The objective of this study was to investigate Management of Credit Risk for Sustainability of Army Welfare Department Savings and Credit Cooperative Limited. The data were collected through the interviews with executives such as division directors or vice directors who were requested to provide guidelines how to sustainably manage credit risk. The research results revealed the overall credit risk management which was highly focused on the credit monitoring follow-up management borrowers’ qualification inspection borrowers’ financial competence and borrowers’ secured credit. The management of the Army Welfare Saving Cooperative Limited demonstrated decent understanding of how to prevent future credit risk proficiently and effectively considering from their systematic procedures of how to monitor and follow up the loans according to the credit risk management plan. Problems in relation to credit risk was rarely found as the allowance for doubtful accounts had been set which resulted in sustainable credit risk management and fluent administration suitable for the economy in the meantime as well as the future time.

The objectives of this study were to study personal factors service quality and the decision to choose the service of savings cooperatives in Bangkok to study personal factors that affect the decision to choose the service of savings cooperative members in Bangkok and to study the quality of service that affects the decision to choose the service of savings cooperative members in Bangkok. The population was 1210043 savings cooperative members in Bangkok in 2019. The samples were randomly selected from the population by Purposive Sampling of 400 people. The sample size was determined according to Taro Yamane method. The data was analyzed using descriptive statistics such as frequency percentage mean and standard deviation. The inferential statistics were: independent sample T-test one-way ANOVA analysis Pearsons Correlation Coefficient and Multiple Regression Analysis. The study results showed that the overall service quality level of savings cooperatives in Bangkok was high. The aspects that the sample group thought was of the highest quality was the facilities and responses to member services. The most important factors affecting the decision to use the services of the sample group were human resource development and service development. The study hypothesis test showed that personal factors namely age and membership duration in a savings cooperative affected the decision to use the service of savings cooperative member in Bangkok at a significant level of 0.05. The cooperative members aged 26-35 years focused on service development less than those aged 46 years and over at the statistical significance of 0.05. The group of 16-year membership focused more onservice development than those at the group of 6-10 year membership and the group of 11-15 years of membership at a significant level of 0.05. The service quality factors on trustworthiness confidence and knowing and understanding service recipients had a positive influence on the decision to use the savings cooperative service on cooperative business development aspect at the significant level of 0.05. The service quality factors on trustworthiness confidence and knowing and understanding service recipients had a positive influence on the decision to use the savings cooperative service on human resource development aspect at the significant level of 0.05. The service quality factors on trustworthiness and knowing and understanding service recipients had a positive influence on the decision to use the savings cooperative service on service development aspect at the significant level of 0.05. The service quality factors on confidence and facilities had a positive influence on the decision to use the savings cooperative service on service area development aspect at the significant level of 0.05.

The purpose of this research was to 1) study the behavior of mobile banking users of the Government Savings Bank 2) to study the quality of mobile banking services of the Government Savings Bank 3) to study the relationship between service quality and service behavior of mobile customers of GSB Uthai Branch and Pratunam Indra Branch. Phra Nakhon Si Ayutthaya is the five aspects of concrete services. Reliability. Customer Response Confidence in the customer. To know and understand customers Considered by basic data by sex age educational level occupation income per month. The sample used in the study was from the people who came to the mobile banking service of the two savings banks using the convenient sampling method of 140 persons. The instrument used to collect the data was a questionnaire to check the accuracy of the content from the instructors. Consult Statistics used in data analysis were descriptive and inferential statistics ie percentage mean and standard deviation. The study found that: 1) Type of service Frequency of service usage Date of service Time to use the service. Type of service Most people use the deposit-withdrawal service. Frequency of service usage Most people use the service once a month. Date of service Most people use the service Monday. Time to use the service. 2) The quality of mobile services of the Government Savings Bank Uthai Branch and Pratunam Indra Branch. All 5 areas of Ayutthaya have quality of service. Stay in good 3) The relationship between service quality and customer service behavior of mobile banking customers. Uthai branch and Pratunam branch Indra Phra Nakhon Si Ayutthaya Province has a relationship in the opposite direction.

This research titled “People saving status for pre-aging readiness” was aimed: 1) to study people saving status for pre-aging readiness 2) to study saving management conditions on people saving significance awareness incomes expenses and welfares in order to arrange the pre-aging readiness and 3) to study the situational factors and saving characteristics attitudes and behaviors influence in people saving status for pre-aging readiness. The quantitative research methodology was conducted the close-ended questionnaires were used as a tool for data collection and analysis results were presented in descriptive statistics. Samples used were the 360 pre-aging participants in Bangkok metropolitan with 40-59 years of age. Non-probability (Purposive) sampling and the basic statistics were used in analysis for frequency percentage mean standard deviation and inference statistics. Research findings suggested: 1) people saving status for pre-aging readiness in overview was in medium level the highest average was knowledge of proper professional skills for pre-aging people the next lower was family financial management and the lowest average was saving knowledge for earning more incomes. 2) saving management condition in overview was in large level the highest average were incomes and expenses the next lower was people saving significance awareness and the lowest average was welfare and 3) the situational factors and saving characteristics attitudes and behaviors have influenced in people saving status for pre-aging readiness.

This purposes of this independent research were to 1 ) study attitudes towards saving and investment of of Rajamangala University of Technology Phra Nakhon personnel as a financial retirement preparation 2) compare attitudes towards saving and investment of of Rajamangala University of Technology Phra Nakhon personnel with different personal and external factors. The data collected from the university personnel of Rajamangala University of Technology Phra Nakhon. The samples were 238 employees and the questionnaire was used as a tool to collect data. The study result indicated that the majority of respondents of Rajamangala University of Technology Phra Nakhon were female staff 166 (69.7%) 121 (121) and 152 (63.9%). The average monthly income was 20001 - 25000 baht or 47.1 percent. Their monthly expense was 15001 - 20000 baht which accounted for 38.2 percent. The results of this study revealed that the attitudes towards saving and investment of the Rajamangala University of Technology Phra Nakhon staff were different in terms of personal factors and external factors. The attitude toward savings and investment at the overall level was high regarding Acceptance of risk acceptance expected return understanding confidence and saving and investment experiences