The document summarizes the findings of a survey on the consumer loans market in Thailand. Some key findings include: - Krungthai, Siam Commercials, and Krungsri are the most well-known consumer loan providers in Thailand. TV ads, Facebook ads, and websites/forums are the main sources of awareness. - 75% of Thai online consumers have used consumer loan services, with Krungthai and Aeon being market leaders. Consumers choose providers based on reliability and simple registration processes. - Consumer loans are mostly used to purchase mobile phones, houses, and electronics. Most loans are small installments under $250 for 6-12 month terms.

1. STUDY ON CONSUMER LOANS MARKET
IN THAILAND
BY DI-MARKETING (www.di-onlinesurvey.com)
November, 2016

2. 1
SCOPE OF WORK
 This survey was conducted to study about consumer loans market in
Thailand
 Consumer loan definition: a loan that is lent to customers for personal,
family, or household purposes. The loan is usually unsecured and is
based solely on borrower’s integrity and ability to pay.
 Methodology: Online survey
 Fieldwork time: 10 days (10/10/2016 to 20/10/2016)
 Sample size: N = 569
 Geography: Nationwide

3. 2
KEY FINDINGS
• Krungthai, Siam Commercials, and Krungsri are the most well-known banks in Thailand
• Ads on TV, Facebook and webs/forums are the main sources of awareness for consumer loan services
• 75% of Thai online population have used consumer loan services in Thailand, in which Krungthai and Aeon
are market leaders
• Most choose their services based on reliability and simple registration
• Thai people mostly apply for consumer loans to buy mobile phone, house, and electronic appliances
• 95% of consumer loans in Thailand are installment consumer loans
• Most consumer loans are small, just under $250 for each loan
• Typical installment term is between 6 and 12 months
• Gifts, vouchers, and discounts for other products are the preferred promotions to be coupled with consumer
loan services
• Overall, 83% respondents feel satisfied with their current customer loan services provider
• Krungthai has the highest loyalty rate with 50% while 19% of EASY BUY users (top 6 consumer loan service
provider in term of market size) will switch to another provider
• Generally, high interest rate, bad customer service, and complicated registration procedure are making
customers unhappy
• 77% have pawned their properties at least once
• The higher income, the more valuable their pawned properties
• 82% have at least once take on a high interest rate loan

4. 3
DEMOGRAPHIC INFORMATION
Age Gender
N = 569
Living Place Occupation
19%
23%
20%
38%
Over 35
30-35
26-30
Under 18-25
60%
40%
Female
Male
46%
54%
Others
Bangkok
6%
4%
4%
5%
7%
7%
10%
57%
Others
Engineer/Doctor/Teacher
Factory Worker
Job seeker/Retired
Housewife
Self-employed
Student
Officer

5. 4
KRUNGTHAI, SIAM COMMERCIALS, AND KRUNGSRI ARE THE MOST
WELL-KNOWN BANKS IN THAILAND
Do you know any consumer loan service providers listed below?
7%
5%
22%
30%
32%
33%
37%
38%
42%
44%
52%
52%
56%
59%
72%
Others
AIRA & AIFUL
Standard Chartered
CIMB
UOB
TMB
KTC
Krungthep bank
Citi Bank
EASY BUY
Thanachart
Aeon
Krungsri
Siam Commercials
Krungthai
Total
4%
5%
24%
30%
31%
31%
36%
37%
41%
36%
50%
45%
50%
56%
72%
Bangkok
10%
5%
20%
29%
34%
35%
38%
40%
43%
52%
54%
61%
63%
63%
73%
Others
N = 569 N = 309 N = 260

6. 5
ADS ON TV, FACEBOOK AND WEBS/FORUMS ARE THE MAIN SOURCES
OF AWARENESS FOR CONSUMER LOAN SERVICES
How do you know about these providers?
N = 569 N = 309 N = 260
30%
5%
5%
10%
20%
23%
25%
26%
45%
49%
74%
Others
Consultancy of salesman
Consultancy of staffs of financial
companies at sales points
I know through sms advertising
messages/ email
Poster, flyer
In/ Out of home ads
Friends/relatives' suggestion
See others use these brands
Web, forum ads
Facebook ads
TV ads
Total
24%
5%
6%
9%
16%
23%
20%
21%
37%
48%
77%
Bangkok
38%
5%
5%
12%
24%
23%
30%
32%
54%
50%
72%
Others

