Loading...
|
Please use this identifier to cite or link to this item:
https://nccur.lib.nccu.edu.tw/handle/140.119/140641
|
| Title: | 泰國微型金融機構之商業模式與財務分析
Business Model and Financial Analyses of a Microfinance Institution in Thailand |
| Authors: | 李瑋芬
Deerojanawong, Yada |
| Contributors: | 蔡政憲
Tsai, Jason
李瑋芬
Yada Deerojanawong |
| Keywords: | 微型金融
泰國
Sawad 集團
Microfinance
Thailand
Sawad Group |
| Date: | 2022 |
| Issue Date: | 2022-07-01 16:17:54 (UTC+8) |
| Abstract: | This case study is on the Sawad Group (Srisawad Corporation Public Company Limited), a successful Thai public financial institution listed on `Thailand`s stock exchange. The company started as a family business that provided microfinance products and expanded its products to cover loans, deposits, insurance, debt collection, and consulting services.
This paper aims to analyze Sawad Group`s business model and compare it with its competitors` financials to understand better how the company became successful in Thailand. After analysis, it was found that the company has, unique selling points, diversifies through products and regions, and synergy among its businesses.
Besides the success factors, the study looks into the company`s key challenges, including high competition, customer retention, lower loan credit per branch, retaining non-performing loans, and risk management. This paper also highlights recommendations to the Sawad Group:
1. Create a mobile application to improve customer`s needs and stay updated on the technological advances to reduce the cost
2. Develop new products that match customer`s needs
3. Implement flexible debt collection strategies
4. Maintain customer level satisfaction through staff retention programs
5. Improve closing loan account process |
| Reference: | (MFC), M. C. (2021, December 21). #SFV2021: Digitalisation Key Trends in Microfinance. Retrieved from youtube: https://www.youtube.com/watch?v=ebHchADRAQ4
ada-microfinance. (2022). Definition of microfinance. Retrieved from ada-microfinance: https://www.ada-microfinance.org/en/about-ada/definition-microfinance-0
ada-microfinance. (2022). green-microfinance. Retrieved from ada-microfinance: https://www.ada-microfinance.org/en/our-projects/green-microfinance
Bank of Thailand. (2020). Annual Report 2020. Retrieved from Bank of Thailand: https://www.bot.or.th/English/ResearchAndPublications/Report/DocLib_AnnualEconReport/AnnualReport2020_En.pdf
Bank of Thailand, i. c. (2018). Financial_Access_Survey. Retrieved from Bank of Thailand: https://www.bot.or.th/English/FinancialInstitutions/Highlights/FSMP2/2018Financial_Access_Survey.pdf
BOT. (2020, Dec 31). 2020FinancialAccessSurveyOfThaiHouseholds. Retrieved from BOT: https://www.bot.or.th/English/FinancialInstitutions/Highlights/DocLib_FinancialAccessSurveyOfThaiHouseholds_2020/2020FinancialAccessSurveyOfThaiHouseholds.pdf
Definitions for credit foncier. (2022, April 20). Definitions for credit foncier. Retrieved from definitions: https://www.definitions.net/definition/credit+foncier#:~:text=Credit%20foncier%20a%20company%20licensed%20for%20the%20purpose,crdit%20credit%20%26%20foncier%20relating%20to%20land%2C%20landed.%5D
Development, O. f. (2020). OECD Economic Surveys. Retrieved from Organisation for Economic Cooperation and Development : https://www.oecd.org/countries/thailand/oecd-economic-surveys-thailand-2020-ad2e50fa-en.htm
FERNANDO, J. (2021, October 21). current ratio. Retrieved from investopedia: https://www.investopedia.com/terms/c/currentratio.asp
FERNANDO, J. (2021, November 30). return on equity. Retrieved from investopedia: https://www.investopedia.com/terms/r/returnonequity.asp
FERNANDO, J. (2022, Feburary 19). debtequityratio. Retrieved from investopedia: https://www.investopedia.com/terms/d/debtequityratio.asp
FERNQUEST, J. (2016, November 29). Thailand third most unequal country in world. Retrieved from Bangkok Post: https://www.bangkokpost.com/learning/advanced/1147468/thailand-third-most-unequal-country-in-world
Georges, B. (2021). Green microfinance. Retrieved from ada-microfinance: https://www.ada-microfinance.org/en/our-projects/green-microfinance
HARGRAVE, M. (2022, March 5). return on asset. Retrieved from investopedia: https://www.investopedia.com/terms/r/returnonassets.asp
imperva. (2022). Cyber Security Threats. Retrieved from imperva: https://www.imperva.com/learn/application-security/cyber-security-threats/
Institute, T. D. (2022, January 21). Thai economy to see uptick in 2022. Retrieved from Thailand Development Research Institute: https://tdri.or.th/en/2022/01/thai-economy-to-see-uptick-in-2022/#:~:Text=In%202022%2c%20economic%20growth%20is,Its%202019%20level%20in%202023.
investor.sawad. (2020). companys-history. Retrieved from investor.sawad: https://investor.sawad.co.th/en/corporate-info/companys-history/
investor.sawad. (2020). group-structure. Retrieved from investor.sawad: https://investor.sawad.co.th/en/corporate-info/group-structure/
investor.sawad. (2020). organization-chart. Retrieved from investor.sawad: https://investor.sawad.co.th/en/corporate-info/organization-chart/
investor.sawad. (2020). vision-mission. Retrieved from investor.sawad: https://investor.sawad.co.th/en/corporate-info/vision-mission/
Joyful Development Inc. (2022). What is microfinance? Retrieved from Joyful Development Inc: http://joyfuldev.org/about-microfinance/what-is-microfinance/
KAGAN, J. (2022, January 4). Microfinance. Retrieved from investopedia: https://www.investopedia.com/terms/m/microfinance.asp
Labor, M. o. (2022, January 15). Thailand Board of Investment-THAILAND IN BRIEF-Demographic. Retrieved from Thailand Board of Investment: https://www.boi.go.th/index.php?page=demographic&language=en
Labour, O. o. (2020). Labour Situation in quarter 3/2020. Office of Permanent Secretary for Ministry of Labour.
