Abstract:
The purposes of this research were to examine the customer behavior with regards to receiving the information about the products and services of the Sakohfa Ha Islam Savings and Credit Co-operative Limited, to investigate the communication channels for the members of this organization, and to propose some suggestion for improving the communication channels for attracting their customers. The sample subjects consisted of 400 members of the Sakohfa Ha Islam Savings and Credit Co-operative Limited at six banches: Krabi, Klongyang, Awluek, Kanjanadit, Klongtom, and Awnang. Questionnaires were used to collect the data for this study. The statistics employed to analyze the collected data consisted of frequency, percentage, and Chi-square. Sakohfa Ha Islam Savings and Credit Co-operative Limited The results of the analysis were as follows: Most of the respondents were female, aged less than 25 years old, and had completed higher education. Many of them were married, and earned their living by farming. The average income per month was less than 15,000 baht. They usually came to deposit and withdraw their money at the co-op. In terms of receiving the information about the products of this co-op, most of the respondents obpondents information from FM 107.5 radio station from 12.01 8.00 pm. They did not know about the co-op website, and had never looked at it. They thought that the easiest way for them to receive information was from posters, leaflets, and brochures.
It was found that the following the communication strategies highly affected the decisions of the members in choosing the products of the co-op: advertisement most of the respondents received information from the radio program and posters. They preferred to obtain information from the co-op should offer the members free gifts when they deposit their money; personnel- the personnel should be helpful in solving the customers problems regarding loans and deposits; direct sales: most of the respondents had participated in the co-op activities for distributing the information to the public. Suggestions to improve the communication channels included the following: advertisement the co-op should create more attractive posters and brochures and distribute their information in public areas, as well as using radio programs; promotion the co-op should offer new products and services very well and be friendly and polite to the customers; direct sales the co-op should increase their channels to contact their members such as via the internet, and offer a variety of products by connecting with other business partners inside and outside the community.