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.

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 study aimed to the cause of becoming in-debt of farmers to study the ways of debt solutions and to study the sustainable way to solve the debt problem of farmers at Thung Kula Rong Hai Plain. The researcher employs the mixed research methods. A sample of 400 people was surveyed by answering a questionnaire. The simple random sampling method was employed in selecting the Subjects Both descriptive statistics: Frequency percentage. 40 people from the sample group were interviewed to provide indepth information. The research interviewed selected farmers from four provinces at Thung Kula Rong Hai Plain using constructed questionnaires. Focus group interviewing also conducted with selected farmers and their community leaders from the same provinces. The research found that most of the farmers agreed that the project could solve and improve the debt problem; and enhance strenuous community. However there were some problems in management process for unclear objectives and procedure and lack of continuous evaluation.