Factor Affecting Technical Change of Credit Union Co-operative in Upper Northern of Thailand

Abstract

Credit union co-operatives are organized for supporting poor people who are difficult to find funding sources for improvement their economic security. Majority of the credit unions co-operatives are made up of members who are currently working in the agricultural sectors. However some of credit union co-operatives have members who are working in non-agriculture sectors, they use credit union co-operatives to improve quality as farmer. The main objective in this paper is comparison of technical operation efficiency of the credit unions agriculture and non-agriculture sector with sample size of 170 groups from eight provinces in the upper northern region of Thailand, using the Malmquist Productivity Index Approach.