NEWSLETTER EWSLETTER July 2024 VOL.66 E N WORLD POPULATION DAY JULY 11th 2024
I-News AIRA NEWS AIRA & AIFUL (A&A) is pushing forwards its Nano Finance loan product to support new and micro businesses in accessing supportive and transparent regulated funding resources for their business expansion. In line with the Thai government policies, this effort also helps solve the current loan shark problem existing all over the country and to stimulate the Thai economy. The maximum credit line is up to 100,000 baht, approved loan being transferred to a bank account, and registration available now at all A money branches throughout Thailand. Mr. Kimihiro Omori, CEO, AIRA & AIFUL Public Company Limitedor A&A, a leader of personal loan business under the brand “A money”, Money Buddy concept, and a Nano Finance loan service provider, stated that the Nano Finance loan is continuous expansion and is becoming very popular for both SMEs and merchants borrowers because the product initiated to assist and support micro-businesses or individuals with low income who are in need for financial supports of their business are unable to access any other formal credit system funding sources of other financial institutions, mainly due to the lack of clear documented evidences to prove their sources of income. The qualified applicant group includes new business operators who may not have fixed regular incomes and individuals without salary slips nor assets that can be used as collateral for loans but could still prove to have ability to repay the debts. Thus, A&A Nano Finance can help widen access to regulated funding sources, expand businesses as well as helping to reduce the problem of informal debts that charge relatively high interest rates on lending. “AIRA & AIFUL” Accelerates Nano Finance Loan Product, to Support Micro Businesses and to Stimulate the Thai Economy Application for AIRA & AIFUL Nano Finance Regulated Individual Business Lending is available now at all A money branches throughout Thailand. For more information, please call Customer Services at 0-2004-5000 or visit www.aira-aiful.co.th.
Mr. Akrawit Sooksai, Chief Executive Officer, AIRA Factoring Public Company Limited (AF) The leading financial service provider for SMEs reveals the factoring loan demand in 2024 will grow at least 20% from the previous year. I-News AIRA NEWS In line with the overall factoring loan industry, that still be an uptrend. The company is moving forward to expand its lending portfolio under the prudent criteria and risk management to prevent NPLs. By setting the target customers emphasizing on the uptrending industry such as Renewable Energy Business (Green Project), Medical Business, F&B and Logistic. The Company also offer a new product under non factoring credit, for example, the Energy Saving Project (Green Project) which is currently in high demand. The GREEN Project loan is provided to companies that targeting to improve its production or sales process with the goal of reducing carbon emission by offering special interest rates to protect the environment and share social responsibility in line with ESG guidelines in business development towards sustainability. Recently, AF has continuously provided loans to the GREEN Project and medical business since 4th quarter of 2023 more than 100 million bath higher than the company’s target expected. Loans in other business groups also continued to increase. As a result, the company is confident that the overall factoring lending this year will be more positive. The growth trend is not less than 10% compared to 2023. AF Targets Lending Factoring GREEN Project with ESG Trends
I-News AIRA NEWS Mr.Somporn Boonkird (middle) Vice President of Marketing & Planning department, AIRA & AIFUL Public Company Limited together with employees donates money to National Cancer Institute to support the operations of the institute in promoting health and preventing the cancer including caring and rehabilitating poor cancer patients through A money buddy promotes good health for Thai people project which has the objective of supporting various health institutes. Mr.Chokchai Suklueng (the 3rd right), Deputy Director of National Cancer Institute, Ms.Anongnard Eiamsa-ard (the 2nd right), Head of General Administration Division of National Cancer Institute and Mrs.Siriphan Pisaphab (the 1st right) Consultant of National Cancer Institute attend to welcome and be representative the donation at the Somchai Sombooncharoen meeting room, Damrong Niradun building. National Cancer Institute recently. A money buddy promotes good health for Thai people
Morning session by Ms. Jean Supawich (MC) Greeting and announcing the schedule 9.30 AM. Seminar Session 1 Topic :Internation market USA vs China with Mr. Golf, Narongdej Chandrapaisan (VP) and Mr. Ji, Peerapol Suratnavanich (Assistant Manager) Asset Analysis Department (AS) lecture Session 2 : Adjust the stock portfolio in the second half of the year with 3 Speakers Mr. Jack, Saknarin Sasanon (Senior Vice President) Specializing in energy and petrochemicals. Mr. Dong, Prawit Jeawkok (AVP) Specializing in Banking and Finance and Ms. Numphueng, Hathaichanok Mulwong (Manager) Securities Analysis Department (AS) Last Session : Meet with Mr. Sompong Benjatepanun Lecture on the topic : Stock Updates in current situation Our investment advisor to advice stock trading techniques. Seminar “Opportunities to invest in Thai stocks and foreign stocks” By the research team from AIRA Securities Public Company Limited (AS) on 18 May 2024, 9.00 AM. – 1.00 PM. I-News AIRA NEWS AIRA Securities Public Company Limited (AS) Portfolio update both Thai and Foreign Stocks in current situation with the Investment plan throughout the year
