Factors Affecting Household Debt Problems of Members of Tha Sae Agricultural Cooperative Limited

Abstract

   The objectives of this study were 1. to examine economic factors affecting the household debt problems of members of the Tha Sae Agricultural Cooperative Limited, and 2. to investigate social factors influencing the household debt problems of these members. The sample consisted of 282 cooperative members. The research instrument was a structured questionnaire comprising 51 items. Data were analyzed using a statistical software package, employing descriptive statistics—percentage, mean, and standard deviation—as well as multiple regression analysis.

   The results revealed that economic factors influencing household debt among the cooperative members were generally at a high level, with occupational costs identified as the most significant factor. Similarly, social factors were found to have a high overall impact, with personal values being the most influential. Hypothesis testing further indicated that economic factors—including overall economic conditions, occupational costs, and government support policies—significantly affect household debt problems. In terms of social factors, values, behaviors, and consumption patterns were found to have a statistically significant impact on the household debt issues faced by members of the Tha Sae Agricultural Cooperative Limited.