Author: Suchaya Varamit
AIT Library Call Number: AIT Diss. no.RD-10-01
Year: 2010
Academic Program: Regional and Rural Development Planning (RRDP)
Type: Thesis (Ph.D.) – Asian Institute of Technology, 2010
Examination Committee: Soparth Pongquan (Chairperson); Jayant Kumar Routray, Ganesh P. Shivakoti (Examination Committee Members)
Abstract: The Bank for Agricultural and Agrcultural Cooperative (BAAC) was established in 1966, with the mandate of supporting agricultural development. In 2001, the BAAC changed the responsibilities from its primary role of a formal financial institution for agricultural development bank to become a rural development bank and provided microfinance service for the rural poor. The main development activities were launched by the BAAC applying an integrated approach comprising of credit, savings, funeral insurance, debt suspension (DS), debt burden reduction (DBR), community enterprise development program and agricultural marketing cooperative. The main objectives of this research were to study the extent of participation of the rural poor in BAAC to assess the impact on income, savings and expenditure patterns and to identify factors explaining BAAC performance on microfinance The research was conducted in the three sub-districts of Dok Kham Tai district in Phayoa province, Northern Thailand. Altogether98 sampled poor housholds of BAAC clients from farm households (FHs) and 72community enterprise households (CEHs). A survey questionnaire was the major data collection technique for this research with the support of qualitaive data collection including observation, interviews and group discussion with local clients and BAAC staff members. There was high concentration of rural poor households from both FHs and CEHs in various BAAC activities provided. There were certain economic impacts on the change of income from both FHs and CEHs, in their savings amount, and in their repayment ability. However, there was no change in their employment of the FHs or enhancing supplementary occupation of the CEHs. Both FHs and CEHs perceived that MIF activities perceived these positive economic impacts particularly from the DS/DBR schemes, occupation rehabilitation and from community enterprise. There was a relationship between the repayment ability of the FHs with the amo
Scholarship Donor(s): Rajamangala University of Technology Lanna
Note: A dissertation submitted in partial fulfillment of the requirement for the degree of Doctoral of Philosophy in Regional and Rural Development Planning
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