7. 6
75% HAVE USED CONSUMER LOAN SERVICE
Have you ever used consumer loan service?
N = 569 N = 309 N = 260
25%
21%
30%
75%
79%
70%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Bangkok Others
Yes
No

8. 7
PEOPLE DO NOT USE CONSUMER LOAN SERVICES
BECAUSE THEY HAVE NO DEMAND
Why haven’t you used any consumer loan services?
N = 143* N = 78 N = 65
3%
1%
2%
3%
4%
8%
14%
64%
Others
Complicating procedure
High service fee
I cannot prove my income
High interest
Cannot control my consumption
Be concerned about paying debt
ability
I have no demand
Total
3%
2%
3%
3%
8%
6%
17%
58%
Bangkok
4%
1%
1%
3%
1%
10%
12%
68%
Others
* Only asking respondents that haven’t used any consumer loan service

9. 8
KRUNGTHAI AND AEON ARE THE MARKET LEADERS OF CONSUMER
LOAN INDUSTRY IN THAILAND
Which consumer loan service provider do you the most? (by city)
N = 426 N = 244 N = 182
3%
1%
1%
1%
2%
2%
3%
5%
8%
8%
10%
11%
19%
27%
Others
Standard Chartered
UOB
CIMB
Krungthep bank
TMB
Citi Bank
KTC
EASY BUY
Thanachart
Krungsri
Siam Commercials
Aeon
Krungthai
Total
2%
1%
1%
1%
1%
2%
3%
3%
5%
10%
10%
11%
14%
35%
Bangkok
5%
1%
0%
1%
3%
2%
2%
8%
10%
5%
9%
11%
25%
17%
Others
Cities other than Bangkok uses Aeon more than Krungthai

10. 9
MOST CHOOSE THEIR SERVICE BASED ON RELIABILITY AND SIMPLE
REGISTRATION
Why do choose to use the service from that provider? (top 6 service providers, 1st to 3rd)
N = 351* N = 117 N = 80
Krungthai and Siam Commercials offer good customer service, while fast approving time is the
strength of Aeon
2%
4%
5%
6%
11%
13%
15%
17%
17%
19%
24%
32%
40%
62%
Others
Enthusiastic consultant
Don't need to mortgage
Salesman suggestion
Low service fee
Friends/ relatives…
Have many promotions
Extentive POS network
Clear and simple loan policy
Low interest
Fast approving time
Good customer service
Simple registration procedure
Reliable
Total
3%
3%
1%
2%
5%
2%
5%
8%
11%
9%
9%
33%
20%
79%
Krungthai
4%
4%
13%
8%
20%
30%
25%
29%
18%
30%
49%
21%
65%
46%
Aeon
0%
0%
4%
6%
6%
6%
10%
19%
17%
17%
13%
31%
25%
73%
Siam
Commercials
N = 48
* Only choose brands with significant shares (>30 users)

11. 10
MOST CHOOSE THEIR SERVICE BASED ON RELIABILITY AND SIMPLE
REGISTRATION
Why do choose to use the service from that provider? (top 6 service providers, 4th to 6th)
N = 351* N = 41 N = 33
Thanachart has good consumer service while EAST BUY’s approving time is fast
2%
4%
5%
6%
11%
13%
15%
17%
17%
19%
24%
32%
40%
62%
Others
Enthusiastic consultant
Don't need to mortgage
Salesman suggestion
Low service fee
Friends/ relatives…
Have many promotions
Extentive POS network
Clear and simple loan policy
Low interest
Fast approving time
Good customer service
Simple registration procedure
Reliable
Total
N = 32
0%
10%
2%
12%
20%
15%
27%
20%
32%
27%
29%
39%
46%
68%
Krungsri
0%
6%
0%
9%
12%
0%
9%
9%
21%
24%
18%
61%
36%
58%
Thanachart
3%
6%
6%
6%
6%
28%
22%
19%
16%
19%
38%
16%
75%
25%
EASY BUY
* Only choose brands with significant shares (>30 users)

