ASSET QUALITY AFFECTS THE OPERATIONAL EFFICIENCY OF TEACHER SAVING AND CREDIT COOPERATIVE THE AREA OF CENTRAL REGION PART OF THAILAND

Abstract

This research The objective of this study was to study asset quality and the performance of teacher savings cooperatives in the central region of Thailand. This consists of the ratio (CAMELS Analysis), dimension 2, asset quality, ie asset growth rate. Asset turnover Cooperative equity ratio to assets Outstanding rates of receivables And liquid asset ratios Affect the performance measurement ratio, such as the ability to use assets. Profitability And the ability to yield The sample group was 34 teacher savings cooperatives in the central region of Thailand. Data were collected during 2017-2019 by analyzing multiple regression to test the hypothesis.

The results of the research were as follows: Asset turnover And the equity ratio of cooperatives has a similar effect on their ability to use assets. The growth rate of assets was statistically significant at 0.05 level. Cooperative equity ratio to assets The overdue rate of the debtor results in the same direction. But the liquid asset ratio is the opposite of profitability. Were statistically significant at the 0.05 level and the asset growth rate. Cooperative equity ratio has the same effect. But the liquid asset ratio results in the opposite direction to the ability to yield returns. Statistically significant at a level of 0.05