The objectives of this research were 1) to study the member’s motivations to cremation payment, 2) to study the member’s behaviors to cremation payment, 3) to study the relationship between personal factors and the behaviors to cremation payment, 4) to study the relationship between motivations factors and the behaviors to cremation payment of the Funeral Association for Bank for Agriculture and Agricultural Cooperatives in Sichon district, Nakhon Si Thammarat Province. Data from 400 questionnaires completed by members of the funeral association were collected. The data were analyzed using the SPSS packaged statistics program to determine the frequency, percentage, mean, standard deviation, and Chi-Square statistic at the statistical significance level of 0.05.

The results showed the majority of sample were female, aged 51-60 years old, marriage, studying level is a middle school, main job is a merchant, incomes and expense is a range of 10,001-20,000 Bath. The majority of sample were those who paid for the funeral association by themselves and had no debt. The Overall of the motivation factors to cremation payment were at a high level.

The results of the hypothesis test proved correlation 1) the personal factors as sex is related to payment type. Age is related to payment period and payment type. Status and Main job are related to payment type. Income per month and Expense per month are related to payment period and payment type. Status of payer and value of debt is related to payment period 2) the motivation factors as product, quality, and safety are related to payment period. The motivation factors as product, reliability, safety and customer services are related to payment type. And the motivation factors as product and customer services are related to payment channel.