The objectives of this research are to study the credit considerations criteria the opinion about credit analyzing for SMEs business of the credit analysts and the problems of the credit consideration process of SMEs business in Kasikorn Bank Public Company Limited and Siam Commercial Bank Public Company Limited. The sample groups are 181 credit analysts of Kasikorn Bank Public Company Limited and 219 credit analysts of Siam Commercial Bank Public Company Limited. The collected data by questionnaire. The result of this study is the main information which the questionnaire answerers use for credit consideration are the personal document of borrower. The most important information use is the current account statement. The financial statement which is used in credit consideration the most important is income statement. The objective of using financial statement in credit consideration is analyzing the solvency. The important transaction in financial statement which is used for credit consideration are profit/loss and revenue/expense. To give priority to the qualitative analysis the result is the majority of questionnaire answerers give priority to collateral the majority of questionnaire answerers give priority to the statement of cash flow. The opinion about the problem of credit consideration process the result is the majority of questionnaire answerers give priority to look for the customers. The result of assumption test is the overall qualitative analysis quantitative analysis and problems in credit consideration process are different.

The objectives of this study are to develop a management system for examination bank and an online examination. Working procedures were performed by analysis a traditional working system and problems study of user requirements design of a new working system and a development of the new system. PHP and JAVA programming language operating with MySQL for developments and a database management were used. The new system consists of 6 systems by operating as web application. Users are 3 groups that are teachers students and administrator. In the items analysis stem a reliability value was calculated using KR-20 and KR-21 of Kuder-Richardson. The level of difficulty and discriminating power were identified using choice analysis with 27 percentages of upper and lower technique. The new system was tested with 3 groups of teachers students and administrator. The evaluation was performed using questionnaires. The results of the evaluation shown the contentment is in good level. Accuracy of the system was measured by comparison between a traditional item analysis and the new system. The comparison results were not different. However the accuracy of item analysis results depends on knowledge of the students who are in testing.

The item bank framework on cloud computing is developed to present the concept progress of an information system which combines the features of the private cloud and the program development of software framework for the item bank service. The designs based on item bank frameworks of object oriented programming concept design. It leads to the new software that can be reused and has further development. The developed frameworks are divided into two parts: 1) the connection to the user interface which functions as the display and connection to the system and 2) the website service serves the exchange of data between distributed databases in servicer’s computers of the item bank service by the internet networking. The number of 15 samples in the research evaluation are the specialists in information technology and education. The statistics used in this research are the mean and standard deviation. The result revealed that the developed model is suitable at the highest level in all aspects except the service and implementation of the examination bank framework are in the high level.

The study on the trend of demand and factors affecting selection of Business Administration graduates from Rajamangala University of Technology Phra Nakhon to work for commercial banks in Bangkok and metropolitan area was aimed at studying 1) the trend of demand for Business Administration graduates to work for commercial banks 2) factors affecting selection of Business Administration graduates from Rajamangala University of Technology Phra Nakhon to work for commercial banks and 3) analysis of satisfactory characters affecting selection of Business Administration graduates from Rajamangala University of Technology Phra Nakhon to work for commercial banks in Bangkok and metropolitan area. The questionnaires were constructed and passed internal consistence test of alpha method with more than 0.70. They were used as a tool for collecting data from 400 branch managers of Thai and foreign commercial banks. The statistics used for analysis were SPSS with frequencies distribution percentage mean standard deviation and exploratory factor analysis. The research finding indicated that 1) in 2005 the commercial banks in the sample group are planning to acquire new staff who graduated Administration Business from both Bachelors degree and Masters degree with Thai or English program. They mostly required the ones graduated from Finance and Banking and also Accounting Marketing General Management respectively. The Business Administration graduates from Rajamangala University of Technology Phra Nakhon were required the most and the second was from public universities and the third was from private universities. 2) the first-ranked factor affecting selection of Business Administration Bachelors graduates from Rajamangala University of Technology Phra Nakhon to work for commercial banks in the sample group was morality and honesty and for Masters ones was leadership 3) Working ability affecting selection of Business Administration both Bachelor and Masters graduates from Rajamangala University of Technology Phra Nakhon to work for commercial banks in Bangkok and metropolitan area at highest level with a variance of 14.074% and 13.501% respectively.

The purpose of this Independent Study (IS) is to study and compare the satisfaction of the housing mortgage users of the Kasikornbank PCL at Minburi District in Bangkok Metropolitanregarding product price promotion distribution places and personnel categorized to gender age status education level income occupation housing mortgage usage in other financial institutionsand the amount of credit line needed. The result from the study indicated that the service users collectively showed high level of satisfaction. It was found that the sample group showed high level of satisfaction to 2 topics i.e. highest in the product and followed by the personnel. When comparing service of users having different gender age status education level income and occupation collectively and perspectively it showed statistically insignificant differences while users of housing mortgage in other different financial institutions and users who need different amount of credit line collectively it showed statistically significant difference in satisfaction of the housing mortgage users of the Kasikornbank PCL at Minburi District in Bangkok Metropolitan at the level of 0.05.