Indebtedness of government officials: a case study of Royal Aide-De-Camp Department

Abstract

This study was aimed to investigate income and expenses which led to indebtedness of Royal Aide De Camp Department noncommissioned officers. The questionnaire was administered as the instrument for collecting data and the investigation was performed among the entire population using Survey Analytic Studies. The samples were 40 Royal Aide-De-Camp noncommissioned officers. The results of the study revealed that most officers had 100,001 – 500,000 in estimate and took on more public loan than pawnbroker’s loan. The public loans were taken from Cooperative saving banks while the pawnbroker’s loans were from relatives or friends. Their consumption behavior which caused indebtedness was expenses on buying household equipment such as washing machines, fridges, televisions, etc. From primary analysis, noncommissioned officers who were most in debt were Sergeant Major 3rd class(SM.3), Sergeant Major 2nd class (SM.2), and Sergeant Major 1st class (SM.1) who had worked for over ten years. They were married and had children but their spouses did not work with the total income of 5,000 Baht.