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Work quality and standards of small and medium enterprises in the agro-industrial and construction business in Thailand

机译：泰国农业工业建筑业务中小企业的工作质量和标准

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The purpose of this research was to study the factors that influence the decision of Small and Medium Enterprise (SMEs) in the Northeast region of Thailand to use loan services from Kasikorn Bank. The population in this research was 1,746 SMEs entrepreneurs who used loan services for Small and Medium Enterprise customers provided by Kasikorn Bank Public Company Limited in the North-eastern region of Thailand. Multi-stage Cluster Sampling was used in sampling 325 SMEs entrepreneurs and a 5 rating-scale questionnaire was used as a research tool, with the confidence value of independent variables of .96 and the confidence value of dependent variables of .83. The statistics used in analysis were Frequency, Percentage, Mean, Standard Deviation, Multiple Regression Analysis, T-test, and F-test. 7 factors were found to have influence in the decision to use loan services of the Small and Medium Enterprises customers at a high level. These following factors are listed in order from highest to lowest average scores; Service Process, Physical Evidence and Presentation, Personnel, Products, Distribution, Marketing Promotion, and Price. Only 2 factors were found to have an influence on the customers’ decision to use loan services with standardized coefficient of determination for multiple regression at the significance level of .01; Service Process (Beta = .43) and Personnel (Beta = .19) and both factors together could be used to determine 35% of dependent variables with statistical significance.
机译：本研究的目的是研究影响泰国东北地区的中小企业（中小企业）决定的因素，以利用Kasikorn Bank的贷款服务。本研究中的人口为1,746名中小企业企业家，用于泰国东北地区Kasikorn Bank Public Company Limited提供的中小企业客户贷款服务。多级集群采样用于采样325中小企业企业家，并使用5个评级调查问卷作为研究工具，具有自动变量的自立变量和依赖变量的置信度值。83。分析中使用的统计数据是频率，百分比，平均值，标准偏差，多元回归分析，T检验和F检验。发现7个因素有助于决定使用中小企业客户的贷款服务处于高水平。这些以下因素按最高到最低平均分数列出;服务流程，物理证据和介绍，人员，产品，分销，营销推广和价格。发现只有2个因素对客户决定使用贷款服务，以标准化的测定系数在.01的意义水平上进行标准化的测定系数;服务过程（Beta = .43）和人员（Beta = .19）和两个因素一起用于确定具有统计显着性的35％的依赖变量。

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