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This study identifies factors that influence the saving behaviour of salaried individuals in Thailand. The results of the univariate and multivariate analyses show that income, age, marital status, number of children and educational level have a positive influence on the individuals’ average saving. The study indicates that those individuals who do not save and are not willing to save have a more indifferent attitude towards the factors of willingness to save than the individuals who save or are willing to save. The logit regression results also show that the odds of saving willingness are positively influenced by gender, other financial dependents and household income. The proposed model of influence on saving suggests that an individual will take a series of actions on saving if he/she has a surplus portion of income, a concern for future spending and a trusted saving product.
Swasdpeera et al. (Sun,) studied this question.