PAYAP UNIVERSITY JOURNAL

Cover in Vol.35 No.1

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Backside

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Bibliography

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Financial Planning and Saving for Retirement Preparation in Thailand

2025-06-26T13:33:25+07:00

Financial planning is the ability to effectively and carefully manage spending, saving, and investment decisions to support a person's needs in the future. Specifically, financial planning and saving for retirement should begin immediately upon receiving income. In addition, important factors affecting financial planning and saving, such as income and expenses, ability to work after retirement, age and duration of savings, economic environment perception, tax planning ability, interest rate planning ability, health and risk, spending and saving behavior, and financial literacy should be carefully considered. The consideration of these factors will enhance the effectiveness of selecting financial planning and saving tools and technologies that are suitable for achieving long-term financial goals, promoting self-dependence, and ensuring financial and life success.

The Importance of Crowdfunding for Social Enterprises in Today’s Context.

2025-06-26T13:44:31+07:00

This academic article aims to explain the meaning, importance, roles, and benefits of crowdfunding in relation to social enterprises in the modern context. It presents case studies and highlights the current channels and procedures required for crowdfunding, which often involve regulatory frameworks and compliance through stock exchange mechanisms. The article also discusses the significant roles and various types of successful crowdfunding platforms, providing a clearer picture for social entrepreneurs seeking to launch their own crowdfunding campaigns. This will include a summary of the key challenges and risks, along with an explanation of the interrelationship between the role of crowdfunding and social enterprises. Crowdfunding can offer social enterprises numerous benefits, including reduced financial risk, increased opportunities for innovation, and enhanced image and credibility. The four main types of crowdfunding are: donation-based (without expecting returns), reward-based (offering products or services in return), equity-based (offering shares or ownership), and lending-based (with interest returns). Key roles of crowdfunding for social enterprises include serving as an alternative funding source, building a network of supporters, and enabling market testing. It also plays a vital role in reducing financial risk, fostering innovation, and increasing public trust. Examples of successful crowdfunding initiatives include disaster relief efforts, educational projects, stray animal rescue programs, and medical expense fundraising. These cases illustrate how crowdfunding can help drive positive social and environmental impact.

Teaching Methods and Teaching Techniques for Chinese Students: A Case Study of GE. 142 The Health Myths

2025-06-26T14:00:00+07:00

Payap University’s General Education office offers a GE. 142 Health Myths course for Chinese students enrolled in the Thai curriculum for Thai for Communication for Foreigners. The instructor faced challenges in teaching because the Chinese students struggled to comprehend the healthcare content due to their limited Thai language skills in listening, speaking, reading, and writing. To address this, the instructor employed five teaching methods: (1) the lecture method, (2) the demonstration method, (3) the role-playing method, (4) the experiential learning method, and (5) the project-based method. Additionally, five teaching techniques were used: Technique 1: Vocabulary search and note-taking, Technique 2: Teaching using only the Thai language, Technique 3: Starting activities with listening and speaking, Technique 4: Individual thinking - Pair thinking - Group thinking, and Technique 5: Speaking to develop a growth mindset. The results of implementing these methods and techniques showed that they enhance Thai language learning and understanding of the Health Myths course content among Chinese students, helping to achieve the course objectives, which focus on personal health care.

The Tale of Tiger Yen: The Relationship between the Tale and the Social and Cultural Context of the Tai People

2025-06-26T14:05:45+07:00

This article aims to analyse the event particles and narrative types in the tale of "Tiger Yen," as well as to examine the relationship between the story and the social and cultural context of the Tai ethnic group. The study found that the event particles in the tale of "Tiger Yen" can be classified into two narrative types: the story of a man transforming into a Tiger Yen, and the story of a monk transforming into a Tiger Yen. The key element that gives the tale its magical quality is the transformation from a human into a tiger, which is a universal motif in folktales. The relationship between the story and the social and culture context showed that the tale of "Tiger Yen" reflects the connection between the story and the beliefs of various Tai subgroups, including the belief that tigers are ancestral beings, the belief in tigers as powerful creatures, as well as the long-standing traditional and Buddhist beliefs embodied by the monks, which have been deeply intertwined with the Tai people's way of life for an extended period.

Work-Life Quality of Educational Support Staff at the Prince Royal’s College, Chiang Mai Province

2025-06-26T09:48:56+07:00

The objectives of this research were: 1) to study the levels of work-life quality of educational support staff at the Prince Royal's College in Chiang Mai Province, 2) to study the level of supporting factors affecting the work-life quality of educational support staff at the Prince Royal's College in Chiang Mai Province, and 3) to examine the relationship between supporting factors and work-life quality of educational support staff at the Prince Royal's College in Chiang Mai Province. The research sample group consisted of the Prince Royal's College support staff in Chiang Mai Province. The sample size determination was conducted at a 95% confidence level using Krejcie and Morgan’s formula, specifically targeting 150 non-teaching support staff members. The research tool used a questionnaire with a five-level rating scale and a reliability coefficient of 0.927. The statistics employed in data analysis were percentage, mean, standard deviation, and Pearson’s correlation coefficient. The research findings revealed that the overall work-life quality of educational support staff at the Prince Royal's College in Chiang Mai Province was high. The supporting factors affecting the work-life quality of educational support staff at the Prince Royal’s College in Chiang Mai Province were high. Additionally, the relationship between supporting factors and the work-life quality of educational support staff at the Prince Royal’s College showed a correlation coefficient of 0.844, indicating a high positive correlation with statistical significance at the 0.01 level.

