financial sector towards the country’s shift to an environmentally sustainable future. • At the same time, this guide represents a huge opportunity for the growing numbers of individual and institutional

• Financial literacy does not lead to QoL directly • Financial literacy needs to be redefined to include “Digital literacy” • One needs to have willing attitude to learn new things to overcome risks

while expenses had grown, as a result; a huge drop in 6 months period by 137%. Profit (Loss) before tax: A sharp drop of 174% in 2Q19 comparing to 2Q18, while 6 months recorded a 91% less than the same

major projects within the first nine months of 2019. Thus, in order to cope with the time frame, substantial subcontractors costing was employed for 2019. The huge operating loss in 2019 is an

strategic marketing plan effectively and gain the huge orders with the higher selling price both in domestic and export sales.. Cost of Goods Sold The company had the cost of goods sold as 188.98 million baht

sales in Q4 2017. Costs of goods sold increased by 33% to 1,448.71MB in Q4 2017 from 1,092.37MB in Q4 2016 due to huge increase in LME zinc price which increased gross profit of Q4 2017 by 24% from Q4

giving away cash to the people and welfare payments to the unemployed. While employment remained weak, Policy clarity Direction of the business team and political climate It is a huge risk to the future

resulted mainly from the huge drop in revenue from service by 300.55 million Baht or 78.28% from the same period of the last year. Moreover, the decrease was also affected by a moderate decrease in domestic

last year. The decrease resulted mainly from the huge drop in revenue from construction service by 431.61 million Baht or 80.12% from the same period of the last year. Moreover, the decrease was also

overcome this situation such as the adjusting caravan to mobility service center for repairing of the broken screen on mobile phone, shifting its marketing effort to provide caravans in both beach and