developing rapidly and potentially affecting the economy by replacing human labor, leading to a reduction in the employment of bank employees. Consequently, saving money becomes an important aspect of future financial planning. This study aimed to examine the effects of job security perception on precautionary savings of bank employee in Chiang Mai Province. A random sample of 400 participants was taken, revealing that the majority of them had an average monthly income ranging from 20,001 – 40,000 baht. Their savings were in the form of savings deposits and fixed deposits, with an average monthly savings amount ranging from 1 – 5,000 baht. In assessing job security, the study found that employees who felt insecure about their job and faced the risk of job loss had sufficient savings to cover expenses for 6 to 12 months. By analyzing the relationship between job security and precautionary savings, the study concluded that employees with a master's degree and higher average monthly income tended to save more. Additionally, employees who received suitable bonuses, regardless of their organizational level, demonstrated a higher inclination for saving. Nevertheless, if employees receive welfare benefits or increased compensation, they are more likely to allocate additional funds for emergencies. However, a favorable economic situation will lead to a decrease in precautionary savings. Nonetheless, the feeling of job security does not significantly impact on precautionary savings.