The objective of this study was to investigate Management of Credit Risk for Sustainability of Army Welfare Department Savings and Credit Cooperative Limited. The data were collected through the interviews with executives such as division directors or vice directors who were requested to provide guidelines how to sustainably manage credit risk. The research results revealed the overall credit risk management which was highly focused on the credit monitoring follow-up management borrowers’ qualification inspection borrowers’ financial competence and borrowers’ secured credit. The management of the Army Welfare Saving Cooperative Limited demonstrated decent understanding of how to prevent future credit risk proficiently and effectively considering from their systematic procedures of how to monitor and follow up the loans according to the credit risk management plan. Problems in relation to credit risk was rarely found as the allowance for doubtful accounts had been set which resulted in sustainable credit risk management and fluent administration suitable for the economy in the meantime as well as the future time.

The study is on “Satisfaction to Marketing Communication Tools : A Case Study of Business Organization of the Office of the Welfare Promotion Commission for Teachers and Educational Personal (BOWT)”. The aims of the study were (1) to study the level of exposition on education information as well as the level of satisfaction of marketing communication tools of BOWT (2) to compare the satisfaction towards marketing communication tools of BOWT among groups with different demographic characteristics and (3) to study the relationship between the exposition of education information and the satisfaction towards marketing communication tools of BOWT. The method of data collection had been carried out through questionnaire survey. The sampling groups consist of 400 teachers professors and instructors. The findings showed that the sampling groups received information on education at the moderate level. The highest exposition level is on general education information followed by information on production and distribution of BOWT goods and general information respectively. The satisfaction towards marketing communication tools in general was rated as “high”. For different marketing communication tools the highest level of satisfaction was rated on sale representatives who gave any information at the ( ง ) point of purchase of BOWT. The high level was rated on leaflets and catalogues. The low level was rated on newsletter or “Suksapan News” which was sent through postal mails. Moreover it was found that certain factors include age level of education employment duration office agencies/units and monthly income affected the satisfaction towards marketing communication tools with statistical significance at 0.05 level. The overall information exposition was in line with the satisfaction towards marketing communication tools at the “high” level. Also it was found that marketing communication tools through website (www.suksapan.or.th) poster / banner leaflet / catalogue newsletter of “Suksapan News” BOWT training programs and public relation news affected the exposition of education information in 3 areas i.e. general education information production and distribution of BOWT products and other general information. The marketing communication through sale representatives of BOWT affected the exposition of education information in 2 areas i.e. general education information as well as information on production and distribution of BOWT products.

This study of the role of family locals and community in enhancing the quality of elderly people’s lives in central area by means of Sufficiency Economy theory collected the data from people. It aims 1) to study the role of family locals and the community to enhance the quality of elderly people’s life in Thailand’s central region; 2) to analyze factors related to the quality of elderly people’s lives; and 3) to identify ways of encouraging the development of elderly people to prepare them to be part of the society of elderly people in the ASEAN region. The participants in this research were elderly people in the central region. The research used quantitative methods to measure quality of life. Multi-stage sampling was employed. The data were analyzed with descriptive statistics such as average (x̅) and standard deviation to investigate the elements of each factor in the study. The results from the focus group regarding the quality of elderly people’s life can be summarized as follows: 1) The development of the quality of life of elderly people is based on the concept of “Strong community and people through the development and adaptation of the theory of the Sufficency Economy”. 2) The development of the quality of elderly people’s lives by means of religion: emphasizing the Buddhist way of life and local wisdom and culture to teach family members to be a grateful and loyal and to be a good person for the family and local community. 3) The quality of life of elderly people can be improved by implementing laws informed by morality to encourage generosity between family locals and community to solve the problems of elderly people. 4) The quality of life of elderly people locals and the community is based on mutual respect living together naturally according to the concept of the Sufficiency Economy in order to support large numbers of elderly people in the future. Suggestions arising from this research and from other ideas from participants include increases in government funds budgeted to support elderly people and the creation by local government of projects and activities for elderly people. In addition the participants also perceive the need for a chance for the elderly to study and learn in the local elderly school without age limit as a form of life-long learning. The participants also suggested the idea of evaluating the systems of schools for elderly people according to the “cheerfulness and happiness” of learners rather than by any other method. Connections between the schools for elderly learners in the central area should be co-ordinated so as to create more projects and activities.

This study was aimed to investigate problems and obstacles of 30 Royal Aide De Camp Department officers’ disbursement. The questionnaire was administered as the instrument for collecting data which were analyzed by the frequency distribution percentage distribution standard deviation t-test and One – Way ANOVA. In case of 0.05 statistical differences was found Least Significant Different method was applied to verify each pair. The results of the study revealed that most officers were males ranging between 31 to 40 years old and held bachelor’s degrees. They were responsible for the disbursement as administrative clerks with at least 15 years work experience. In terms of their opinions towards the disbursement they demonstrated in the average level. When examining each item the disbursement was still lack of notifying its processes such as paying reporting verifying informing since these are complicated orders. In addition payments were done through cash and checks; therefore executives or officers involving need to provide trainings or excursions in order to speed up the disbursement processes to obtain good understanding and problem solving skills to increase work efficiency and other necessary work experiences from other related work places.

The purposes ofthis research were to study and compare the need of the lecturers welfare and benefit organizing in Rajamangala University ofTechnology Phra Nakhon under the Teacher Reforms of the Ministry ofEducation in four aspects namely lecturers life-quality improvement moral and mental supports profession stability and salary and other fringe benefits improvement. The sample consisted of lecturers of Rajamangala University ofTechnology Phra Nakhon employed during the academic year 2008 selected by stratified random sampling technique; and the sample size of228 lecturers was chosen according to Krejcie and Morgans tables (Krejcie and Morgan 1970 : 607-910). The tool used for collecting data was Likert 5-level rating scale questionnaire. The statistics used in this research were percentage arithmetic mean standard deviation t-test one-way ANOVA and Tukey-Kramer test. The research revealed as follows. 1.The lecturers needed high level of welfare and benefit organizing in the overall aspects and in each aspect namely lecturers life-quality improvement moral and mental supports profession stability and salary and other fringe benefits improvement. 2.The lecturers who had different sexes ages and marital status also had different needs in overall and each aspects without significant difference. On the contrary the lecturers with different educational qualifications had different needs in overall and each aspects with significant difference at the level of .05. The lecturers who had different working experiences also had different needs in overall aspects with significant difference at the level of .05. When considering each aspect it was found that the lecturers needed their life-quality improvement compared to moral and mental supports differently with significant level at .05. When doing pairwise comparison it was found that the lecturers with under Io-Year-working experience had higher needs than and had different needs from those with 10 to 20-year-working experience.