Abstract

This study aims to examine the financial literacy of Muslim local government officers in the three southern border provinces of Thailand, analyzing differences across personal demographic factors. This quantitative research utilized questionnaires for data collection, with a sample comprising 510 Muslim local government officers from Yala, Pattani, and Narathiwat provinces. Statistical analyses included frequency, percentage, and calculations performed with SPSS using the independent sample t-test to compare two independent groups and One-way Analysis of Variance (One-way ANOVA) for comparing the means of two or more groups.

The findings revealed that female officers had a higher average financial literacy than male officers. In terms of age, older officers generally demonstrated greater financial experience and understanding. Education level was positively associated with financial knowledge and skills, as officers with higher education levels tended to exhibit better financial literacy. Marital status also showed a significant effect, with married individuals demonstrating higher financial literacy compared to other statuses. Additionally, officers with higher average monthly incomes displayed superior financial management knowledge and skills. These results offer practical insights for enhancing financial literacy among Muslim local government officers in Thailand's three southern border provinces.