Paper Title
Debt Analysis of Agricultural Cooperative Members in Thailand

Abstract
The aim in this study is to analyze the debt of cooperative sector in Thailand and explain how influence factors create the debt of agricultural cooperative members. Based on the statistical data and analytical method, three key elements factors; individual factors, attitudes and values factors, and essential factors in consumptionhave insignificant relationship with debt creation impact on member commitment. The most common cause of the loan is inadequate income. Income is not enough to cover the normal expense. Most borrowed money is used to buy their members’ products and support the family. It was recommended that to overcome these challenges and meet members’ expectations, there is a need to; promote and increasing capacity of cooperatives and income generating for members, ensure proper financial management and better accounting practices Key words - Agricultural Cooperative, Debt Analysis, Cooperative in Thailand