Factors Affecting the Occurrence of Debt outside the Public System of Mueang Chumporn, Chumporn Province

         This research study about factors that influence debt outside the public system in Municipal Chumphon, Mueang Chumphon following to these objectives: 1) To study factor or cause of predatory loans of the public in Mueang Chumphon; 2) to predatory loan behavior of the public in Mueang Chumphon; and 3) to study solution support to solve problems of predatory loans for the public in Mueang Chumphon. This research was a survey research by collecting data from questionnaires. The sample of the study was the public in Mueang Chumphon, a total of 400 persons. Most of the sample were career workers, followed by merchants and agricultural workers respectively. Results of the study found factors or causes of predatory loans of the public incomes (the highest), followed by social causes, expenses, motivation, and stimulus, respectively. The reason of rent money from debt outside the public system were cash flow in business and also for daily expense, with a frequency of once per three months and the range of money was between 20,001 - 30,000 Baht. Most of the public missed appointment of repaying the debt outside the public system because they did not want to repay, or some necessary concern in the family was next reason. When there was a problem of missed appointments in repaying the predatory loan, friends or family supported repaying the debt outside the public system. For solutions of the government to fix this problem, there were a lot of opinions in project solutions for integrative social and poverty problems rather than Nano-Finance. Results of the hypothesis found that personal factors, such as gender, education, occupation, salary, and number of family member influenced predatory loans in Mueang Chumphon differently. Moreover, behavior of borrowing money was also related to factors of predatory loans of the public in Mueang Chumphon for instant income, expenses, motivation and stimulus, social factors, and public relations of loan resources.

Credit :  อุษา อมรรัชยาวิจารณ์

https://so05.tci-thaijo.org/index.php/irdssru/article/view/213782