SAVINGS PATTERNS CAPITAL FORMATION TO MANAGE HOUSEHOLD DEBT FOR AGING SOCIETY DIGITAL ECONOMY IN SAMUT SONGKRAM
The objectives of saving potential for our country economic stability were to study the potential of household saving in usual lifestyle and to educate the suitable saving knowledge and create the useful handout for the Thai savers monetary future planning in Samut Songkram. For quantitative research technique, the results from 400 sampling savers revealed that they were well-educated, having upper medium to high revenue and had average saving rate between 25 – 30 % of their income. Their main purpose of saving was for spending in the end of life period. As for the pattern of savings / investment they approached to the commercial bank, purchase the lottery 3 years from Government Saving Bank and invest in life insurance policies more than invest in financial assets in The Stock Exchange of Thailand because of the household savers understood the lump sum risk from SET and they did not want to face with fluctuation movement. For qualitative research technique by an in-depth interview with 15 savers showed their vision that “SAVING” for life was essential for everyone. The highest proportion of savings was distributed to deposit in commercial bank, deposit in their office saving co-operation and invest in life insurance policies. As for the high income household or the new family was allocated to the investment in landed property and sometimes in valuable stones and the bullion and the new discovery is perennial plant in the way of agriculture life is a value added for their real estate in the theme of saving pattern.