แนวทางการแก้ไขปัญหาหนี้สินของประชาชนในจังหวัดภูเก็ต

Abstract

The guidelines for solving the debt problems of people in Phuket aims to study sustainable development goals (SDGs) and other theoretical concepts as a qualitative research approach. Data was collected through in-depth interviews with bank executives, cooperative executives, credit union executives, and borrowers from banks or financial institutions in Phuket province, totaling 6 individuals. This research also aims to identify factors related to debt issues that are correlated with the guidelines for solving the debt problems of people in Phuket as a quantitative research approach. Data was collected using questionnaires from 399 households residing in Phuket province. Statistical methods used in the research included descriptive statistics, which involved frequency, percentage, mean, and standard deviation calculations. Inferential statistics were used to analyze the data, including correlation coefficient calculations. The study revealed that the SDGs that were most frequently incorporated into the guidelines for solving the debt problems included Goal 1: No Poverty and Goal 8: Promoting sustained economic growth, inclusive and sustainable, full-time employment, productive work, and suitable job opportunities for everyone. Other strategies which are most considered by the sample group included negotiating for debt restructuring. In the analysis of factors contributing to debt issues related to the guidelines for solving the debt problems of people in Phuket, 7 dimensions were identified: income, economy, expenses, attitudes, consumption behavior, debt purposes, and lack of financial management knowledge. These dimensions were found to be associated with strategies such as financial planning in households, increasing household income, debt consolidation, debt reduction through principal and interest reduction, selling some assets to repay debt, seeking alternative lenders, participating in government assistance programs, and being personal bankruptcy.