Factors Affecting the Outstanding Debts of Members of Amanah Suksamran Credit Union Cooperative Limited, Ranong Province

Abstract

            The objectives of this research were to 1) study the relationship between risk factors and overdue debt payments among members of Amanah Suksamran Credit Union Cooperative Limited 2) find the causes and level of importance of the causes causing overdue payments. debt and 3) study problems and provide suggestions for resolving outstanding debt payments.

            The population used in this study was 108 members of Amanah Suk Samran Credit Union Cooperative Limited with outstanding debts. The study was based on the entire population. The tool used for data collection is a questionnaire. Statistics used for data analysis include frequency, percentage, mean, standard deviation. and chi-square test.

            The results of the study showed that 1) Economic and social factors of members Cooperative management factors and the debt repayment behavior factor has a statistically significant relationship with cooperative members' overdue debt payments. 2) Members give importance to government policy. Regarding the situation of the spread of the COVID-2019, cooperative management is at a high level and debt repayment behavior is at a moderate level 3) Problems and suggestions for solving the problem of overdue payments of members' debts. The problem found is that the committee still lacks knowledge. Ability in credit the service is not ready yet. and there are no adequate staff to provide services It is recommended that there should be enough loan officers to provide services and there should be continuous training and knowledge for the loan committee.