The objective of this study is to study the root causes of credit growth problems that do not meet the target and find solutions. When studying the relationship between the growth rate of registered customers, borrowers and those who have not used credit services for more than 1 year and the rate of increase of credit, it is found that there is a opposite relationship.Therefore studying to find the reasons for not using the service and the factors that will bring back to use the service, the population is BAAC customers, Nakhon Nayok Provincial Office. That is registered as a borrower and has not used the service for more than 1 year, a total of 9,271 people will need to use the sample of 366 people. It is found that most of the reasons for not using the service are the need to borrow money in the amount of 39.86%, have sufficient funds 28.42% of occupation, 15.57% of inconvenience in contacting channels And the factors that will bring you back to use credit services Which has the 3 highest average priorities, which is the loan amount that is suitable for the need for quick approval / approval Modernization of equipment and tools and The staff provide advice and help solve problems well / The staff can serve customers without any errors at all.