Factors Affecting Systematic Liabilities of Ban San That, Si Mueang Chum Sub-District, Mae Sai District, Chiang Rai Province

Abstract

The Study of Factors Affecting Systematic Debt of Ban San That, Si Mueang Chum Subdistrict, Mae Sai District, Chiang Rai Province. The objective is to study the borrowing behavior in the system of farmer households. And factors affecting the systematic debt of the agricultural households at Ban Santhat, Si Mueang Chum Sub-district, Mae Sai District, Chiang Rai Province. Using questionnaires from members of Mae Sai Agricultural Cooperative Limited, Ban San That, Si Mueang Chum Sub-district, Mae Sai District, Chiang Rai Province. From the members of Mae Sai Agricultural Cooperative Limited amounted to 136 samples. The statistics used for data analysis are mean and standard deviation. Found that most of them were male, 89.71% and female, 10.30%. Most of them were aged 41-50 years, accounting for 31.62%, followed by age 51-60 years, representing 29.41%. Primary education accounted for 41.18 percent, followed by high school, 36.76 percent, most of whom had marital status, accounting for 80.15 percent, followed by divorce status 10.29 percent.

Borrowing behavior in the agricultural household system Most of them had total expenditures per month on average in the range of 5,000-10,000 baht or 40.44 percent. The average monthly total expenditure was in the range of 10,000 - 15,000 baht or 38.97 percent. Range less than 5,000 baht, equivalent to 17.65 percent           

As for the factors affecting the debt in the system of agricultural households, 3 main factors were found that in the overall picture of agricultural households. Has given the greatest importance to income The mean of significance of 3.95, which the respondents saw as the most important is income that is not enough for expenses. The second most important factor is the service factor. The mean is 2.05.           

The most important thing in debt is Duration of repayment Because they must be aware of their ability to pay back and the last factor, which is considered to be important at the same moderate level The cost factor was the total average of 2.62, with the view that high consumption expenditure was very important to the debt burden.         

From the study results, factors of income are not enough with expenditures. It is important to make debt decisions. Resulting in a decision to find a loan source to use in life Which the government can use information to solve problems Increase income (increase productivity / increase quality / extend product life, etc.), reduce expenses (prepare accounting / help reduce costs / etc.), expand opportunities (educate / legalize / take advantage) to people in the area.