Enhancing Credit Risk Management and Organizational Adaptation in Thai Agricultural Cooperatives
Abstract
Agricultural cooperatives in Thailand play a crucial role in providing deposit and credit services. Credit management faces challenges due to inadequate risk analysis, which can lead to non-performing loans (NPLs). This study develops a credit risk prediction model utilizing quantitative data, Machine Learning (ML), and Explainable AI (XAI) to improve organizational adaptation. Data from 300 cooperative members, supplemented by records from the National Statistical Office, were analyzed using th
Fields of Study & Subjects
Financial Distress and Bankruptcy Prediction
Working Capital and Financial Performance
Microfinance and Financial Inclusion
Publication details
- Journal / source
- Journal Of Organizational Behavior Research
- Publisher
- Polaris
- Volume
- 11
- Issue
- 1
- Pages
- 15–28
- Publication date
- 1 January 2026