Development of Distribution Channels for the Leaf Packaging Product of Mae Faek Mai Sub-District Housewives Group, San Sai District, Chiang Mai Province

2025-06-26T10:06:32+07:00

This research aims to 1) analyze the challenges in developing distribution channels for leaf packaging products produced by the Mae Faek Mai Sub-District Housewives Group and 2) synthesize and develop strategies for improving distribution channels for the group’s leaf packaging products. This qualitative research involved 16 key informants, who were members of Mae Faek Mai Sub-District Housewives Group in San Sai District, Chiang Mai Province, and were selected through purposive sampling. Data were collected through in-depth interviews, and focus group discussions analyzed using the SWOT analysis and Five Forces Model, along with content analysis. The findings revealed that 1) the group’s leaf packaging products have notable strengths, including an adequate supply of raw materials within the community. However, the group faces weaknesses, including limited distribution channels. Opportunities arise from government support, while threats include changing consumer behavior. Regarding market competition, new entrants can easily penetrate the market. The bargaining power of producers is low due to the availability of raw materials, whereas the bargaining power of customers is high as they can choose alternative packaging. Additionally, the threat of substitute products is significant due to lower prices. 2) Regarding strategies for developing distribution channels, the group decided to use Facebook Fanpage as the primary channel due to its low cost, ease of use, and the members' existing skills in managing the platform. This decision has led to more efficient and diversified distribution channels, increasing market reach and expanding business opportunities for the group.

Factors Affecting Loan Default Among Village Fund Members: A Case Study of Village Fund in Chiang Rai Province

2025-06-26T10:19:15+07:00

This research aims to 1) study the relationship between the evaluation levels of the management of the village fund and the default on loans by fund members, and
2) investigate the relationship between accounting practices, internal control, and risk management of village funds and member loan defaults. This quantitative research employed a questionnaire survey to collect data from 326 representatives of village and urban community fund committees in Chiang Rai Province. The sample was selected via stratified random sampling based on geographical areas from a total of 1,753 village funds. One-way analysis of variance (One-Way ANOVA) and multiple regression analysis were used for descriptive statistics data analysis
The findings revealed that the level of management evaluation of village fund (categorized as levels A, B and C) was statistically significant in relation to both the number and value of loan defaults. Village funds with different evaluation levels exhibited varying amounts and values of overdue debts. However, accounting practices, internal control, and risk management play important qualitative roles in fund administration, the results from the multiple regression analysis presented no statistically significant influence of these factors on member loan defaults.

Relationship between Family Members' Shareholding Proportion and Economic Value Added: the Role of Effective Corporate Governance

2025-06-26T10:38:02+07:00

This study aims to investigate the relationship between family members' shareholding proportion and economic value added (EVA) through an analysis based on the role of effective corporate governance. The samples were collected from 1,379 firms listed on the stock exchange of Thailand between 2016 and 2018. Descriptive statistics and multiple regression analysis methods were employed to examine the hypothesized relationships. The empirical findings revealed that both the proportion of shares held by family members and the proportion of board members who are family members are significantly and negatively associated with EVA. These results illustrated that excessive family control can lead to a lack of board independence, thereby increasing the potential for conflicts of interest and adversely affecting the quality of financial information in family business. Consequently, striking a balance between family control and professional governance practices is crucial to enhance investor confidence and safeguard the interests of other stakeholders.

Psychological Self-care during the Moment of Inferiority among People with Visual Impairment

2025-06-26T10:47:58+07:00

This study aims to examine the psychological self-care strategies employed by individuals with visual impairments to cope with feelings of inferiority. Seven visually impaired participants, aged 18 and older, who had previously experienced but overcome such feelings, participated in in-depth interviews. The data were analyzed using content analysis, which revealed three key psychological self-care strategies. First, emotional expression helped participants gain perspective, receive encouragement, and relieve distress by sharing their experiences with others. Second, recognizing and embracing human differences fostered self-acceptance, reduced self-comparisons, and promoted greater personal freedom. Finally, engaging in enjoyable activities, such as hobbies, eating, and resting, contributed to relaxation and well-being, with sleep playing a vital role in both mental and physical recovery. These strategies collectively strengthened resilience and improved participants’ ability to cope with daily challenges.

Passive Structure in the Isan Dialect of Thai from the Television Drama Nai Hoi Tamil, the Chief of the Caravan

2025-06-26T10:56:22+07:00

Thai people have adopted the passive voice pattern in Thai from foreign languages since the early Rattanakosin Period. As a result, the passive voice is widely used in formal and informal speech. The use of such linguistic forms has been widespread and extends to other Thai dialects. This research aimed to analyze passive voice usage patterns in Isaan languages. The data were collected from the selected conversation in the television script “Nai Hoy Tamil,” comprising 31 episodes, 26,115 words of the television script published on public websites, Thairath online and TrueId.net, in 2017, using Prasithrathsint (2006) for analyzing passive voice in the Thai language as the framework. The research results reveal that the use of the passive voice in Isan dialects is similar to and different from that in Thai. The Isaan language has a main verb passive structure like the Thai language, but the use of the Oblique passive does not appear in the drama script. This may be because the language used in television drama scripts is informal. The research revealed three subtypes of the passive voice: omitting the agent, omitting the patient, and omitting both the agent and the patient. This study concludes that the Isan dialect of Thai shares both similarities and differences with those in Standard Thai.