12. 11
THAI PEOPLE MOSTLY APPLY FOR CONSUMER LOANS TO BUY
MOBILE PHONE, HOUSE, AND ELECTRONIC APPLIANCES
What did you buy with the consumer loans? (by city)
N = 426 N = 244 N = 182
14%
12%
15%
26%
30%
38%
60%
Others
Furniture
Vehicle
Computer
Electronic household appliance
House
Mobile phone
Total
10%
13%
18%
28%
30%
36%
58%
Bangkok
18%
9%
11%
24%
30%
41%
63%
Others

13. 12
KRUNGTHAI USERS USUALLY BUY COMPUTERS WITH THEIR LOANS
What did you buy with the consumer loans? (top 6 service providers, 1st to 3rd)
N = 351* N = 117 N = 80 N = 48
11%
12%
15%
28%
30%
37%
62%
Others
Furniture
Vehicle
Computer
Electronic household
appliance
House
Mobile phone
Total
8%
8%
9%
29%
14%
22%
68%
Krungthai
14%
15%
10%
35%
55%
59%
76%
Aeon
2%
8%
21%
23%
23%
33%
58%
Siam Commercials
* Only choose brands with significant shares (>30 users)

14. 13
THAI MOSTLY USE THEIR CONSUMER LOANS TO BUY MOBILE
PHONE, HOUSE, AND ELECTRONIC APPLIANCES
What did you buy with the consumer loans? (top 6 service providers, 4th to 6th)
N = 351* N = 41 N = 33 N = 32
* Only choose brands with significant shares (>30 users)
11%
12%
15%
28%
30%
37%
62%
Others
Furniture
Vehicle
Computer
Electronic household
appliance
House
Mobile phone
Total
12%
24%
34%
24%
34%
46%
49%
Krungsri
9%
9%
21%
33%
36%
42%
39%
Thanachart
28%
9%
6%
16%
25%
28%
56%
EASY BUY

15. 14
95% OF CONSUMER LOANS IN THAILAND ARE INSTALLMENT
CONSUMER LOANS
What kind of consumer loans do you often get? (by city)
N = 426 N = 244 N = 182
0%
11%
13%
95%
Others
Noninstallment consumer loan
Revolving consumer credit
Installment consumer loan
Total
1%
15%
11%
96%
Bangkok
0%
5%
15%
93%
Others
Installment consumer loan: a loan that is paid overtime with a set number of scheduled payments
Revolving consumer credit: a loan that allows to be withdrawn, repaid later, then redrawn again, e.g. credit card
Non-installment consumer loan: a loan that is paid fully in a single payment after a period of time

16. 15
95% OF CONSUMER LOANS IN THAILAND ARE INSTALLMENT
CONSUMER LOANS
What kind of consumer loans do you often get? (top 6 service provider, 1st to 3rd)
N = 351* N = 117 N = 80 N = 48
* Only choose brands with significant shares (>30 users)
1%
12%
13%
95%
Others
Noninstallment consumer
loan
Revolving consumer credit
Installment consumer loan
Total
2%
19%
6%
97%
Krungthai
0%
6%
23%
98%
Aeon
0%
8%
13%
94%
Siam
Commercials
Installment consumer loan: a loan that is paid overtime with a set number of scheduled payments
Revolving consumer credit: a loan that allows to be withdrawn, repaid later, then redrawn again, e.g. credit card
Non-installment consumer loan: a loan that is paid fully in a single payment after a period of time

17. 16
95% OF CONSUMER LOANS IN THAILAND ARE INSTALLMENT
CONSUMER LOANS
What kind of consumer loans do you often get? (top 6 service provider, 4th to 6th)
N = 351*
* Only choose brands with significant shares (>30 users)
N = 41 N = 33 N = 32
1%
12%
13%
95%
Others
Noninstallment consumer
loan
Revolving consumer credit
Installment consumer loan
Total
0%
17%
12%
93%
Krungsri
0%
6%
18%
91%
Thanachart
0%
6%
16%
91%
EASY BUY

