Principles of 5Cs Credit Analysis Influencing the Consideration of Rehabilitation Loan Applications with Enterprise Bank of Thailand Case Study Namchok Drinking Water Mueang Sakon Nakhon District Sakon Nakhon Province

Abstract

The objective of this research is to study the risk analysis principles of the 5Cs in credit evaluation for rehabilitation loans with the SME Bank of Thailand, focusing on the Namchok Drinking Water Factory in Mueang Sakon Nakhon District, Sakon Nakhon Province. Additionally, it aims to propose solutions for personal evaluation criteria in credit evaluation for rehabilitation loans with the SME Bank of Thailand. The research was conducted by collecting data through two methods: credit data observation and interviews with the owner of the Namchok Drinking Water Factory. The collected data was then analyzed using the Three-Criteria Theory. The study found that the Namchok Drinking Water Factory was able to consistently maintain good quality and standards, as well as successfully regain its previous consumer base, leading to increased production and growth each year. This has established trust in the drinking water business in the Sakon Nakhon Province area. In analyzing capital loans for expansion of the Namchok Drinking Water Factory, which follows the risk analysis principles of the 5Cs for loan applications, it is believed that the business owner is honest, disciplined in loan repayments, and punctual, even during the economic crisis caused by the COVID-19 pandemic. The SME Bank of Thailand should prioritize factors that generate income and use the risk analysis criteria of the 5Cs, making necessary adjustments to suit specific business groups in order to expand the customer base for credit provision and ensure customer satisfaction for other customer groups as well.