Author: Kitiya Seedakham
AIT Library Call Number: AIT Thesis no.RD-04-09
Year: 2004
Academic Program: Regional and Rural Development Planning (RRDP)
Type: Thesis (M.Sc.) – Asian Institute of Technology, 2004
Examination Committee: Jayant Kumar Routray (Chairperson); Soparth Pongquan, Chandhana Indhapanya (Examination Committee Members)
Abstract: Different microfinance projects through the Bank for Agriculture and Agricultural Cooperatives (BAAC), Rural Village Development Fund (RVDF), Village Saving Group (VSG), Poverty Alleviation Development (PAD) and Sustainable Agriculture Development (SAD) were introduced by the Thai Government to help people in the rural areas to generate employment and increase their income as well as to alleviate poverty. The effectiveness of microfinance schemes very much depends on the design and the operational formwork of each project. To measure this, analysis has been done based on data collected through household surveys, interviews, observation and discussion with credit members and key informants involved in the different projects. The main objectives of this research are to study the operational framework of each microfinance project, its distribution and performance of credit services in the rural areas, its accessibility to credit for the rural people, the credit demand and credit supply of the credit institutions and to identify the gaps between them to obtain people’s perceptions, their level of satisfaction and the benefits they gained from the credit services to determine the problems in accessing credit sources as well as to find out the potentials and needs of the credit members and to suggest recommendations and guidelines for a rural credit delivery system of formal financial institutions in providing good employment opportunities and income generation in the rural areas. Research findings revealed that rural people have higher needs for credit and can obtain them from different sources such as RVDF, PAD, SAD and VSG for investment in farm production. However, their accessibility to credit is very low due to limited capital availability from the formal financial institutions. Most of the households were not satisfied with the insufficient credit available from these projects but several benefits were gained through them such as an increased opportunity for employment, availability of required production in
Scholarship Donor(s): Katholischer Akademischer Auslander-Dienst KAAD, Germany
Note: A thesis submitted in partial fulfillment of the requirements for the degree of Master of Science
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