18. 17
MOST CONSUMER LOANS ARE SMALL
JUST UNDER 500$ FOR EACH LOAN
How much did you get in your most recent installment loan? (by city)
N = 426 N = 244 N = 182
1%
1%
1%
1%
6%
13%
28%
49%
Over $10000
$5000.1 - $10000
$2500.1 - $5000
$1500.1 - $2500
$1000.1 - $1500
$500.1 - $1000
$250.1 - $500
Under $250
Total
1%
1%
1%
2%
9%
17%
29%
41%
Bangkok
1%
1%
1%
0%
2%
7%
27%
60%
Others

19. 18
THE MORE HOUSEHOLD INCOME IS,
THE MORE VALUABLE LOANS ARE
How much did you get in your most recent installment loan? (by household income)
N = 329* N = 154 N = 29**N = 28** N = 118
1% 0% 0% 0%
7%
2% 0% 0% 1%
14%
1%
0% 0%
2%
3%
1%
0% 1%
2%
3%
6%
0%
3%
8%
21%
13%
7%
6%
21%
28%
31%
46%
34%
26%
17%
46% 46%
57%
40%
7%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Under $210 $210.001 to $500 $500.001 to $1400 Over $1400
Under $250
$250.1 - $500
$500.1 - $1000
$1000.1 - $1500
$1500.1 - $2500
$2500.1 - $5000
$5000.1 - $10000
Over $10000
Mean value apply for loan
of each income group
$604 $309 $316 $594 $2465
* “blanks” and "I don't remember“ answers are filtered out
** small sample size
Household income →
Loan value
↓

20. 19
0%
1%
1%
1%
7%
12%
30%
48%
Over $10000
$5000.1 - $10000
$2500.1 - $5000
$1500.1 - $2500
$1000.1 - $1500
$500.1 - $1000
$250.1 - $500
Under $250
Total
1%
2%
1%
3%
9%
15%
32%
38%
Krungthai
0%
0%
0%
0%
5%
9%
20%
66%
Aeon
0%
4%
2%
0%
4%
6%
52%
31%
Siam Commercials
AEON IS CHOSEN FOR SMALL LOAN VALUE UNDER $250
WHILE SIAM COMMERCIALS BANK IS PREFERRED FOR $250 ~$500
How much did you get in your most recent installment loan? (top 6 service providers, 1st to 3rd)
N = 351* N = 117 N = 80 N = 48
* Only choose brands with significant shares (>30 users)

21. 20
MOST CONSUMER LOANS ARE SMALL,
JUST UNDER 500$ FOR EACH LOAN
How much did you get in your most recent installment loan? (top 6 service providers, 4th to 6th)
0%
1%
1%
1%
7%
12%
30%
48%
Over $10000
$5000.1 - $10000
$2500.1 - $5000
$1500.1 - $2500
$1000.1 - $1500
$500.1 - $1000
$250.1 - $500
Under $250
Total
N = 351* N = 41 N = 33 N = 32
* Only choose brands with significant shares (>30 users)
0%
2%
0%
0%
10%
15%
22%
51%
Krungsri
0%
0%
0%
0%
9%
21%
30%
39%
Thanachart
0%
0%
0%
0%
0%
6%
28%
66%
EASY BUY

22. 21
TYPICAL INSTALLMENT TERM IS BETWEEN 6 AND 12 MONTHS
How long is the installment term of your most recent loan? (by city)
N = 426 N = 244 N = 182
2%
8%
4%
5%
2%
2%
32%
12%
25%
7%
Others
Over 36 months
36 months
24 months
18 months
15 months
12 months
9 months
6 months
3 months
Total
0%
8%
5%
2%
2%
2%
29%
16%
27%
9%
Bangkok
5%
9%
4%
8%
2%
1%
36%
8%
22%
4%
Others

