ผลกระทบของกองทุนหมู่บ้านต่อสวัสดิการของครัวเรือนชนบทในประเทศไทย

Authors

ผศ.ดร.นิรมล อริยอาภากมล, นายวศิรพล พรหมโคตรวงศ์

Published

วารสารเศรษฐศาสตร์และกลยุทธ์การจัดการ

Abstract

The main objective of the present study is twofold. Firstly, it attempts to discover the determinants of demand for rural credit and secondly, to assess the impacts of village fund on rural household welfare in terms of income, consumption and asset. Based on the household Fixed-effect model and using 1998 – 2013 data from four provinces of Thailand: Chachoengsao, Lopburi, Buriram and Sisaket. Our results suggest that age and educational attainment of household head are positively associated with total credit demand but age has a diminishing return to total credit demand while male civil servant is negatively associated with total credit demand. Age and educational attainment of household head are positively associated with formal credit demand, but age has a diminishing effect on formal credit demand. In terms of informal credit demand, none of the factors in this study appears to have any impact on informal credit demand. Regarding the impacts of the village fund on household welfare, the positive short-term effects on household income and consumption have been found. However, the village fund debt has a negative effect on household wealth (measured by the ratio of total assets to total debt). This possibly resulted from the fact that the village fund debt increased household debt without expanding household asset in current year. Thus the ratio of household asset to debt fell. Considering the effect of past village fund debt, no statistically significant impact was found on household wealth. The empirical results of this study suggest that the village fund debt can improve household welfare by increasing in household consumption and income, but it does not seem to have any impact on household wealth in the long-run.

(2561). ผลกระทบของกองทุนหมู่บ้านต่อสวัสดิการของครัวเรือนชนบทในประเทศไทย. วารสารเศรษฐศาสตร์และกลยุทธ์การจัดการ, 5(2), 51-65.