Factors that debt problems do not cause revenue (NPLs) of banks in rural provinces that aims to 1) determine the factors that caused the debt that does not generate revenue (. NPLs) of banks and 2) to compare factors. And find solutions The problem loans that do not cause revenue (NPLs) by means of education. Quantitative Research Study of technical documents Related research, including the use of questionnaires, data collection target of debt that does not generate revenue (NPLs) of customers in eight district number 188 on the side of the factor of debt that does not generate revenue. (NPLs) on the three aspects of the private debtors. The internal factors And external factors,
the study found. The majority of respondents were male, aged between 41-50 years agricultural occupations. The level of education is low than high. Average monthly income not exceeding 10,000 baht a family an average of 4 from the analysis of crashes caused no debt income (NPLs) in the three factors, namely, the private debtors. The internal factors And external factors Found that the debt does not cause revenue (NPLs) from the private accounts. Many of the cost / burden of high costs. The occupation is experiencing Health problem Lack of understanding of the processes / steps to collect the debt of banks. And family problems such as divorce, the spouse died. The critical essay When considering the factors Found that the debt does not cause revenue (NPLs) from the interest rate rise. The appraisal used to guarantee loans of customers in the estimated price is too low. And the staff did not know about the process of debt management for clients as they should. The critical essay Finally, when considering the external factors. Finds from the bad economy. Suffer from natural disasters such as floods, fires and drought wait. As well as the policies of the government. Such as large government debt. The critical essay This is an important factor causing debt problems do not cause revenue (NPLs) of banks, BAAC branches that province.
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