Guidelines for solving agricultural loan payment problems do not meet the target of Bank for Agriculture and Agricultural Cooperatives Joho branch

Abstract

The objectives of this study is for study to the guideline of loan payment increasing of agricultural customers to comply to the growth target of the Bank for Agricultural and Agricultural Cooperatives Joho Branch and increasing income from loan’s interesting and others fees. The data collecting tool is questionnaire from customers who used to apply to loan of the Bank for Agricultural and Agricultural Cooperatives Joho Branch by dividing to two groups are General customer and Agricultural customer by collected from March 31^st ,2016 to March 31^st ,2019 with 150 samples. The result of this study found that most person who answered were Ladies and married, most of them are averaged up to 50 years old, and graduated from High-school and lower, monthly income is lower than 10,000 Baht and the objective of loan application is for career expense by using collateral guarantee with land. The opinions about the effective factors for Products Loan approval, Price, Loan application channels, marketing Promotion, personal and physical is middle level and Loan application process is high level. The guideline for Loan approval increasing of Agricultural section is the identification of approximately interest ratio, collateral guarantee assessment to comply to the sale price and equal to others financial institutes, improve the service avenue with more convenience, and improve to Loan Product of Agricultural Innovation that will be the guidelines to increasing loan approval of agricultural customer up and making income from loan interest and others fees to archive the bank’s target also.