??????????????????????????????????????????????????????????????????????? SMEs ??????????????

Abstract

Research on Factors Affecting The Repayment Ability To Financial Institutions of SMEs in Songkhla Province, The purpose of this study was to study Factors Affecting The Repayment Ability To Financial Institutions And Analysis of the business environment before starting a business of SMEs in Songkhla Province, There were 390people. Descriptive data were analyzed by percentage, Frequency, Mean and Standard Deviation. The independent sample T-test was used to test the differences between the two groups of variables, and the One-Way ANONVA was used to test the differences. If differences were found, the pairs were tested with LSD (Least Significant Difference) and Multiple Regression Analysis. At 0.05 significance level. The study found that analysis of factors affecting the repayment ability to financial institutions found that general information on SMEs businesses in terms of loan characteristics and the number of different financial institutions currently lending There is a difference in the ability to repay debt to financial institutions, As for the type of business, Period of business, Financial institutions with the highest loan debt burden, Types of securities used to secure most loans, Purpose of the loan and debt repayment, history in the past 12 months different There are different debt repayment abilities. Statistically significant at the 0.05 level. and analyzing the environment before starting a business. Affects the ability to repay debts to financial institutions. Statistically significant at the 0.05 level, Factors that affect the ability to repay debt include factors within the SMEs business, such as allocation of money within the business, Average monthly income, Average monthly expenses and factors outside the SMEs business, including economic conditions, measures/policies of financial institutions, Government support policy, Amount of loan received from the bank Affecting the ability to repay debts to financial institutions of SMEs in Songkhla Province. Statistically significant at the 0.05 level.

?????????????? ??????????????????????????????????????????????????????????????????????? SMEs ?????????????? ?????????????????????? ????????????????? ?????????????????????????????????????????????????????????????????? ????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? SMEs ?????????????? ????????????????????????????? (Questionnaire) ??????????????? SMEs ?????????????? ????? 390 ?? ???????????????????????????????????????? (Percentage) ???????????????? (Frequency) ????????? (Mean) ?????????????????????? (Standard Deviation) ??????????????????????????????????????? (Independent Sample T-test) ????????????????????????????????????? 2 ????? ????????????????????????????????????????????? (One-way ANOVA) ????????????????????????????????????????????????????? ????????????? LSD (Least Significant Difference) ?????????????????????????????? (Multiple Regression Analysis) ? ?????????????????? ?????? 95 ?????????????????????????????? 5 ??????????????? ???????????????????????????????????????????????????????????????????? ????? ?????????????????? SMEs ??????????????????????? ????????????????????????????????????????????????????? ????????????????????????????????????????????????????????? ???????????????????? ????????????????????????? ?????????????????????????????????????????? ??????????????????????????????????????????????????????? ????????????????????????? ?????????????????????????? 12 ?????????????? ????????????? ?????????????????????????????????????? ??????????????????????????????? 0.05 ??????????????????????????????????????????????? ??????????????????????????????????????????????? ??????????????????????????????? 0.05 ???????????????????????????????????????????? ?????????? ????????????????? SMEs ?????? ????????????????????? ???????????????????? ????????????????????? ????????????????????? SMEs ?????? ???????????? ???????/??????????????????? ??????????????????????? ??????????????????????????? ?????????????????????????????????????????????????????????????? SMEs ?????????????? ??????????????????????????????? 0.05