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Analysis on savings and credit cooperatives efficiency in Thailand: A data envelopment analysis (DEA) approach
(2014-01-01)
Asawaruangpipop, Poramate
;
Suwunnamek, Opal
The microfinance institutions in Thailand were considered to be significant as the alternative financing source such as Savings and Credit Cooperatives (SCCs). While these institutions have been intensified in term of cooperative quantity and impact on entire economy, many SCCs' operations have still now been suffered from losses with negative returns and liquidity problems. This research therefore aims to investigate the efficiency of 732 SCCs in Thailand by using the databases of Cooperative Auditing Department, Ministry of Agriculture and Cooperatives of Thailand and evaluate SCCs' technical efficiencies on production and intermediation model by Data Envelopment Analysis (DEA) method. The efficiency evaluation results classified according to the types of cooperatives indicated that state enterprise cooperative had maximum quantity of efficient cooperatives and average efficiency score. When conducting the co-analysis on efficient cooperatives or best practiced cooperatives of each type of cooperative, it was found that private cooperatives had maximum efficiency in term of cooperative quantity and efficiency score. © 2014 Academic Journals Inc.
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Knowledge management, responsibility and organizational factors that affect microfinance support to Phuket, Thailand entrepreneurs
(2014-01-01)
Thampradit, Naphatrada
;
Fongsuwan, Wanno
The financial cost of entrepreneurial borrowing in Thailand, in particular Phuket, an island province with a large tourism and marine industry, is difficult and expensive. With the bank of Thailand's recent rule changes, licensed yearly bank loans of greater than 15% are now legal but the inability to get loans from legitimate sources still drives the small borrowers into the arms of loan sharks who charge as much as 20% a month. Still, these same licensed financial institutions continue to offer almost no lending services to very small business operators, particularly street vendors and wet market traders, because borrowers such as these lack financial and accounting track records and are high-risk. In Bangladesh, however, the Grameen Bank microfinance system implemented a revolutionary tool to eradicate poverty of t h e rural people and overcome the many obstacles to lending, becoming the largest microfinance bank in Bangladesh and probably the biggest microcredit organization in the world. It provides loans to asset-less and landless poor people whom no commercial bank will give a loan. This study is, therefore, focused on the mechanisms that affect the 37% of all loans made within Thailand, specifically those made to SMEs and various forms of entrepreneurs. The researchers, therefore, undertook this study focusing on influences of knowledge management, organizational factors and client responsibility that affect microfinance support. Phuket province was selected, as it has a significant tourism and marine industry largely made up of smaller, entrepreneurial enterprises.
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Structural equation modeling of relationship factors affecting entrepreneurial microfinance in Phuket, Thailand
(2014-01-01)
Thampradit, Naphatrada
;
Fongsuwan, Wanno
In globalized business, most entrepreneurs need to diversify sources of funding, especially given the internationalization of trade and finance. Entrepreneurs in particular are crucial to national and regional growth but they are most vulnerable to the difficulties and high costs in obtaining loans and small business funding. An exception however can be found in the Bangladesh Grameen Bank which opened its doors in 1983 to the impoverished peasants and poor using microcredit loans, of which 95% were to mostly women. With Thailand having over 99% of its businesses represented by small and medium-sized enterprises (SMEs), researchers decided to study the relationship factors that affect the credit support to these small entrepreneurs. In 2011, a Phuket Province census found that one in 7 households had an entrepreneurial business and they suffered from lack of loans. For qualitative research, the research survey consisted of 200 commercial bank executives that affect retail lending to the Phuket, Thailand's entrepreneurial island community. Factors having both a direct and an indirect influence having the highest positive factors within the organization included credit policy and strategy. Borrowers must additionally have aknowledge management system which can take place in many forms. Bank organizational and internal factors researched also included policies, plans, strategies and loan terms which is determined bycredit policy and retail lending or not. Additional factors in this determination are bank revenues, profits and brand image.

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