This study aimed to investigate the behavior of the employees in borrowing National Broadcasting Services of Thailand, and analyzes the factors that affect the liability of the employees of the television station. The data was collected from a sample of 82 people questioned by the total population of 443 people, which were to be servants. Government employees temporary workers And workers of state debt. With stratified sampling (Stratified sampling) and sampling ratio. (Proportional Stratified Random Sampling), respectively, analyzed the data using statistical descriptive (Descriptive statistics) is frequency (Frequency) Percentage (Percentage) and chi-square (Chi-Square) to analyze the relationship. between independent variables and the dependent variable results showed that gender, age, education. And career do not affect debt. Because the sample is similar to the status of a family member. Personal income per month Total amount of expenditure per month The period of repayment And interest rates affect the debt by the sample were married, then have the opportunity to leverage more than single people. The number of family members who are 4-6 over indebtedness of a family member who has an income of about 1-3 people. 20,001-30,000 THB is a group with a higher debt levels than other income groups. At approximately 10,001-20,000 THB is a group with a higher debt levels among other expenses. The duration of the repayment period of 1-5 years is higher than the debt repayment period to the other. And the rate of 1-5% for the group with the most debt. While the interest rate is higher than 5%, less than the rate of indebtedness of the factors affecting the formation of employee liabilities in the National Broadcasting Services of Thailand is the factor most services. (Loan) because the sample that is most important is easy access. It is the result of a government official. Government employees temporary workers And workers of state The group has a certain income, making access to credit more easily than in the self-employed who have no income. And the station has also signed an MOU with the Bank of Thailand. The financial institutions of the state. Making loans more convenient and easier. The second factor is the revenue side. And the final sample that is moderate, as is the cost factor. He noted that the cost to the consumer is very sensitive to high debt. It is an important factor for the survival of mankind.
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