Factors affecting the savings and Loans of Savings and Credit Cooperative in Thailand B.E. 2550 – 2561


  • Narong Junlaphet Ph.d student, Faculty of Economics, Srinakharinwirot University
  • Suwimon Hengpatana Faculty of Economics, Srinakharinwirot University
  • Direk Patmasiriwat School of Development Economics, National Institute of Development Administration




Credit allocation, Savings mobilization, Financial ratios


    This study investigates the role of Savings Cooperatives in savings mobilization from members and credit allocation. Two modest objectives are: First, to analyze financial structure, financial ratios, and concentration among Savings Cooperatives compared by provinces and by regions. Second, to estimate and to test the relationship between savings mobilization and credit allocation by province against the set of explanatory variables such as GPP, real interest rates, and productive structure of province, based on 76 provincial panels over 12 years (BE2550-2561) using Generalized Least Squares regression method. Among our findings are 1) a high concentration of savings mobilization is found in Bangkok; 2) a note on regional variations, for instances, the northern members save relatively more than the northeast; 3) provincial savings from Savings Cooperatives is positively related to GPP, share of the service sector, real interest rates and members, contradict to share of the industry sector is found negative.


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How to Cite

Junlaphet, N., Hengpatana, S., & Patmasiriwat, D. (2021). Factors affecting the savings and Loans of Savings and Credit Cooperative in Thailand B.E. 2550 – 2561. Community and Social Development Journal, 22(3), 36–51. https://doi.org/10.14456/rcmrj.2021.247670



บทความวิจัย (RESEARCH ARTICLE)