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.

The Research about Register and pay tuition fees through the application System Case study: Rajamangala University of Technology Phra Nakhon. The purposes of this study were to study the needs of the system to register and pay tuition through application and to study the expectations of students the performance of your system to register and pay tuition through application of Rajamangala University of Technology Phra Nakhon. This research is a qualitative research. Researchers were collected qualitative data to study the expectations of students to register and pay tuition through application. The samples use in to study consisted of 400 people. The procedures and methods of operation and the data were collected by questionnaire to a sample to determine the expectation of student registration and payment of fees through the application of Rajamangala University of Technology Phra Nakhon and the statistical analysis using computer processing program. The study found that the majority were female. The majority of respondents are 4th year students and 2nd year transfer. Frequency of using the registration service more than five times. Most students have used mobile money transfer service through the application. Students have a need for the university to create a registration application system. Most respondents had expectations and expectations about the registration and payment system through the application system. The design and utilization are at a high level. There is a need for a systematic change in enrollment in digital university. There should also be an agency or system that can assist or talk through the various channels throughout the use of the registration system through the application.

Design of grounding system to protect against lightning and fault is important for both safety and reliability especially for Metropolitan Electricity Authority (MEA) as mostly Metropolitan Electricity Authority operates on overhead networks. This thesis assesses lightning performance for 69 kV 115 kV overhead subtransmission lines 24 kV distribution line using case study from Metropolitan Electricity Authority. Because of the limitation of the right of way distribution feeders are regularly installed together with subtransmission lines in a single concrete pole. Overhead Ground Wire (OHGW) installed at top of the pole and grounding system in concrete pole protects fault current or direct lightning surge to ground. Metropolitan Electricity Authority has developed lightning protection based on an IEEE standard which uses international data for insulation coordination. As a result reliability of the system is lower than the designed value. This thesis suggests a methodology to improve the performance in order to increase the reliability of subtransmission and distribution lines feeding distribution substations. This thesis recommends installation of addition external ground wire on the outer surface of the concrete pole to reduce top pole voltage and back flashover rate or installation of bundle overhead ground wires to protect shielding failure. As all the case studies presented in the thesis which constitute this thesis are applied to existing systems of Metropolitan Electricity Authority it is expected that the proposed methodologies can be served as useful practical guidelines for lightning performance assessment subtransmission lines and distribution lines of Metropolitan Electricity Authority.

Most of Metropolitan Electricity Authority (MEA) electric power system is using overhead line. It is 94% in the system including subtransmission distribution and low voltage system. All of them were installed on concrete pole. At present many public facilities have been built such as Sky-Train. It causes more constrains for construction with concrete pole due to lack of right of way. MEA needs to using electrical monopole plays an important role. It’s easier than concrete pole for construction and it requires less construction area than concrete pole. The thesis evaluation of lightning performance in subtransmission line 69 kV study on MEA. Case lightning strike on overhead ground wire (OHGW) at pole top of electrical monopole with suspension insulator Focusing on three factors is pole top voltage critical current and back flashover rate (BFOR). ATP-EMTP software is used for simulation. The results show that BFOR is reduced by 79% on electrical monopole structure with suspension insulator compared with existing concrete pole. BFOR is also reduced by 33.17% on concrete pole with external ground wire. The results could be served as a guideline in subtransmission line design and improvement in MEA power system.

This research aims to study a model of marketing strategic towards generationmillennials customers’ buying decision using food delivery application and to present model of marketing strategic towards generationmillennials customers’ buying decision using food delivery application. The mixed methods approaches of quantitative and qualitative research methods were used. In qualitative research method using in-depth interviews with 11 respondents and quantitative research in which questionnaire was used as an instrument to collect data from 400 populations of generation millennials customer living in Bangkok who order foods through food delivery application. Statistics for data analysis included frequency percentage average standard deviation exploratory factor analysis (EFA) The results indicated that most of the respondents were women with a bachelorsdegree who had a career as private company employees and an average monthly income of 18000 – 25000 bahts use Grab application the most use less than once week there are a total of 2 orders per order choose order the most street food average 100 - 350 Baht cost per time order food in the evening (17.01-22.00 p.m.) order food to eat at accommodation most order food to eat with friends reason for ordering a delivery is that it is comfortable from out going by self choose to pay by cash and consumers think that all of the factors are important in deciding to order food from restaurants through the Delivery Application application at high level. Results analysis of factors affecting generation millennials customers’ decision making to order from food delivery application be classified into eight factor as 1) easy to user experience strategy 2) goods value and price strategy 3) physical evidence and presentation strategy 4) strategies for brand awareness 5) accuracy and complete strategy 6) restaurants management system strategy 7) sales promotion strategy 8) new product development strategy.