Mtcrofinance Centre. (2021). MFC Barometer of Trends in Microfinance – 2021 Edition. Retrieved from mfc: https://mfc.org.pl/mfc-barometer-of-trends-in-microfinance-2021-edition/
MURPHY, C. B. (2022, March 6). net profit margin. Retrieved from investopedia: https://www.investopedia.com/terms/n/net_margin.asp
opentextbc. (2022). Business Model Canvas. Retrieved from BCcampus Open Publishing: https://opentextbc.ca/organizationalbehavioropenstax/chapter/business-model-canvas/
Pigneur, A. O. (2009). Business Model Generation. Patrick Van Der Pijl.
Pigneur, A. O. (2009). Business Model Generation Book. In A. O. Pigneur, Business Model Generation Book (p. 13). Patrick Van Der Pijl.
Pini, H. S. (2020, October 26). Development Solutions: Opportunity for the vulnerable. Retrieved from European Investment Bank: https://www.eib.org/en/essays/african-farmers-microfinance
Rinwong, S. (2020, March 2). Penetration strategy "Pantip" giant breakout world online platform. Retrieved from bangkokbiznews: https://www.bangkokbiznews.com/business/868674
Royal Thai Embassy. (2022, 01 15). thaiembdc.org. Retrieved from thaiembdc.org: https://thaiembdc.org/about-thailand/thailand-in-brief/
SEGAL, T. (2021, April 26). nonperforming loan. Retrieved from investopedia: https://www.investopedia.com/terms/n/nonperformingloan.asp
SET Thailand. (2022, March 10). Oppday Year End 2021-SAWAD. Retrieved from Youtube: https://www.youtube.com/watch?v=L80j9EbcxH8
Sk. Mahmudul Alam, M. (2015, October 31). Employee Turnover in MFIs: Reasons. Retrieved from Munich Personal RePEc Archive: https://mpra.ub.uni-muenchen.de/68646/1/MPRA_paper_68646.pdf
Srisawad Fast Money Channel. (2020, November 19). Srisawad Fast Money Channel-Tawatchai Roongchotikul. Retrieved from Youtube: https://www.youtube.com/watch?v=SwCw2bwnXAo&feature=emb_title
SydneyChikalipah. (2018, June). Credit risk in microfinance industry: Evidence from sub-Saharan Africa. Retrieved from sciencedirect: https://www.sciencedirect.com/science/article/pii/S1879933718300617
Thailand, B. o. (2021, November 12). BOT Press Release No. 83/2021. Retrieved from Bankn of Thailand: https://www.bot.or.th/English/PressandSpeeches/Press/2021/Pages/n8364.aspx#:~:text=Suwannee%20Jatsadasak%2C%20Senior%20Director%2C%20Bank,in%20assisting%20borrowers%20and%20accommodating
Thailand, B. o. (2022). Thai Financial System Structure. Retrieved from Bank of Thailand: https://www.bot.or.th/English/FinancialInstitutions/FIStructure/Documents/Thai%20Financial%20System%20Structure.pdf
The Stock Exchange of Thailand. (2022, Apr 16). Companies/Securities in Focus. Retrieved from SET: https://www.set.or.th/set/companyhighlight.do?symbol=SAWAD&language=en&country=US
Weber, R. (2014, April 1). How flexible repayment schedules affect credit. Germany: Department für Agrarökonomie und Rurale Entwicklung.
wikipedia. (2022, May 31). Lorenz_curve. Retrieved from wikipedia: https://en.wikipedia.org/wiki/Lorenz_curve
World Bank. (2018, October 1). UFA2020 Overview: Universal Financial Access by 2020. Retrieved from World Bank: https://www.worldbank.org/en/topic/financialinclusion/brief/achieving-universal-financial-access-by-2020
World Bank, D. R. (2019). Gini index (World Bank estimate) - Thailand. Retrieved from World Bank: https://data.worldbank.org/indicator/SI.POV.GINI?locations=TH
Yuvejwattana, S. (2021, October 20). Tech-Fueled Microlenders Replace Loan Sharks as Thai Borrowing Swells. Retrieved from bloomberg: https://www.bloomberg.com/news/articles/2021-10-19/tech-fueled-lenders-replace-loan-sharks-as-thai-borrowing-swells
Yuvejwattana, S. (2021, Otctober 19). Tech-Fueled Microlenders Replace Loan Sharks as Thai Borrowing Swells. Retrieved from bnnbloomberg: https://www.bnnbloomberg.ca/tech-fueled-microlenders-replace-loan-sharks-as-thai-borrowing-swells-1.1668711 |
| Description: | 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
109933040 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0109933040 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU202200480 |
| Appears in Collections: | [國際經營管理英語碩士學程IMBA] 學位論文
|
Files in This Item:
| File |
Size | Format | |
|---|
| index.html | 0Kb | HTML2 | 200 | View/Open |
|
All items in 政大典藏 are protected by copyright, with all rights reserved.
|
