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FACTORS AFFECTING THE ANALYSIS FO SMALL AND MEDIUM ENTREPRISES LOANS OF AYUDHYA PUBLIC COMPANY LIMITED

FACTORS AFFECTING THE ANALYSIS FO SMALL AND MEDIUM ENTREPRISES LOANS OF AYUDHYA PUBLIC COMPANY LIMITED

ABSTRACT

This is a study about. Factors affecting the analysis of small and medium enterprises loans of Ayodhya public company limited The factors are behavior, debt repayment capability, capital, collateral, and situation. the ability to pay the debt, the capital, and the collateral, categorized by personal statuses such as gender, age, marital status, business operation period, education level, and monthly income. The sample group consisted of 134 respondents. The tools used for data collection were questionnaires for data analysis by using computer software to evaluate frequency, percentage, mean (), and standard deviation (SD).

The results of the research are as follows: There were a total of 134 respondents, most of them were 63 males (47%) By age, most (61.9%) are of 35-40 years (83 respondents), About half of them (50.7%) were married (68 respondents), Most of the respondents’ business have been operating for 6-10 years (58 respondents, 43.3%), Most respondents are of higher than the undergraduate level of education (85 respondents, 63.4%), Most respondents has monthly income in the range of 40,001 – 50,000 baht (58 respondents, 43.3 percent)

2.) By the opinions of Credit Analysis Officers, factors affecting SME loan consideration of the Bank of Ayudhya Public Company Limited ranked by importance are Collateral, Capital, Situation, Customer behavior, and debt repayment capability.

Link: https://mmm.ru.ac.th/MMM/IS/sat16/6114060014.pdf