อุปสงค์เงินกู้กองทุนเงินให้กู้ยืมเพื่อการศึกษาของนักศึกษามหาวิทยาลัยราชภัฏในภาคเหนือของประเทศไทย

Abstract

The purposes of this research were to study the factors that determine the demand for loanable funds on education, the forecasting of the demand for loanable funds on education, the students’ cost during the education period, the repayment of the loan and advisory guidelines for the development of the office of Loanable Funds on Education’s operations. The designs of the study were the quantitative and qualitative researches. For the quantitative research , the researcher used survey method. Statistical methods of Frequency, Percentages, Means, Multiple Regression Analysis and Double Exponential Smoothing were used in this study. For the qualitative research the researcher used the interviewing and then analyzed the data by using descriptive method. The results were as follow: The factors that determine the demand for loanable funds on education of the student loaners were the population of the students in each universities, the annual average income of the parents or providers and the origin homicide of the loaners. The demand for the loan during the academic years 2008-2013 tended to be decreased. The average costs during the education period were approximately between ฿ 22,367 - 33,472 per semester per head . Most of the costs were the costs of living during education period. In the year 2007, the percentage of the students who graduated and must pay back the loan was 71.99. For the advisory guidelines for the development of the Funds’ operations in accordance with the purpose of the educational loan policy. The Funds must clearly check the students’ qualification. The numbers of the student loaners vary according to the fields of studies. The costs of living during education period must be provided according to the standard of living in each provinces, and the Funds must develop the students’ potential in the area of knowledge and occupational abilities.