This research is about the management of innovation and wisdom: transitions of community financial institutions in the lower central region. The objective is to study solutions to financial problems for members of financial institutions by recommending the knowledge of the _risk of incomes knowledge of credits arising from financial corporation loans and analyses of financial security conditions. It studies the process of hedging the income risks against the returns from credit or loan services. This is to be guidelines for developing and solving the financial problems of financial institutions in line with the lifestyle of financial organization members in the lower central region; Phetchaburi Kanchanaburi and Ratchaburi provinces. This research is mixed methods; both quantitative and qualitative. Quantitative data includes descriptive statistics to describe the status of household members in the lower central region classified by the nature of the information in terms of economy society households and infrastructure conditions. The total value percentage and mean are analyzed by logistic regression to determine the relationship of the variables. Qualitative data come from interview methods and focus groups as well as applications of participatory action research. The research results showed that: 1.The majority of the farmers was female (63.7 percent) and were in the age range of 51-55 years old (38.8%). There were farmers with marriage-marital status (55.3%) secondary-school-level education (34.25%)1-3 household members (51.2%) farmers with incomes ranging from 10001 -20000 baht (39%) and farmers with expenses from 5001 - 10000 baht (28.7%). There were the need to increase knowledge of risks from training. Knowledge of financial transactions showed that farmers have the need for training (78.8%) and the need of training about proper financial planning showed that farmers have 100 percent of training needs. 2.The causes of indebtedness for the farmers in the lower central region include new debts to repay existing debts (21.4%) housing debts (20.8%) consumption debts (19.6%) childrens education loans (18.8%) investment in agriculture (17.1 %) the impulse side of access to government policies (2.3%) as well as health problems. Most farmers who have debts from borrowing often encounter failures from borrowing to invest in agriculture. They lack professional knowledge lack financial disciplines among farmers such as borrowing to repay old debts causing insufficient funds for investment lack of planning for future savings and of accounting for income and expenses. Problem-solving suggestions: It is very important to educate the households as a partner of cooperation. Education about the financial risks will lead to the hedging process to be consistent with the way of life of the community leading to concrete actions and to development throughout the course. This also includes the ability to improve and modify operations to be successful during operational processes as well as development processes ranging from thinking decision-making planning its implementation and evaluation. Hedging against debt risks is essential for members to be educated. In financial management risk analysis is related to financial obligations. Financial knowledge will bring benefits to the public and will strengthen financial management capabilities leading to an increase of incomes. The learning process through practice has the following important steps of operational processes and practices. 1. Planning. It is a participatory process between the researchers and the target groups to solve financial problems as well as hedging financial risks of the target groups. It starts with a suNey of current conditions an exploration of the problems of the targets and data analyses as the main mechanism for participation. It also includes the process of using tools for recording incomes and expenses and the analyses of those data for solving problems at the household levels. 2. Making-it-real practice. It is about the method of credit analysis to implement the plan and about its improvement. It uses data from recording incomes and expenses of members. 3. Conclusion and reflection. It is the 3rd stage component of learning from practice to solving financial problems. It works through learning activities with the method of training-based education as well as the follow-up and evaluation of results leading to support the processes for the prevention of financial and debt problems. Especially providing knowledge on the recording of incomes expenditure savings risk management and personal finance management are needed to take into consideration in terms of their importance. 4. Exchange of knowledge. There are activities such as summarizing lessons and exchanging knowledge continuously. This is considered as an important element that will lead to the integrated solutions of the debt problems. It is the consequence of having the opportunity to summarize lessons on their own and then yielding personal development.

