การก่อหนี้และวิธีการจัดการหนี้สินที่ส่งผลต่ออิสรภาพทางการเงินของสมาชิกสหกรณ์ออมทรัพย์แห่งหนึ่ง

Abstract

The purpose of this research was to study debt formation and debt management methods of members of Savings Cooperative Limited, which was a quantitative research. The study was conducted with members of Savings Cooperative Limited who had 2 or more loan agreements totaling 370 sets, and identify the relationships between variables that exist in the form of multiple regression analysis. The conclusion from the analysis revealed that the majority of the members was found that the cause of debt creation from basic needs mainly come from housing which has a positive effect on having financial freedom in terms of wealth. The cause of debt from other factors mainly arise from the cause of travel which has a negative effect on financial freedom in terms of survival and wealth. However, members can manage debt by increasing income and reducing expenses which is a way to have a positive effect on financial freedom in both survival and wealth. From the results of this study can be utilized for the development of quality credit products that meet the needs of members and it can also control capital expenditure according to the purpose of lending which is one method that can help to reduce debt problems and can improve their quality of life.