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Abstract:
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This study proposed to evaluate the type of agricultural credit card usage and factors effect to debt payment as well as problems and obstacles of agricultural credit card. 3 Sample groups of customers (370 customers) of Bank for Agriculture and Agricultural Cooperatives in Mae Hong Son province were determined by the survey research, sample groups including 1) customer sample who delayed payment more than 3 months (6 customers) 2) Customer sample who delayed payment less than 3 months (75 customers) and 3) customer sample who delivered payment on time (289 customers).
The study found that type of credit card usage is 1-2 times/month in all sample groups. The credit card were used at production factor retailing shop which registered by Bank for Agriculture and Agricultural Cooperatives. The purchased item is fertilizer. The factor effect to credit card payment shows that customer sample who delayed payment more than 3 months paid attention on debtor factor and bank factor at medium level and external bank factor (surrounding effect) at high level. Customer sample who delayed payment less than 3 months paid attention on debtor factor at medium level, bank factor at low level and external bank factor (surrounding effect) at high level. While customer sample who delivered payment on time paid attention on debtor factor and bank factor at medium level and external bank factor (surrounding effect) at high level. Also, problems and obstacles of agricultural credit card payment are the delay of payment notification received, debt payment understanding, debt payment schedule and low price production problem.
The suggestion in this study is 1) Promote the integration of farmers and encourage farmers to reduce the use of chemicals in production 2) Set the repayment schedule to match the source of income of customers and should have a credit limit review of farmers credit cards every year 3) Measures to help customers to prevent overdue debt and measures to help farmers If farmers are causing price problems Or problems caused by natural disasters 4) The bank should promote financial literacy. And should increase the form of payment notification and increase payment channels 5) Bank employees should clarify details about conditions for using agricultural credit cards and debt repayment
Keywords: Bank for Agriculture and Agricultural Cooperatives, Agricultural credit card, Agricultural loans, Farmer
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