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 purpose of this research was to study the ways of Karieng tribal culture conserve and develop Karieng’s fabric and transfer technology to the target groups. The research instruments consisted of the interview the product prototype the opinion evaluation the performance evaluation the training evaluation. The sample groups used for this study comprised Karieng of Tambon Sridongyen Amphur Chaiprakan in Chaingmai province Karieng of Tambon Pangmoo Amphur Muang in Maehongson province Karieng of Tambonkhanaechue Amphur Maeramad in Tak province. Groups of 100 people were interested in these products and 25 trainees of Karieng of Tambon Sridongyen Amphur Chaiprakan in Chaingmai. Statistics used were percentage average and standard deviation. The results revealed that 3 Karieng groups were the same culture ways in the religion languages the life ways costumes occupation culture tradition residents and family systems. They were different from Karieng of Tambon Pangmoo Amphur Muang in Maehongson who wore a brass collar were called long neck Karieng but some people weren’t wearing them in this day. Groups of Karieng Tumbon Khanechue Amphur Maeramad in Tak province will use the urban lifestyle and costumes. Groups of Karieng Tumbon Sridongyen Amphur Chaiprakan in Chiangmai will use in sufficient style farmers and employees. All of them were similar to wear Karieng’s fabric in ceremonies. The researchers concluded that the development of tribe’s fabric were applied the costumes style from the origins. We used two methods: the striped fabric and decorative materials were made in ten patterns. The evaluation of Karieng’s fabric product found that the sixth clothes pattern were the best suitable in decoration the pattern and design averaged 4.45. and the transfer technology evaluation trainees groups were Karieng of Tumbon Sridongyen Amphur Chaiprakan in Chaingmai province wanted to know and practice to develop the modern garment pattern base on the conservative of wisdom and creation the economic communities. The assessment result found that the female trainees who were farmer’s occupation primary education income less than 4000 baht were over 40 years. Before training they knew the Karieng garment design in moderate level. Sewing and decoration of Karieng garment were in high level. After training they knew more three things. They brought the knowledge to use in high level. The trainees want to train the next time in the highest.

Chemical composition of commercial pasteurized milks contained different fat content (full-fat; FF low-fat; LF and non-fat; NF) was studied. NF contained the lowest fat content (0.12%) with the highest protein content (3.20%). NF exhibited the highest foaming ability and stability. The chemical compositions physical and sensorial properties of chocolate mousse produced from FF LF or NF were also investigated. M-NF had the lowest in fat content resulting in energy reduction when compared with M-FF and M-LF. M-NF also showed the highest firmness and adhesiveness (p<0.05). This was probably due to different chemical composition of pasteurized milk used. For color measurement M-FF showed the highest L* value. However all chocolate mousse samples had no difference likeness score for texture taste and flavor (p>0.05). From the results commercial pasteurized non-fat milk could be not only used for chocolate mousse production without effect on textural and sensorial properties but the energy from fat was also reduced.

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.