Economic and Business Forecasting Center University of the Thai Chamber of Commerce Open the SMEs Index Survey for 4Q18 send positive signals to increase both business situations. Ability to do business And competitive ability index expected to increase continuously in the first quarter of 2019, indicating SME D Bank customers are stronger than the average. Raising the "3 Fill" strategy, which is to add skills to fill capital and increase quality of life, bringing true and strong growth.
Economic and Business Forecasting Center University of the Thai Chamber of Commerce in collaboration with the Small and Medium Enterprise Development Bank of Thailand (SME) or SME D Bank Statement of SMEs business situation index and SMEs competitiveness index for the fourth quarter of 2018 from 1,242 samples nationwide By surveying 3 indices: 1. SMEs Situation Index 2. SMEs Competency Index and 3. SMEs Sustainability Index Used to compile the SMEs Competitiveness Index
Asst. Prof. Dr. Thanawat Phonwichai, Senior Vice President for Academic Affairs and Research And Director of the Center for Economic and Business Forecasting University of the Thai Chamber of Commerce revealed that the business situation index for the fourth quarter of 2018 was at 43.7, increasing by 0.5 points compared to the previous quarter (3/1861) and the first quarter of 2019, it is expected to increase to 43.9.
However, when comparing the business situation index In the group of customers with non-SME customers, it was found that non-customers of the SME business index decreased 0.2 points from 37.9 to 37.7. against the SME customer group, the business situation index increased by 0.4 points from 48.8 to 49.2.
The business capability index for the fourth quarter of 2018 was at 50.4, increasing by 0.1 points compared to the previous quarter and the forecast for 1Q / 1 will increase to 50.6, while the SME customer index is at 58.4, higher than the non-SME customer group, which is at 42.9.
And the business sustainability index for the fourth quarter of 2018 was at 52.8, down 0.5 points compared to the previous quarter and the forecast for 1Q19 will be increased to 53.1, when comparing with the group of SME customers with non-customer groups, SME Bank found that non-SME customers, the index decreased by 0.1 points from 45.7 to 45.6 while SME customers increased 0.6 points from 59.4 to 60.0.
Asst. Prof. Dr. Thanawat added that from the 3 indexes above leading to the competitiveness index of SMEs in the fourth quarter of 2018, it was found that at the level of 49.0, increased by 0.4 points compared to the previous quarter which is continuously increasing from the third quarter of 2018 onwards and is expected to increase in the first quarter of 2019 to 49.2
However, when comparing between groups of SME customers and non-customers, SME Bank found that groups that are not SME customers .The group that is not a SME customer, the competitiveness index decreased by 0.2 points from 42.3 to 42.1 countering with SME customers, the competitiveness index increased by 0.5 points from 55.4 to 55.9.
As for the need for help Support or develop business from that government The sample group says Economic development of the country such as stimulating the credit economy, such as lending debt documents such as debt structure Household debt, non-formal debt, tax, for example Tax rate reduction Tax structure And education such as learning development training for entrepreneurs
Mr. Mongkol Leelatham, SME D Bank Managing Director, added that from the survey of SME entrepreneurs who are customers of SME Bank will have an average Both the business situation index Business capability index Business sustainability index And the competitiveness index Higher than the group that is not a SME customer, so it can be said that The only way to support funding is not enough and not sustainable need to educate And raise the quality of life together as well. Therefore, SME D Bank therefore adheres to the strategy of giving "3 additional" to Thai SMEs, namely 1. Fill skills through various activities, such as training seminars, matching business, professional mentors, etc., helping to increase business capacity, increase revenue, reduce expenses. 2. Fill capital with low interest loans Which the bank has been assigned by the government, such as the aging bank 4.0, interest only 0.08% per month or 1% per year, fixed for 7 years (throughout the contract period), borrowing 1 million baht, installments of only 410 baht per day. Credit for economic upgrading For agribusiness, food processing, community tourism Retail And independent occupation, individual interest, 1-3 years, only 0.42% per month if it is a legal entity, only 0.25% per month, etc. 3. Add quality of life Help access government benefits and welfare helping to improve the quality of life Create stability in the profession And reduce the burden on the family From the granting of 3 such fillers will help enhance the capabilities for SMEs Can grow strongly and truly sustainable.