Study of Problems and Effects of Saving Cooperative Member’s Debt: A Case Study of Samutsakhon Teacher Saving and Credit Cooperative

Abstract

The objectives of this research was to study the problems and effects of Samutsakhon teacher saving and credit cooperative member’s debt and to study the financial situations of Samutsakhon teacher saving and credit cooperative’s members. The samples used in this research are a member of Samutsakhon teacher saving and credit cooperative. To calculate the size of the samples, the Taro Yamane technique with a 95% confidence level and ± 5% determination of tolerances. It revealed that the appropriate size of samples was of 370 cases. The research materials used was a questionnaires created by the researchers. The collected data had analyzed as the percentage, mean (T), standard deviation (SD) by using T-Test and One-Way ANOVA.As results, it was found that the most members are female, aged 30-50 years and has incomes less than 20,000 baht. Commonly, the member opinions were at a medium level. Once classifying each side, it was found that income, expenditure, savings and the factors effecting from debt were at a medium level. By comparison with the differences of the average opinion levels classified by personal status, gender, age and income, it was found that the opinions of the Samutsakhon teacher saving and credit cooperative members was no different in general with statistical significance at the level of .05.