Keywords: Loan management, Local government, Town municipality, Sub-district municipality


     This purpose of this article is to analyze the influencing factors toward the loan management of Kalasin Municipality using mix method research by dividing into two phases. In the first phase, consuming quantitative approach with representative officers sampling from 5 municipalities within Kalasin Province in total of 284 persons. The research method is stratified systematic sampling by using the loan management questionnaire as an instrument, which display the Coefficient Cronbach's alpha value at 0.984 and analyze the data by Multiple Regression Analysis (MRA) Statistics. After that, taking the quantitative keynote for the second phase by using the qualitative approach-collecting the data by selecting specific samples from the top five highest loan municipalities with 25 relevant loan managerial officers by using the in-depth interview, a semi-structure interview pattern as an instrument for interview certified by the expert with the triangular device inspection methods for explanation of the keynote. The result shows that 4 factors which influencing to the loan management of Kalasin municipality are 1) the local economy and sociology, 2) attitude and experience in loaning, 3) loan management-structure of the municipality, and (4) transparency and responsibility. The research demonstrates the influencing factors toward the loan management of municipality in the efficiency, effectiveness, and value as the good practice of loan management-development to another municipalities.


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