Credit Accessibility of SMEs in the Western Provinces of Thailand
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Abstract
This research aims to test factors relating to Credit Accessibility of SMEs in the Western Provinces of Thailand. The data was collected by using questionnaire from the 400 SMEs entrepreneurs in the Western Provinces of Thailand. Statistics used for data analyzing were means, percentage standard deviation and Pearson’s correlation coefficient.
The research results found that (1) Most of them are manufacturing firms follow by service firms and trading firms respectively. Almost full SMEs are small enterprises, registered in corporate forms, business operation are more than 5 years, age of entrepreneurs are in the range of 33-47 years and graduated bachelor degree or above. Major sources of finance came from total shareholder’s equity, financial institutions and the others respectively. (2) Sufficient condition factors and Necessary condition factors related to Credit Accessibility of SMEs on 0.84 and 0.67 at 0.05 significant levels. And (3) the related persons should develop SMEs entrepreneur’s knowledge and skills, facilitate sources of financing and support them to export opportunity.
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