Development of effectiveness debt management planning model of The Government Savings Bank Debt Control and Management Zonal Office, Regional Office 11
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Abstract
The research article consisted of the following objectives: 1) to study general information of debtors with non-performing loan, the causes of outstanding debt, the guidelines for solving the problem of outstanding debt, and the kind of help required from the bank under the supervision of Government Savings Bank Debt Control and Management Center in Region 11; 2) to measure the level of financial skills of debtors with non-performing loan that are under the supervision of Government Savings Bank Debt Control and Management Center in Region 11; 3) to analyze the important factors affecting the debt management plan of Government Savings Bank Debt Control and Management Center in Region 11; and 4) to develop a model for an effective debt management plan of Government Savings Bank Debt Control and Management Center in Region 11. The study applied a quantitative research method. A sample group consisted of 393 debtors with non-performing loan that are under the supervision of Government Savings Bank Debt Control and Management Center in Region 11. The research instrument was a questionnaire. The statistics used for data analysis were frequency, percentage, mean, standard deviation (S.D.), confirmatory factor analysis, and structural equation model (SEM). From the study, the results found that a structural equation model for an effective debt management plan of Government Savings Bank Debt Control and Management Center in Region 11 is consistent with empirical data. The study also found that factors on bank, factors on credit analysis, and external factors have direct positive effects on debt management plan. A model for an effective debt management plan of Government Savings Bank Debt Control and Management Center in Region 11 is presented by using the approach of objectives and key results (OKRs).
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