This paper investigates household behavior with regard to consumption and precautionary saving under income uncertainty for durian farmers in Nonthaburi Province using both quantitative and qualitative research methods. A sample of 300 famers provides data collected by questionnaire and examined using the descriptive statistics of percentages mean and standard deviation as well as the inferential statistics of Pearson correlation and multiple regression analysis. The results show that durian farmers have an average income of 1039939.66 Baht per year and average debt of 574871.10 Baht per year. Focusing on precautionary saving behavior durian farmers save approximately 1000 to 5000 Baht per month by way of bank accounts premium saving bonds and human financial assets. In addition they exhibit a medium level of knowledge about philosophy of Sufficiency Economy including saving. However no relationship is found between level of saving and education. Hence the government should increase durian farmers’ knowledge concerning Sufficiency Economy including saving thus embracing improved human well-being as a developmental goal

The purposes of this research were to (1) investigate factors which have impacts on working-age people’s decision making to save money in Bangyai district Nonthaburi Province (2) study working-age people’ behavior in decision making to saving money in Bangyai district Nonthaburi Province (3) compare the importance of factors that affect to the working-age people’s decision making in saving money in Bangyai district Nonthaburi Province.The sample of the study consists of 400 people (ages 20-60 years old). The research instruments used for data collection were the questionnaire. The reliability data were analyzed by using frequency percentage means and standard deviation of t-test (Independent t-test) F-test (Independent sample F-test) and Content Analysis. The results of the study revealed that: The mainly respondents are female being over 30-40 years old having single status and education background in bachelor degree. Moreover the respondents are working as an employee of the private company the average income per month over 10000-20000 baht and family members around 3-4 people. The respondents pointed out similar saving money to use after retirement and deposit with banks in short term saving. The respondents will spend first then keep the rest of the money to saving and they have money savings less than 10%. The working-age people’s decision making to save money in Bangyai district Nonthaburi Province was at a moderate level. Two factors of decision to saving (1) income from savings and (2) saving characteristics were at a high level. Besides four factors of decision to saving (1) security (2) yield upon investment (3) incentives for saving and (4) social and economy were at a moderate level. There was low positive statistical significant relationship between the differences of age marital status education level occupation average monthly income family members purposes of saving savings schemes and factors affecting working–age people’s decision to saving at 0.05 However the respondents who have the differences of gender period of saving saving method and saving ratio focused on the factors of decision to saving at no difference.

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.