03 ANALYSIS OF THE FINANCIAL ECONOMY OF THE NAKHONSAWAN TEACHER SAVING COOPERATIVE LTD

Abstract

This research aims to study the financial economy of the Nakhonsawan Teacher Saving
Cooperative Ltd. using CAMELS analysis in 6 dimensions, compared to the average of the
saving cooperative are huge. analyzes using secondary data from the financial statements, the
annual report and peer group analysis with average ratios of cooperatives. samples used in
the research were cooperative teacher Nakhonsawan limited to purposive sampling.
The result of the study shown as follows, for the capital strength, Saving
Cooperative has a debt to equity ratio and the rate of growth of the debt of higher, the growth
rate of capital decreases and compared with the average savings cooperatives remained at
risk. It also found that fourth dimension earning sufficiency were in debt to members
increased along with the growth of reserves less and it has a lower than average savings
cooperatives and fifth dimension liquidity were cooperative with liquidity lower than the
average of the savings cooperatives and the current rate of cash flow from operations is a
financial liquidity lower than last year. This shows that the three-dimensional effect operations
at risk. The second dimensional assets quality that remained good. For management
capability of the cooperative have higher rates of growth. The final dimension impact on
business risk from external factor, the interest rate of financial institution.