The objectives of this study were to study personal factors service quality and the decision to choose the service of savings cooperatives in Bangkok to study personal factors that affect the decision to choose the service of savings cooperative members in Bangkok and to study the quality of service that affects the decision to choose the service of savings cooperative members in Bangkok. The population was 1210043 savings cooperative members in Bangkok in 2019. The samples were randomly selected from the population by Purposive Sampling of 400 people. The sample size was determined according to Taro Yamane method. The data was analyzed using descriptive statistics such as frequency percentage mean and standard deviation. The inferential statistics were: independent sample T-test one-way ANOVA analysis Pearsons Correlation Coefficient and Multiple Regression Analysis. The study results showed that the overall service quality level of savings cooperatives in Bangkok was high. The aspects that the sample group thought was of the highest quality was the facilities and responses to member services. The most important factors affecting the decision to use the services of the sample group were human resource development and service development. The study hypothesis test showed that personal factors namely age and membership duration in a savings cooperative affected the decision to use the service of savings cooperative member in Bangkok at a significant level of 0.05. The cooperative members aged 26-35 years focused on service development less than those aged 46 years and over at the statistical significance of 0.05. The group of 16-year membership focused more onservice development than those at the group of 6-10 year membership and the group of 11-15 years of membership at a significant level of 0.05. The service quality factors on trustworthiness confidence and knowing and understanding service recipients had a positive influence on the decision to use the savings cooperative service on cooperative business development aspect at the significant level of 0.05. The service quality factors on trustworthiness confidence and knowing and understanding service recipients had a positive influence on the decision to use the savings cooperative service on human resource development aspect at the significant level of 0.05. The service quality factors on trustworthiness and knowing and understanding service recipients had a positive influence on the decision to use the savings cooperative service on service development aspect at the significant level of 0.05. The service quality factors on confidence and facilities had a positive influence on the decision to use the savings cooperative service on service area development aspect at the significant level of 0.05.

The purpose of this study was to study 1) opinions and needs of cooperative saving members towards the existing welfare services and their additional needs 2) to compare the opinions of members of the savings cooperative on the welfare services received and 3) to compare the demand for additional welfare services of the saving cooperative members. The personal factors were classified and a questionnaire was used as a tool to collect data. The data analysis statistics included percentage mean and standard deviation. The hypothesis was tested using t-test and one-way ANOVA was applied. The Scheffe pair test was used if the statistical significance was found at 0.05. The research disclosed that the majority of respondents were married males between the ages of 51-60 years old whose educational level was lower than the bachelor’s degree. They mostly worked as government employees with more than 10 years of service and earned monthly income of 20001-25000 Baht. Their existing welfare services are capital stocks followed by ordinary and emergency loans respectively. Different opinions in the comparative analysis were found among the individual factors of welfare services in terms of their gender age status and education. However they were similar in terms of the type of employment service term and monthly regarding to the welfare services received. As for the comparative analysis of individual factors it was revealed that there were different needs for welfare services because the members with different education levels required distinctive welfare services at the statistical significance of 0.05. However ง the personal factors including gender age status type of employment service term and monthly income were similar concerning their needs for additional welfare services.

The objective of this study was to investigate Management of Credit Risk for Sustainability of Army Welfare Department Savings and Credit Cooperative Limited. The data were collected through the interviews with executives such as division directors or vice directors who were requested to provide guidelines how to sustainably manage credit risk. The research results revealed the overall credit risk management which was highly focused on the credit monitoring follow-up management borrowers’ qualification inspection borrowers’ financial competence and borrowers’ secured credit. The management of the Army Welfare Saving Cooperative Limited demonstrated decent understanding of how to prevent future credit risk proficiently and effectively considering from their systematic procedures of how to monitor and follow up the loans according to the credit risk management plan. Problems in relation to credit risk was rarely found as the allowance for doubtful accounts had been set which resulted in sustainable credit risk management and fluent administration suitable for the economy in the meantime as well as the future time.