Lending credit for animal raising in the three southernmost provinces of
Thailand
การให้สินเชื่อเพื่อการเลี้ยงสัตว์ใน 3 จังหวัดชายแดนภาคใต้ของประเทศไทย
Pin Chunjula, Asst. Prof., D. of Tech. and Industries, F. of Sci. and Tech., PSU.
Kriengsak Pattamarakha, Assoc. Prof., D. of Agricultural Development, F. of Natural Resources, PSU.
Somchai Khorvanitchakij, Animal Health Division, The Pattani Provincial Office of Livestock
Development, Pattani
Corresponding e-mail : cpin@bunga.pn.psu.ac.th
Published : J of Agriculture 1999, 15(1) : 84-97
Key words : agricultural credit, bank managers, animal raising, farmers, three southernmost
provinces
There is very few animal raising in the three southernmost provinces of Thailand (Yala, Pattani and Narathiwat). The limitation of credit is one factor influencing. This study aimed to investigate availability of credit for farmers who wish to raise animal, through 28 bank managers.
The result revealed that very bank provides credit to farmers. Criteria for loan project evalua-
tion are based on : farmer' s properties, objective and possibility of investment turn-over. Credit was issued to both individuals and groups. Most bank managers perceived that crop cultivation was less
risky than animal raising, thus placed greater emphasis on providing credit for crop production than animal raising. When credit was available for animal raising, beef cattle and chickens received a higher priority than other animals.
Most bank managers satisfy with the outcomes of credit provision. Main problems so far en-countered are difficulties to monitor the project, limited ability for loan repayment. Farmers invest in animal raising are facing problems of know how lacking and less support from government sector. To promote animal raising in the three southernmost provinces of Thailand; intensive training, domestic and international market development as well as provision of long term, low interest rate credit loan
are required.
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