ประสิทธิผลของโครงการพักชำระหนี้และลดภาระหนี้ปี 2555 ในอำเภอเมือง จังหวัดเชียงใหม่

Abstract

The purpose of this study are 1) to analyze the effectiveness of Debt Deferment and Reduction Program of the Year 2012 in Mueang District, Chiang Mai Province 2) to study the agriculturist attitudes toward the effectiveness of Debt Deferment and Reduction Program of the Year 2012 in Mueang District, Chiang Mai Province 3) to study problems and suggestions of agriculturists from participating Debt Deferment and Reduction Program of the Year 2012 in Mueang District, Chiang Mai Province. Data was collected by using questionnaire to random sample of 327 agriculturists, and also analyzed by using descriptive statistics, paired t-test, Likert scale, Chi-Square test and descriptive summarize the study result. The result of the research shows that the samples group were mostly male, aged between 51-60 years old, get married, mostly agriculturists and be a customer of the BAAC bank less than or equal 20 years. The analysis of program effectiveness in economic found the program effectiveness in the agriculturist’s income, expense, informal debt and saving money due to the agriculturists have time for his vocational rehabilitation and earn money. The preparation of the household accounts made the agriculturists realized their unnecessary expenses and reduce those expenses, thus remain money for informal debt and saving. However, the program has no effectiveness on formal debt as most agriculturists choose to participate in programs to suspend the principal repayment. The formal debt was not reduced. The analysis of program effectiveness in social found a comment on the economic impact of the community, the effect on the overall economy of the country and the effect

on the society of agriculturists at a high level. The study of the agriculturist attitudes toward the effectiveness of Debt Deferment and Reduction Program, found that most of agriculturists attitude are agreed on the service of this debt deferment and reduction program and objective of the program. This result is showing that agriculturists have a positive attitude towards the program in these fields. The study of factors that influence the attitudes of agriculturists of this program found that age, education and time being a customer of the BAAC bank relate to the service of the program. For the study of the purpose of the program, found that the factors effect to agriculturists attitude are sex, age, education and time being a customer of the BAAC bank. The study of problem and barrier found that most agriculturists have the problem of service of the program, on both not having specific department or representative for this particular program, and not receiving comfortable service. The program should establish specific department or employee of this particular program and should schedule different of payment date for each agriculturists or mobile service outside the office to get simple and fast service. Regarding the knowledge and understanding of the program, the agriculturists do not know contact channels and hesitate to ask the representative during a meeting or not attend the meeting. For the public relations found that the media that use to promote the program do not reach agriculturists and also, few number of public relations program. For the vocational rehabilitation, the agriculturists have no consultant about this field and there is no training program for this field. Therefore, should encourage the agriculturists to attend the meeting and should clarify the agriculturists to understand about the project details, project purpose, terms and conditions since their first participate in the project, during the project participation, until the project completed to get the agriculturists to comply with the objectives of the project and to give the most benefit to agriculturists.