The Liabilities Management of Household Sector Under the Circular Economy Principles of Community Enterprises in Nong Kradon Subdistrict, Muang District, Nakhon Sawan

Abstract

This Article aimed to study (1) to study the situation of household debt problems of community enterprises 2) to create a learning process for participatory household debt management under the circular economy principles of community enterprises and 3) to study ways to solve household debt problems under the circular economy principle of community enterprises. Use a participatory action research process. Based on the concept of personal debt management, the main concept of circular economy and life cycle permanent income consumption as the research framework. The research area is the Nong Kradon Subdistrict Community Enterprise Group, Mueang District, Nakhon Sawan Province. The main informants were 24 people involved in supporting and promoting the group through purposive random selection. The tools used were unstructured in-depth interviews. Non-participant observation and focus group, analyzing data using content analysis methods. and used descriptive statistics, including percentage, mean, and standard deviation. The research results were found as follows;

1. 1. The state of the household debt problem of the enterprise group is at a high level (X̅ = 3.43, S.D. =0.439) and the debt management of the enterprise group members At a high level (X̅ = 3.75, S.D. =0.672)


2. 2) Learning process in debt management Emphasis is placed on creating circular economy knowledge and financial discipline for members. By solving the problem of accumulated debt, it is a cycle that will lead to a cycle of debt traps and continuously affect other activities. Use a debt deferral policy debt restructuring


3. The farmer group expects to need help and support from the government due to their family's economic problems. Especially the problem of debt. This is not the main problem caused by the agricultural process. But it is a problem that prevents the implementation of the project towards a sustainable solution.

Knowledge includes the process of creating participatory knowledge and understanding leading to a paradigm shift among community enterprise group members regarding the production cycle, able to change the production system from chemical agriculture. It is safe farming that provides quality of life or good health. Through the mechanism of moving from members of small enterprise groups to being role models for members of larger enterprise groups.

Keywords:  Management; Liabilities household sector; Circular economy; Community enterprises