UTCC survey (7-13 Sep 2026, 1,720 respondents): 91.8% of households have debt, averaging 794,945 baht, up 7.3% from 2025. Repayment is weak: 67.5% missed or delayed payments in the past year, and 25.2% expect debt to worsen slightly next year. Expect tighter lending from banks and weaker household spending. For a Thai SME, plan for slower customer demand, tighter credit for staff and customers, and keep cash buffers. Among factors, energy costs are a key pressure. Minimum wage and debt-aid measures are under discussion, not yet in force.