{"title":"Financial Planning for Royal Thai Naval Cadets to Prepare for Financial Stability","authors":"Thawatchai Thianboonsong, Thawanporn Marin","doi":"10.57260/rcmrj.2023.265042","DOIUrl":"https://doi.org/10.57260/rcmrj.2023.265042","url":null,"abstract":"In today's world, financial planning is very important due to the volatile economic conditions, higher cost of living and the increase of Bank of Thailand's monetary policy rate. The uncertainty and volatility mentioned above make financial planning even more important, therefore, knowledge in financial planning is extremely important because it helps individuals understand their own financial behavior and attitude towards saving money to achieve their financial goals. In summary, this research used a questionnaire to examine personal factors and factors related to personal financial planning among Royal Thai naval cadets. It also proposed guidelines for teaching financial planning to cadets at the Royal Thai Naval Academy. The findings emphasized the importance of financial knowledge in understanding financial planning and discipline, particularly to prevent overspending among new naval officers. Key findings include the majority of cadets receiving monthly income from parents in the range of 2,001 – 6,000 baht, active income and expense tracking by most cadets, and good or average levels of financial planning knowledge among them. The study revealed significant correlations between academic year level and factors such as financial support from parents, accounting for income and expenses, and financial knowledge scores. Senior naval students showed higher levels of financial knowledge and better financial management skills compared to junior students.","PeriodicalId":475760,"journal":{"name":"Rajabhat Chiang Mai Research Journal","volume":"73 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136071192","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Role of Hundi in Border Trade Payment of Northern Thailand- Myanmar Before and After 2021 Military Coup","authors":"Nisit Panthamit, Somsak Wongpanyaptaworn, Pimonpun Boonyasana, Paisan Panthamitr","doi":"10.57260/rcmrj.2023.265145","DOIUrl":"https://doi.org/10.57260/rcmrj.2023.265145","url":null,"abstract":"Myanmar considers border trade more important than international trade. Due to the economic sanctions imposed by the West since the military government took power in 1996 up until the latest one in 2021, Thailand -Myanmar border trade has been characterized by more informal trade than previously. Border trade has developed despite being subjected to long-standing international trade barriers. This study aims to convey an understanding of how the informal border payment, “Hundi”, works as the border-trade -payment between Myanmar and Northern Thailand. Even though hundi is an informal transfer system it is widely used as an alternative banking system. Especially, hundi is used in the financing of legitimate businesses, to prevent exacerbating the problems of access to credit of different states. This study draws on available literature and open-source reporting, as well as extensive field research by interviewing trusted sources for more than 30 informants (i.e., border-trader, money changer, money transfer operators, business leaders, hundi operators, immigrant labors, government officials, commercial banking staffs) in the northern part of Thailand with the border city in Shan state, Myanmar during 2017-2022. This study found that hundi plays a significant role as both a substitute and complement to cross-border trade and payment across the border of Myanmar-Thailand. After the recent political instability, and expansion from a formal banking sector to a mobile money services, in the short term, we are unlikely to see an elimination of the hundi system completely.","PeriodicalId":475760,"journal":{"name":"Rajabhat Chiang Mai Research Journal","volume":"366 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136071210","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Christian Jay R. Pasana, Henry E. Lemana II, Virgion H. Mamonong
{"title":"Netizens at Odds with the Education Department: Analysis of Impoliteness Strategies on an Online Platform","authors":"Christian Jay R. Pasana, Henry E. Lemana II, Virgion H. Mamonong","doi":"10.57260/rcmrj.2023.264796","DOIUrl":"https://doi.org/10.57260/rcmrj.2023.264796","url":null,"abstract":"The COVID-19 pandemic has prompted the Philippines, along with other nations, to restructure its educational framework to meet the evolving needs and challenges of the time. Consequently, this reorganization has led to changes in the learning delivery modalities (LDMs). The Philippine Department of Education (DepEd) has faced significant criticism on social media regarding issues related to preparation, flawed materials, and implementation. By employing a pragmatic analysis approach based on Culpeper's theory of impoliteness strategies, this study examines fifty Facebook comments criticizing the said department and its new LDMs. The findings reveal that critics employed various impoliteness strategies, including bald-on-record impoliteness, positive impoliteness, negative impoliteness, off-record impoliteness, withhold politeness, and impoliteness meta-strategy. The study's outcomes suggest that analyzing impoliteness strategies in online comments can provide insights into how such remarks serve as social actions. Researchers working with these textual forms, as well as those specializing in the study of genres and languages, can benefit from the findings of this study. The implications of the findings are discussed for policymakers, educators, and students within the Philippine education system.","PeriodicalId":475760,"journal":{"name":"Rajabhat Chiang Mai Research Journal","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135215497","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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