Literacy and QoL Financial Literacy Quality of Life Fintech Adoption Risks and Uncertainty to Adopt New Technology Security Risk Operational Risk Financial Risk Leisure-Freedom-Internal Locus of Control

impact and uncertainty of land and building tax and stricter lending policies by financial institutions as loan-to- value (LTV) measures and an economic downturn which led to the slowdown of purchases of

amounting to THB 91 million, which are consist of accrued payable for labor regulation amendment of the employee’s latest wage rate for an employee who has worked for 20 consecutive years or more, the

political uncertainty, leaving the timing and format of Brexit in limbo. Despite these fragilities, the overall global economy was still resilient due to ongoing economic growth in many European countries

decreased by THB 167 million or 5.7 percent from last year. In addition, company had acknowledged of the past service cost for employee benefit in accordance with the Labor Protection Act ( No. 7) B. E. 2562

the risks of material misstatement in the financial statements. An auditor’s risk assessment had identified labor costs account as having high risks of material misstatement for the objective of

lower production labor cost. Gross Profit Margin Gross profit margin is equal to 35.71% in the 1st quarter of 2018, which rose from 27.25% that was booked in the same quarter of 2017. The main cause

amount in FY2018. 2. The cost of sales and services increased by 76.98 million baht or 1.61% YoY, mainly due to the conversion cost increased by 6 9 .1 6 million baht from the new Labor Protection Act; the

oil and labor costs In the first quarter of 2019 The Company is able to deliver work that has been postponed from the previous year to more customers and recognizes revenue according to the success of

is in line with the sales. However, the conversion cost increased by 52.15 million baht mainly due to the new Labor Protection Act; which the compensation rate for employees who have more than 20 years