This research aims to study the demographic characteristics affecting the decision to buy home furniture through mobile applications for Gen Y consumers and study the marketing mix 7 P’s and digital marketing model that affect the decision to buy home furniture through mobile application of Gen Y consumers. The population used in this research is population born between 1980 and 1997 are now between 24-41 years old live in Bangkok amount of 1453477 people the data were collected from 400 samples. The sample size was calculated following the Taro Yamane method.The descriptive statistics used were frequency percentage mean standard deviation (SD) and Inference statistical such as the difference analysis of the mean of the 2 sample groups (Independent Sample T-test) difference analysis for sample mean of more than 2 groups by one-way analysis of variance (One-Way ANOVA) and multiple regression analysis (Multiple Regression). The research results indicated that 1) the demographic characteristics such as gender and age had no impact on the overall decision-making to buy home furniture through mobile application of Gen Y consumers. In contrast marital status level of education career and income had an overall effect on the decision to buy home furniture through mobile applications for Gen Y consumers 2) Furthermore the marketing mix 7 P’s consisting of product price promotion process physica presentation and digital model on the overall effect the decision-making to buy home furniture through mobile applications. Moreover digital marketing model content marketing website creation assisted marketing e-mail marketing and online marketing impact the decision-making of buying home furniture through a mobile application. It was recommended that since the marketing mix especially product price and promotion affected the overall decision-making of buying product. Therefore if home furnitures are sold through mobile application content marketing must be developed at the highest level followed by social media marketing and email marketing had the most negligible positive impact on the overall buying decision-making and every factors

The purposes of this research were to analyze arts and sciences educational management circumstance in general education course of higher education. Including study arts and sciences educational management in general education course in the 21st century. They were mixed method research. The data were analyzed by descriptive statistics and content analysis. It was found that the current circumstance of arts and sciences educational management in general education course of higher education found 3 parts; (1) the teaching process in general education courses focused on relationship skills knowledge cognitive skills and the numerical analysis teaching (2) responsive subjects in teaching methods the instructor focused on instruction emphasizing on the combination approach teaching used practice and research teaching (3) teaching activities the instructor emphasized in classroom activities rather than outside classroom activities. The approach of arts and science educational management in general education courses corresponds to learning in the 21st century found that focus on living and working with teaching process in the moral and ethics the knowledge cognitive skills relationship skills and the numerical analysis. The cognitive skills and innovation should focus on the teaching of moral and ethics and the knowledge and IT skills media and technology should focus on moral and ethics teaching the knowledge and cognitive skills.

Carbide Insert efficiency development of this research equivalent to standard insert type : SEKN1203AFTN. For the higher operating efficiency is the machining time by the tool life increased for rough machine of face milling machine. Flank designed to have a flow slot coolant flow rate of coolant to have a incrased convenient flow as a result the surface and cutting edges less heat. The machining ability is different compared to the unslot in flank. The flank slot reduces the contact and slot which to have coolant flow and friction force milling machining. As a result the milling time was 26.31% the vibration was reduced by 35% and the workpiece surface Roughness was reduced 62.79%. As a result to development the phototype product is performance in using and cutting edge increased. It can be apply in using Cement Tungsten Carbide in sustainable industries.

Increasing concentrations of CO2 in the atmosphere is causing severe environmental destruction to the earth. Bio-sequestration of CO2 is a promising way to completely sequester CO2 by converting it into biomass by way of photosynthesis. The current research focused on biomass productivity and CO2 sequestration efficiency using microalgae. The experiment choose Spirulina sp. RMUTL by cultivating in working volume 8 liters bioreactor with zarrouks medium for 24-hrs with light nature and aeration air. The CO2 (100%) was flushed into the medium with a flow rate were 0.01 0.02 and 0.03 vvm respectively. The period of all experiments were 30 days. The results showed that the maximum specific growth rate OD560 algae biomass productivity efficiency of CO2 reduction CO2 fixation rate and carbon loading rate were 0.35±0.01 d-1 0.85±0.00 600.00±10.00 mg.L-1 96.83±0.76% 1 128.00±18.80 mg.L-1.d-1 and 2 0 . 4 1 ±0 . 2 6 g. d-1 with 0.01 vvm CO2 flow rate. The average CO2 sequestration over 30 days were 3.15.±0.03 3.11.±0.02 and 3.07.±0.07% in 0.01 0.02 and 0.03 vvm CO2 flow rate respectively.