ปัจจัยที่มีผลต่อการชำระหนี้ของเกษตรกรลูกค้าธนาคารเพื่อการเกษตรและสหกรณ์การเกษตรที่เข้าร่วมโครงการพักชำระหนี้ ในจังหวัดสงขลา

Abstract

This research is aimed to study personal information, economic, social, psychology factors, knowledge and attitude of the debt suspension project, the Bank for Agriculture and Agricultural Cooperatives (BAAC) and the staff, and study the factors affecting loan repayment of farmer client of the bank for Agriculture and Agricultural Cooperatives on the debt suspension project in songkhla province. The sample of research were 357 farmers which client in the project on the fiscal year 2015. Data was collected by structure interview schedules and analyzed by Stepwise Multiple Regression Analysis for find factors affecting loan reoayment of farmer clients. The finding revealed that female and male were equal, age of farmers between 51 - 60 years old, and Buddhist. There are 3 - 4 household members, mostly primary school graduates. They were the client of the bank less than 10 years, a total holding area of 1 - 10 rai. The rubber was the main income between 50,000 - 100,000 baht per year and the expenses between 5,000 - 10,000 baht per year. Farmer had savings and deposits with BAAC and almost farmer clients had debt. They received information about BAAC, any projects or repayment from the BAAC staff. The farmers had a considerably positive attitude towards bank image, BAAC staff and the debt suspension project. They had the knowledge about the debt suspension project and repayment in a moderate level. The factors affecting loan repayment of farmers on the debt suspension project in songkhla province found that only attitude of bank image significance level 0.05. Therefore, the bank should be keep level of the farmer attitude by the public relation through a variety of media and increase the knowledge about the debt suspension project more than ever.