23. 22
MOST AEON CUSTOMER LOANS HAS 12-MONTH TERM
How long is the installment term of your most recent loan? (top 6 service providers, 1st to 3rd)
2%
7%
4%
5%
1%
2%
31%
13%
25%
8%
Others
Over 36 months
36 months
24 months
18 months
15 months
12 months
9 months
6 months
3 months
Total
2%
12%
3%
2%
0%
3%
23%
14%
28%
14%
Krungthai
1%
1%
4%
10%
4%
0%
56%
9%
10%
5%
Aeon
0%
4%
8%
2%
0%
0%
29%
17%
31%
8%
Siam Commercials
N = 426 N = 117 N = 80 N = 48

24. 23
EASY BUY SERVICE USERS USUALLY TAKE LONG-TERM LOANS(12
OR 24 MONTHS)
How long is the installment term of your most recent loan? (top 6 service providers, 4th to 6th)
N = 426 N = 41 N = 33
2%
7%
4%
5%
1%
2%
31%
13%
25%
8%
Others
Over 36 months
36 months
24 months
18 months
15 months
12 months
9 months
6 months
3 months
Total
N = 32
7%
10%
5%
2%
2%
2%
12%
17%
34%
7%
Krungsri
0%
6%
6%
0%
3%
6%
21%
15%
42%
0%
Thanachart
6%
9%
3%
22%
0%
0%
31%
6%
16%
6%
EASY BUY

25. 24
BY OFFERING GIFTS, VOUCHERS AND DISCOUNTS SERVICE
PROVIDER WOULD BE ABLE TO ATTRACT CONSUMER MORE
Which benefits attached with consumer loans you would like to be offered? (by city)
N = 426 N = 244 N = 182
6%
14%
16%
24%
34%
42%
47%
Others
Lucky spin
Money collecting at home
Free shipping
Bundled special packaged
Buy other products with
preferential price
Gifts, vouchers
Total
3%
16%
21%
23%
39%
33%
44%
Bangkok
9%
12%
10%
24%
28%
55%
51%
Others

26. 25
6%
14%
17%
23%
33%
39%
44%
Others
Lucky spin
Money collecting at home
Free shipping
Bundled special packaged
Buy other products with
preferential price
Gifts, vouchers
Total
4%
15%
31%
19%
35%
21%
33%
Krungthai
11%
15%
9%
28%
29%
60%
50%
Aeon
2%
6%
13%
17%
38%
35%
56%
Siam
Commercials
AEON USERS PREFER DISCOUNTS WHILE SIAM COMMERCIAL USERS
LIKE GIFTS, VOUCHERS MORE
Which benefits attached with consumer loans you would like to be offered? (top 6 service providers, 1st to 3rd)
N = 426 N = 117 N = 80 N = 48

27. 26
THANACHART USERS LIKE TO GET DISCOUNTS WHILE EASY BUY
USERS PREFER GIFTS AND VOUCHERS
Which benefits attached with consumer loans you would like to be offered? (top 6 service providers, 4th to 6th)
N = 426 N = 41 N = 33 N = 32
6%
14%
17%
23%
33%
39%
44%
Others
Lucky spin
Money collecting at home
Free shipping
Bundled special packaged
Buy other products with
preferential price
Gifts, vouchers
Total
0%
12%
17%
34%
44%
49%
51%
Krungsri
0%
24%
9%
21%
36%
42%
36%
Thanachart
16%
9%
3%
22%
16%
44%
50%
EASY BUY

28. 27
1% 2% 0% 0% 0% 0% 0%1% 2%
0% 0% 0% 0% 3%
15%
17%
18%
15% 12% 10%
28%
52%
28%
45%
58% 63%
74%
66%
31%
51%
36%
27% 24%
16%
3%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Krungthai Thanachart Siam
Commercials
Krungsri Aeon EASY BUY
Very satisfied
Satisfied
Normal
Unsatisfied
Very unsatisfied
OVERALL, 83% FEEL SATISFIED WITH THEIR CURRENT CUSTOMER
LOAN SERVICE PROVIDERS
How satisfied are you with your current consumer loan service? (top 6 service providers)
N = 426 N = 117 N = 80 N = 48
Krungthai gains highest top box customers’ satisfaction level
N = 41 N = 33 N = 32

