ปัจจัยที่มีอิทธิพลต่อการใช้สินเชื่อนอกภาคการเกษตรของลูกค้าธนาคารเพื่อการเกษตรและสหกรณ์การเกษตร จังหวัดลำพูน

Abstract

The study entitiled, “Factors influencing non-agricultural credit using of Bank for Agriculture and Agricultural Co-Operatives of Lamphun” has the objective to study characteristics of non-agricultural credit using, factors influencing non-agricultural credit using and customer‘s satisfaction towards non-agricultural credit using of Bank for Agriculture and Agricultural Co-Operatives of Lamphun. The result of the study showed that most of the questionnaires respondents were male with 3-4 family numbers, 2 family labors and primary school education level. Most of them were private practice with 6-10 years being customers of Bank for Agriculture and Agricultural Co-Operatives. In term of economic characteristics, average family income of most respondents was not over 100,000 baht, average agricultural income was not over 50,000, average family debt was not over 100,000 baht, average consumption expense was 1-50,000 baht and had 6-10 years experience doing agriculture. In term of agricultural characteristics, most respondents had their own land and average agricultural expense was 1-50,000 baht. In term of transaction with Bank for Agriculture and Agricultural Co-Operatives, most respondents had loan credit 50,001-100,000 baht, loan for expense 50,001-100,000 baht and loan interest rate 7.00 % per year. They had ability to repay debt on schedule and had loan collateral from all choices. They contacted with Bank for Agriculture and Agricultural Co-Operatives 1-2 times per year, never loan money from the other sources and wanted to loan more money from Bank for Agriculture and Agricultural Co-Operatives. Regarding customer‘s satisfaction towards non-agricultural credit using of Bank for Agriculture and Agricultural Co-Operatives of Lamphun. In term of the credit service quality, most respondents satisfied with correctness and accuracy of documents, justice and equality for customer, service area and the instruction about non-agricultural occupation. In term of customer loans, most respondents satisfied with using land to mortgage and construction to guarantee, outstanding debt could use for guarantee another person‘s loan but could not use for their loan and had the highest satisfaction for using personal guarantee that not over 150,000 baht. In term of operation after customer loans, most respondents had the highest satisfaction for using loans from 70 % of the correct loans project, bringing loan out periodically must be checked, reminding of debt repayment individually, postponement of debt repayment was not more than 5 times and most of respondents wanted to use non-agricultural credit of Bank for Agriculture and Agricultural Co-Operatives of Lamphun. Ability to repay found that differences in income and household contact with employees. Factors that affect customer demand for non-agricultural use of credit by Bank for Agriculture and Agricultural Co-peratives Lamphun using Logit model indicated that the factors that affect customer demand for credit in the agricultural sector, the Bank for Agriculture and Agricultural Co-peratives. Lamphun include officers / employees of private companies. Experience in the profession and the cost of agriculture.