วารสารเศรษฐศาสตรปร�ทรรศน สถาบันพัฒนศาสตร ปที่ 6 ฉบับที่ 2 กรกฎาคม 2555 A New Financial Instrument for Thai Urban Poor: A Case Study in Bangkok Metropolitan Area Pornpen Vora-Sittha* Abstract This study surveys the behavior of the urban poor in savings and in buying lotteries. It aims to analyze the possibility of replacing lotteries with lottery- linked saving instruments issued by banks in order to boost the long term savings of the low-income group. Data used in this study are from preliminary survey of 4,000 observed poor in Bangkok. Results of the survey confi rm that lottery is the most popular fi nancial investment among the Thai poor in Bangkok since their face of limited investment alternatives. Their behaviors in terms of their buying lottery indicate the promptness of the poor in responding to the program of mobilizing their lottery-money to long term savings. Keyword: Lottery-Linked Saving Instrument, Urban Poor, Bangkok Metropolitan * Associate Professor of Economics, School of Development Economics, National Institute of Development Administration, 118 Seri Thai Road, Bangkapi, Bangkok 10240, Thailand. E-mail:
[email protected] This paper was presented at The 6th International Conference on the Regional Innovation and Cooperation in Asia (RICA) “East Asian Integration: Food, Fuel, and Financial Securities”, at the School of Development Economics, National Institute of Development Administration (NIDA), Bangkok, Thailand, on February 24, 2012 เครื่องมือทางการเงินแบบใหมสําหรับคนจนในเขตเมือง กรณีศึกษาจังหวัดกรุงเทพมหานครและปริมณฑล