Abstract:
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This study aimed to evaluate factor effect of retail loan project for precautionary payment, behavior of those who have received credit approval under Government Saving Bank, in Chiang Mai province. According to proposese policy proposals and improve the policy to effectively distribute credit reach the target group to be able to raise the well-being of the people better. This study focuses on analyzing the relationship between causal structures and various variables, by using the structural equation model, it emphasizes on the correlations between external latent variables (Marketing Economy and Social) and internal latent variables (the demand for the Use of Retail Loan Project for Precautionary Payment. The data used in this study were primary data collected from 400 samples of credit service users.
The results of the analysis from the questionnaires show that the uses credit services under the Government Savings Bank in Chiang Mai. Most of them were female, 235 people, aged between 31 - 35 years and married. Most of them have the highest education at the bachelor degree level with an average monthly income between 10,001-15,000 baht and most of expenses are paid for other liabilities per month not over 5,000 baht.
The results by using the program (AMOS) found that at the significance level of 0.05, social factors (family status, study and health) affecting the demand for the use of retail loan project for precautionary payment directly and marketing and economic factors are related to social factors, so there is affecting the decision of the people who apply for the loan for retail loans for precautionary payment. The highest weight is occupational development is equal to 2.89, followed by price, weight is equal to 2.27 due to the need for precautionary payment of low-income people and do not want to rely on loan sharks that have a high interest rate. Therefore, looking for funding in a system that has a product model that meets the needs of low-
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income people It can also be used as a working capital in business and can start making financial plans as well.
Keywords: Loan project / Retail loan project / Precautionary payment / Government Saving Bank / Chiang Mai province
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