Abstract:
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This study is “Study the relationship between macroeconomic factors and SME lending in the Northern region”. The objectives of the study were to study the performance of small and medium enterprises and Government Savings Bank in Northern Thailand and to study the impact of economic variables on the value of SME loan services of Government Savings Bank in Northern Thailand. Data collection from the Bank of Thailand. Data is secondary Data, Time Series Data, from the year 2011 to 2016, using the Seemingly Unrelated Regression Model
Total value of credit to small and medium enterprises of The Government Savings Bank in Upper Northern Region 1 had an average of 499.296 million baht per year. Region 2 had an average annual rate of 512.682 million baht. Region 3 had an annual average of 451.908 million baht. Region 4 had an annual average of 474.622 million baht. And district 5 (Lamphun) had an average of 576.254 million baht per year.
The study indicated that the total value of SME loans in the Northern region, Zone 1, Zone 2, Zone 3 and Zone 4 was correlated with gross domestic product inflation Interest rate policy return on assets was statistically significant at the 0.05 level.
The total value of SME loan size in Northern Region 5 was correlated with gross domestic product inflation Interest rate policy return on assets was statistically significant at the 0.01 level.
Keywords: SMEs, Macroeconomics, Government Savings Bank, Relationship, Upper Northern
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