he development of the credit analysis tools for Thai agricultural cooperatives was applying research to be used in credit analysis of cooperatives, using the 5C's credit analysis principle to determine risk factors, and using the logit model to analyze the relationship between risk factors with the probability of default on debt repayment of cooperative loan members. The results obtained from the logit model are used 1) to develop the equation for predicting the probability of default, 2) to develop the credit scoring system, 3) to develop the risk rating system and the loan interest rate structuring system, and 4) to develop the risk-based pricing system. Each cooperative can use the credit analysis tools that reflect the risk of its members defaulting on their debt to reduce their chances of incurring non-performing loans.