Guidelines for Increasing the Deposit Amount Sufficient for Loans of Bank for Agriculture and Agricultural Cooperatives (BAAC),Amnat Charoen Branch

Abstract

A study on guidelines for Increasing Deposit Amount Sufficient for loans of Bank for Agriculture and Agricultural Cooperatives (BAAC), Amnat Charoen Branch. Because the branch has lower deposit than the target set by the bank which affects the bank's income and net profit because if the deposit is less than the loan banks have to borrow money from other places. To release loans to customers this caused the bank to increase the cost of paying loans. Affect the profit of the bank by reducing the bank's net profit the students therefore studied by using the questionnaire tool, the sample group was 400 customers who come to use the service at BAAC, Amnat Charoen Branch, and interview with 20 customers, aiming to find the cause of the problem and to find a solution to increase the deposit to be sufficient for loans. The results of the study showed that most of the customers who deposited money with BAAC Amnat Charoen Branch because the bank offers deposit products that are suitable for customers' needs and are safe to use. Customers can get to know the bank's deposit products in a variety of ways. Factors affecting the choice of deposit products found that Products, Prices, Place and Promotion. Affects the decision to choose a deposit product, the student chose a solution to the problem. Marketing promotion activities by organizing a week to promote savings because it can actually operate throughout the year under an appropriate budget. See results in the long term and expected to increase the amount of deposits to meet the goals set by the bank.