Guidelines for increasing the number of applicants for multi-purpose welfare loans for government officials and state enterprise employees of Government Savings Bank region 3

Abstract

The study aimed to 1) study the influence of anxiety on the criteria for approving welfare loans and employee service quality that affect the decision to use credit services, 2) study the reasons why customers are not interested in getting welfare loans and 3) propose guidelines for increasing the number of approvals for welfare loan applicants. It is mixed-methods research that distributed questionnaires to Government Savings Bank customers who are government officials and state enterprise employees of Government Savings Bank, Region 3, totaling 360 people. The statistics included percentage, average and standard deviation. The multiple regression statistics and in-depth interviews with 12 employees were responsible for selling loans at Government Savings Bank, Region 3, found that 1) the concerns about credit approval, debt repayment history and service quality in caring for individual customers. It affected the decision to use welfare loan services at the statistical significance level of .01 2) the reason why customers are not interested in borrowing loans is due to concerns about the customer's debt repayment history. The ability to repay the debts and problems with the quality of employee services, and 3) the appropriate way to increase the number of loan approvals was for the Government Savings Bank to add special services for the customer group of government employees and civil servants in various marketing promotion activities, the Government Savings Bank increased advertisements. The public relations to create awareness about special conditions of welfare loans. To reduce the concerns of customer groups, the Government Savings Bank should expand emergency credit lines for customers who need money urgently, but it is not a high credit limit and a repayment period of no more than 12 months.