INNOVATIVE MANAGEMENT OF HOUSEHOLD DEBT OF AGRICULTURISTS TO REDUCE INEQUALITY, IN ACCORDANCE WITH THE ECONOMIC REHABILITATION ALONG WITH PRACHARAT MODEL, LAMPHUN PROVINCE.

Abstract

This research entitled has the objectives as follows: 1. To study the factors that cause farmers to manage household debt. 2. To innovate in managing farmers' household debt effectively, and 3. To spread knowledge and innovation in household debt management to the target audience and the public.  This study are Quantitative Research, qualitative research and Action Research. The findings of this research as follows: 1. The reason for the debt is that the income is not enough to meet the expenses. There are additional supporting factors. socio-economic structure, culture, political policy, knowledge, occupational skills Adaptability and management. 2. Creation of innovations in effective household debt management of farmers: 1) Analysis of debt problems and debt management abilities; 2) Creation of innovative conceptual frameworks. by applying the Sufficiency Economy Philosophy 3) Creation of Innovation Models by creating new knowledge information and the application of the principle of utilitarianism; 4) the development of innovative models. by applying the methods of debt management of successful farmers to use as a guideline and apply the Sufficiency Economy Philosophy Agricultural technology media 5) Innovation improvement is to strengthen the principles of sufficiency economy and the Noble Truths to be more suitable; 6) Promotion of the use of innovation. is to raise awareness of the causes and factors of indebtedness Applications of debt management model WITHOUT Model include W=Wherefore Reasonable, I=Inventory Asset Transactions, T=Target Targeted, H=Honest Integrity, O=Orientation Adaptation, U=Understanding. Building understanding and T=Thrifty, frugality and 7) learning innovation. is to create self-learning apply debt management innovations in daily life; 3. dissemination of knowledge and innovations on household debt management to the target group and the public: 1) dissemination of knowledge and innovations through organizing training forums and workshops, and 2) dissemination of knowledge and innovation through electronic database information media.