THE MODEL OF HOUSEHOLD’s DEBT MANAGEMENT FOR RUBBER PLANTERS BY THE PHILOSOPHY OF SUFFICIENCY ECONOMY IN UPPER NORTHEAST OF THAILAND

Abstract

    The purpose of this research paper. 1) to study the problems of debt management of rubber growers, 2) to define the model for the debt management of rubber growers, 3) to experiment the model for the debt management model of rubber growers according to the sufficiency economy philosophy in the upper northeast region. Conducting research for 3 phases. phase 1 Using 1) The target group is Head of the households, rubber growers, a total of 25 households, of semi - structured interview form, 2) The sample group consisted of 364 households of questionnaire. The data were analyzed statistically for and percentage, average and standard deviation. Phase 2 the target were 30 experts. The instruments used in the research were the suitability and feasibility assessment. Phase 3 the experimental group was farmers who were indebted     to rubber plantation amount 30 people. The research instruments were, 1) experimental project, 2) experimental activity, and 3) experimental evaluation form. Data were analyzed using descriptive statistics such as frequency, percentage, mean. The study concluded as follows: The study in problems for household debt of rubber growers, Consists of 5 sides. 1) problems of farmers 'debt management by financial institutions, 2) problems of farmers' debt management by farmers themselves, 3) problems of applying the principles of the sufficiency economy of farmers, 4) problems of debt situation of farmers and 5) Problems of farmers' debt management by government. The model for the household debt management of rubber growers. the pattern of household debt management of rubber growers, were the 5-sided structure. 44 elements of the activity. Application of the philosophy of the sufficiency economy in debt management of farmers. Name of project to reduce production costs by using custom fertilizer from rubber growers. To reduce expenses and increase income for farmers Bueng Kan Province.