MODEL OF PROBLEM SOLVING DEBT AND LIVING COST BY PLANTING PLANT VEGETABLES KITCHEN GARDENS IN A MANNER INTEGRATED AGRICULTURE ACCORDING BUDDHIST WAY OF BAN PA KHRAI TAI COMMUNITY, NONG LOM SUBDISTRICT, HANG-CHAT DISTRICT, LAMPANG PROVINCE

Abstract

           The objectives of this research article were 1. to study Problem solving debt and living cost of Ban Pa Khrai Tai community, 2. to study method Problem solving debt and living cost by planting plant vegetables kitchen gardens in a manner integrated agriculture according Buddhist way of Ban Pa Khrai Tai community, 3. to analyze and present the pattern Problem solving debt and living cost by planting plant vegetables kitchen gardens in a manner integrated agriculture according Buddhist way  of Ban Pa Khrai Tai community, Nong Lom Subdistrict, Hang Chat District, Lampang Province. The respondents were: people in Ban Pa Khrai Tai community with agricultural occupations number 123 people and the interviewee groups were: people in Ban Pa Khrai Tai community who completed secondary education and a bachelor's degree, and success in agriculture, cultivating crops, vegetables, and gardening number 10 people. The research tool was a questionnaire and structured interviews. The statistics used were frequency and percentage.

          The research results found that: 1. Problem debt and living cost in people's households of Ban Pa Khrai Tai community, Most farmers have debt of less than 50,000 baht, Accounted for 37.40 percent. Causes of household debt, most borrow money to invest in their career, Accounted for 47.42 percent, source that is creditor, Most of them borrow money from commercial banks, Accounted for 46.39 percent.   2. Method Problem solving debt and living cost by planting plant vegetables kitchen gardens in a manner integrated agriculture according Buddhist way, Found that, Most of the farmers have used the Buddhist way as the main in agriculture by growing vegetable plant in the kitchen garden in kind of mixed, By the investment side, Have applied the investment principles that are suitable for the existing power, focus on planting for sale and consumed in the family. 3. The pattern Problem solving debt and living cost by planting plant vegetables kitchen gardens in a manner integrated agriculture according Buddhist way of Ban Pa Khrai Tai community, Found that, Farmers should take action in 4 areas are: 1) prepare income accounts, expenses in cycle of the month. 2) Gather money to fund each month agriculture for growing vegetable plant in kitchen garden for sale, and consumed in the family, by adhering to the principle of diligence and persistent and saving money. 3) To abstain from borrowing that over  which ability in debt settlement for use make in  agriculture, By adhering to the seclusion as there is, according to power, and as appropriate status of oneself. 4) Allocate money to cover all aspects of life, Both in part of household spending, Part that must keep for settle the debt, The part that must conserve for spend when necessary in the future, and the part that will use be invested  for continue to develop agricultural work.