Factors Influencing Accessibility to Bank Credit by Small and Medium Sized Enterprises (SMEs) in Northeastern Thailand

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Saranya Raksong


This research aimed to investigate the source of funds and the factors influencing accessibility to bank credit by Small and Medium Sized Enterprises (SMEs) in Northeastern Thailand.  The research was conducted by using a questionnaire as an instrument for collecting data from 147  SME executives in the Northeast of Thailand. The results found that the major source of funds for SMEs in Northeastern Thailand was credit from a domestic Commercial Bank. In addition, the factors  that affect accessibility to bank credit included business collateral, manager’s education and work  experience, the business market share and business plan, and transaction cost of credit. The  results of this research could be applied as a guideline for an SME business in preparing to apply  for bank credit. In addition, the government sector could also adopt this research as basic information for establishing a strategy to promote SMEs in Thailand.


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How to Cite
Raksong, S. (2019). Factors Influencing Accessibility to Bank Credit by Small and Medium Sized Enterprises (SMEs) in Northeastern Thailand. University of the Thai Chamber of Commerce Journal Humanities and Social Sciences, 35(4), 84-100. Retrieved from https://www.tci-thaijo.org/index.php/utccjournalhs/article/view/196288
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