ปัจจัยทำให้เกิดการค้างชำระหนี้ของสมาชิกสหกรณ์อิสลามอิบนูอัฟฟาน จำกัด สาขายะลา

Abstract

The study entitled Factors Affecting the Members' Unpaid Debts of Tonu Affan Islamic Co-Operative Limited (Yala Branch) aimed at i) investigating the factor levels of the members' unpaid debts of the cooperative ii) comparing the factor levels of the members' unpaid debts of the co-operative as well as comparing their opinions from the questionnaire following gender, age, marital status, religious and secular educational level, membership duration and salary and iii) proposing ways in solving the problems of the members' unpaid debts of the co-operative. This was a* qualitative and quantitative study using a survey of questionnaire, and the informants are 370 members of Ibnu Affan Islamic Co-Operative Limited (Yala Branch). The data analyses used in this study were Frequency, Mean, Standard Deviation, T-test and One-Way Anova. The findings were as follows: 1) The factors of the members' unpaid debts of the co-operative in overall picture were in the low level. Once each aspect was analyzed, it was found that the external factors of the co-operative were in the highest level of the mean scores followed by the factors relevant to the members, and the internal factors showed the lowest level. 2) According to the comparison of the factor level of the members' unpaid debts of the co-operative, it was found that gender, age, marital status, religious and secular educational level, membership duration and salary were statistically significantly different at the level of .05 3) The suggestions and recommendations regarding problem solving of the members' unpaid debts of the co-operative were as follows. The debt suspense should be provided particularly in the rainy season to help the members who are farmers. The due extension of the debt installment should be provided. For example, new members' debt contracts should be adjusted as well as opening new payment through counter services, ATM, new applications on hannels such as payinänd so on. Moreover, the suggestions from the group cellphones, automobiles discussion were as follows. The debt transference should be provided in case of couples' divorce and building the members' awareness regarding trust (Amanah) and responsibilities towards debts. Takaful fund as an internal factor of the co-operative should be provided in case of the members' accidents, diseases and death. Increasing the privilege to the members with excellent debtors providing optional and various promotions. Motivation reinforcement towards outstanding members using coupons and lucky draws. Furthermore, the external factors of the co-operative were as follows. Training members in order to have good understandings and skills to the group leaders was needed, and government sectors should support members' training regarding making household account and providing certain funds for the development of better lives.