Income and Expenses Affecting Saving Behavior of Revenue Department Officers.

Abstract

Most people nowadays pay more attention to saving money due to economic problems as well as looking to the future about the expenses necessary to live. Saving money is the part that allows many people to achieve a set goal for any purpose, such as having their own assets or having money to spare when needed. In addition, savings can help solve financial problems that may arise in the future. The purpose of this research was to study the relationship between income and expenses that affect the savings behavior of the Revenue Department officers, the sample group was the Revenue Department officers of 100 people. Use questionnaires as a tool to collect data. The statistics used to analyze the data were mean and standard deviation (S.D.). The hypothesis test compared the difference between personal factors and saving behaviors using t-Test and F-Test values, and the income and expense hypothesis test had a positive influence on the savings behavior of the Revenue Department staff using the method of simple regression analysis. The results showed that different personal factors showed no difference in saving behavior at the statistical significance level of 0.05. The opinion level of income and expenditure had an overall average of 4.12 at a high level. In terms of income, the opinion level was as high as 4.35, at a high level and financial institutions were the least average of 3.93. Saving behavior with an overall mean of 4.23 at a high level. It was concluded that income and expenses were the variables that had a positive influence on saving behavior with a statistical significance of 0.01. The results of this research are presented as basic information for the benefit of future financial management planning for the Revenue Department officers in the future.