Factors Affecting the Overdue Loan Repayment of Agriculturist Customers, Bank for Agriculture and Agricultural Cooperatives, Mae Chan Branch, Chiang Rai Province

Abstract

               This study aims to investigate the factors influencing loan delinquency among farmer clients of the Bank for Agriculture and Agricultural Cooperatives (BAAC), Mae Chan Branch, Chiang Rai Province. The research objectives are: (1) to examine borrower-related, internal bank-related, and external factors affecting loan delinquency; (2) to analyze these factors across demographic variables such as gender, age, educational level, marital status, and household size; and (3) to determine the overall impact of these factors on loan delinquency.

               The study population consisted of 313 farmer clients of the BAAC, Mae Chan Branch. Data were collected using a structured questionnaire and analyzed through descriptive statistics, with data processing conducted using statistical software. The findings indicate that the overall level of factors influencing loan delinquency was high. Among these, external factors had the highest impact, followed by borrower-related factors, while internal bank-related factors exerted the least influence. When classified by demographic variables, respondents consistently identified external factors as the primary cause of loan delinquency, followed by borrower-related factors, and lastly, internal bank factors. Correlation analysis revealed that two factors—borrower-related and external factors—significantly influenced loan delinquency among farmer clients of the BAAC, Mae Chan Branch.