29. 28
27% ARE LOYAL TO THEIR SERVICE PROVIDER
What is your usage intention toward this consumer loan service provider in the future? (by city)
N = 426 N = 244 N = 182
6% 7% 5%
20% 16%
25%
25%
27%
23%
22%
19%
25%
27%
30%
23%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Bangkok Others
I will use this service
only
I will prefer using this
service in priority
I will use this service
parallel with other
service
I will continue use this
service, but I will use
other in the future
I will switch to other
service

30. 29
6%
3% 0%
10%
4%
8%
19%
20%
15% 21%
15% 25%
25%
19%
25%
21%
21%
27% 17%
29%
34%
22%
11%
30%
29%
35%
24%
16%
27%
50%
27%
20% 19%
15% 13%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Krungthai Thanachart Krungsri Siam Commercials Aeon EASY BUY
I will use this service only
I will prefer using this
service in priority
I will use this service
parallel with other service
I will continue use this
service, but I will use other
in the future
I will switch to other
service
KRUNGTHAI OWNS THE HIGHEST CONSUMER’S LOYALTY LEVEL,
WHILE 19% OF EASY BUY USERS WILL SWITCH TO OTHER BRANDS
What is your usage intention toward this consumer loan service provider in the future? (top 6 service providers)
N = 426 N = 117 N = 80 N = 48 N = 41 N = 33 N = 32

31. 30
1% 2% 0% 0% 0% 0% 0%
4% 3%
0% 2%
7% 6%
9%
27% 27%
30%
40%
20% 24%
31%
39%
22%
30%
31%
46%
55%
50%
29%
46%
39%
27% 27%
15%
9%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Krungthai Thanachart Siam Commercials Krungsri Aeon EASY BUY
I will recommend
definitely
I will recommend
I may recommend or may
not
I will not recommend
I will not recommend
definitely
OVERALL, 68% WILL RECOMMEND THE PROVIDER TO THEIR FRIEND
What’s your ability to recommend your current provider to your friends/relatives? (top 6 service providers)
N = 426 N = 117 N = 80 N = 48 N = 41 N = 33 N = 32
Krungthai has highest top box recommendation level for consumers

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GENERALLY, HIGH INTEREST RATE, BAD CUSTOMER SERVICE, AND
COMPLICATED REGISTRATION PROCEDURE ARE MAKING
CUSTOMERS UNHAPPY
What makes you unhappy about your current customer loan service provider? (top 6 service providers, 1st to 3rd)
N = 351* N = 117 N = 80 N = 48
10%
12%
13%
19%
21%
23%
28%
32%
35%
40%
Others
Sparse POS network
Unenthusiastic consultant
Low approving time
Not many promotions
Unclear loan policy
High service fee
Complicated register
procedure
Customer service is not good
High interest
Total
5%
7%
11%
13%
12%
21%
18%
34%
50%
26%
Krungthai
11%
26%
21%
36%
35%
29%
45%
40%
26%
59%
Aeon
17%
13%
10%
19%
27%
21%
25%
29%
27%
31%
Siam
Commercials
Krungthai users mostly complain about customer services, while Aeon loans have high interest
rate and service fee

33. 32
EASY BUY CUSTOMER LOAN SERVICE IS SAID TO HAVE HIGH
INTEREST RATE AND SERVICE FEE
What makes you unhappy about your current customer loan service provider? (top 6 service providers, 1st to 3rd)
N = 426 N = 41 N = 33 N = 32
10%
12%
13%
19%
21%
23%
28%
32%
35%
40%
Others
Sparse POS network
Unenthusiastic consultant
Low approving time
Not many promotions
Unclear loan policy
High service fee
Complicated register
procedure
Customer service is not good
High interest
Total
15%
2%
10%
10%
20%
27%
29%
27%
37%
39%
Krungsri
3%
6%
12%
24%
18%
33%
18%
33%
36%
39%
Thanachart
16%
16%
9%
6%
19%
9%
41%
9%
13%
63%
EASY BUY

