The Development of Overdue Payment Debt for Agriculture Rattanaburi Cooperative Member’s Surin Province

Abstract

The objectives of this research aimed 1) to study the factors of debt payment for agricultural credit of members of Rattanaburi agricultural cooperative limited, 2) to compare the outstanding debt factors for agriculture classified by loan amount, membership duration, and types of collateral, and 3) to study suggestions for the development of outstanding loans for agricultural credit of members of Rattanaburi agricultural cooperative limited. This research used mixed method including two steps. The first step was a quantitative research which was a data collection from 227 members. The statistics of analysis were frequency, percentage, mean, standard deviation, and hypotheses testing using one-way analysis of variance. The second step was a qualitative research which was a focus group discussion from 12 members. The results found that the outstanding debt factor in total was at a high level. Furthermore, the hypotheses testing of comparative the outstanding debt factors found that the loan amount, membership duration, and types of collateral were no statistically significant difference at the level of 0.05 (P>0.05). Moreover, the suggestions of development of overdue payment debt for agriculture were the government sector or the bank for agriculture and agricultural cooperatives should train the members to increase their knowledge of promoting agricultural careers.