34. 33
77% HAVE PAWNED THEIR PROPERTIES AT LEAST ONCE
Have you ever put something in a pawn shop? (by city)
N = 426 N = 244 N = 182
23%
18%
29%
77%
82%
71%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Bangkok Others
Yes
No

35. 34
MOSTLY MOBILE PHONES, MOTORBIKES, AND CARS ARE PUT IN TO
PAWN SHOP
What did you put into pawn shops? (by city)
N = 330* N = 200 N = 130
31%
1%
8%
12%
17%
23%
35%
Others
I have never put something in pawn
Certificate of house/land ownership
Laptop
Car
Motorbike
Mobile phone
Total
23%
2%
7%
13%
24%
27%
32%
Bangkok
42%
0%
10%
9%
6%
17%
41%
Others
Respondents living in cities other than Bangkok pawn their mobile phones the most
* Only users that have ever put anything in pawn shop is counted in this question

36. 35
THE MORE INCOME, THE MORE VALUABLE THEIR PAWNED
PROPERTY
What did you put into pawn shops? (by household income)
N = 329* N = 28** N = 154
* Only users that have ever put anything in pawn shop is counted in this question;
blanks” and "I don't remember“ answers for income are filtered out
** small sample size
30%
1%
8%
11%
17%
23%
35%
Others
I have never put
something in pawn
Certificate of house/land
ownership
Laptop
Car
Motorbike
Mobile phone
Total
25%
0%
0%
11%
18%
36%
36%
Under 210
USD
37%
1%
5%
7%
12%
14%
42%
210.001 to
500 USD
28%
2%
9%
15%
19%
26%
27%
500.001 to
1400 USD
10%
0%
28%
17%
38%
45%
31%
Over 1400
USD
N = 118 N = 29**

37. 36
18%
25% 22%
14%
7%
82%
75% 78%
86%
93%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Under 210 USD 210.001 to 500 USD 500.001 to 1400 USD Over 1400 USD
Yes
No
Have you ever get a high interest rate loans at pawn shops/lenders? (by household income)
82% HAVE APPLIED AT LEAST ONCE FOR A HIGH INTEREST RATE LOAN
N = 329* N = 28** N = 154
* Only users that have ever put anything in pawn shop is counted in this question;
** small sample size
N = 118 N = 29**
Interestingly, the higher income, the more likely Thai people are to take on high interest loans

38. 37
CONTACT US
• Japan & Taiwan:
o Address: 3 Chome-2-6 Kasumigaseki, Chiyoda, Tokyo 100-0013, Japan
o Contact person: Mr. Hideyuki Kato (CEO)
o Email: hideyuki.kato@di-mktg.com
o Contact number: +81 3-5532-3200
• Vietnam:
o Address: 9-15, Vincom center, 45A Ly Tu Trong, Ben Nghe ward, District 1,
Ho Chi Minh City, Vietnam
o Contact person: Mr. Ho Hai Dang (COO - Country Manager)
o Email: dang.h@di-mktg.com
o Contact number: +84 902-73-9944
• Thailand
o Address: 246 Time Square Bld., 10th Fl., Room 10/04, Sukhumvit 12-14 Rd. Klongtoey,
Bangkok 10110, Thailand
o Contact person: Ms. Pimparima Piriyametha (Business Analyst - DI Marketing)
o Email: pimparima.p@di-mktg.com
o Contact number: +66 96 245 3656

39. 38
CONTACT US
• Indonesia:
o Address: Jalan Prof Dr Satrio Kav 18, 45th floor AXA Tower, Jakarta 12940, Indonesia
o Contact person: Mr. Hendry Pratama (CMO – Country Manager)
o Email: hendry.p@di-mktg.com
o Contact number: +62 21 3005 3541
• India:
o Address: 10 Anson Road, #14-06, International Plaza, Singapore 079903
o Contact person: Mr. Sujit Kunte (Regional representative)
o Email: kunte.sujit@dreamincubator.com.sg
o Contact number: +65 9127 7654

40. 39