I-News AIRA NEWS The signing of the MOU and the business partnership will increase the potential to strengthen the business with customers and investors of both parties.It will give confidence in products and services with NEC’s modern and secure information system and communication technology it also increases business opportunities and partnerships that will occur in the future. 24 May 2024 Mr. Akrawit Sooksai, Chief Executive Officer of AIRA Factoring Public Company Limited or AF and Mr. Ichiro Kurihara, NEC coorporation (Thailand) Limited Signing the Memorandum of Understanding (MOU) coperation in Information and Communication Technology Operating System Services. AIRA & AIFUL Public Company Limited, the provider of the “A money” cash card under the concept of “A money, your financial buddy” continues to receive the PET (Polyethylene Terephthalate) bottles for the 4th year to be recycled into polyester fibers and produce them into t-shirts and pass on to children through the “A money x Teijin, buddy invites you to pass on PET bottles to change into t-shirts for the 4th year to children” project in collaboration with Teijin Polyester Company Limited. Moreover, this year the company is ready to start PET bottle caps donation for the first year to create awareness about separating plastic types before going into the bin. All bottle caps will be delivered to Precious Plastic Bangkok to be produced as upcycled products from plastic bottle caps through “A money x PPB buddy joins in upcycling bottle caps to be valuable” project. Those interested can donate the PET caps and bottles at A money donation boxes 7 branches, including Central Rama 2, Central Westgate, Big C Suksawat, Century The Movie Plaza, Lotus Mahachai, Seacon Square and A&A Head Office at CW Tower from today onwards. For more information, please contact A money customer service center, Tel. 0-2004-5000 or Facebook: AmoneyThailand AF Cooperate with NEC To increase business potentiality “A money” continues to support plastic recycling activities. Ready to launch PET bottle caps and bottles donation boxes through 7 branches.
I-News AIRA NEWS HOW TO MAKE MONEY FROM AIRA TRADE with 25-50-75 strategy AIRA Securities Public Company Limited (AS) Organize training “HOW TO MAKE MONEY FROM AIRA TRADE” with 25-50-75 strategy for interested investors. Speakers : Mr. Nakorn Kolsrichai (Deputy Chief Executive Officer) and guest speaker Mr.Bundit Wongaumpaiprasert (Group Marketing Director 8/1) lecture on the subject • TECHNICAL ANALYSIS • AIRA TRADE Programs on stock analysis At Seminar Room, AIRA Securities Public Company Limited, 17th Floor, Chamchuri Square Building • Class 1 7 May 2024 9.30 AM - 5.00 PM • Class 2 14 May 2024 9.30 AM - 5.00 PM • Class 3 21 May 2024 9.30 AM - 5.00 PM
I-Trick Skin is like a garment of the body. Especially facial which is more important as it reflects the beauty and youth. Therefore, facial treatment is another routine that both men and women pay attention to. Many people invest in thousands of thousands of expensive skincare products to maintain the youthfulness of their faces. But actually the 100% natural essential oil is another great option for moisturizing protection. It creates radiance to the skin as well. It’s also safe from chemicals because it’s extracted from 100% natural ingredients. Importantly, it’s cheaper than many well-known brands of skincare creams, but many people are afraid and think that using oil to nourish their skin will make their skin too oily or cause acne. And not at all using the right oil for your skin type will help reduce oiliness and reduce the clogging of pores that can cause acne breakouts. Today we have oil or facial oil that is suitable for each skin type to leave each other. Oily skin Jojoba Oil with light texture is able to reduce excess oil on the face while moisturizing, create skin balance at the same time. Grape Seed Oil is great for oily skin. Because there are substances that reduce oil production of the skin. Thus, reducing the oiliness of the skin very well and just the skin to return to balance without fear of oily skin. It is lighter than jojoba oil. Dry skin Almond Oil is a highly hydrating but gentle, suitable for dry to very dry skin. It is also high in vitamin A which is a precursor to retinol which can reduce fine lines and wrinkles. Marula Oil is an oil that is quickly absorbed into the skin by gently massaging. Due to its intense moisture, it protects the skin from dehydration and maintains the skin’s moisture throughout the day. Natural extracted oil to nourish the face for each skin type. Grape Seed Oil Marula Oil Jojoba Oil Almond Oil
Acne-prone skin Pomegranate Oil has a natural antibacterial effect. Thereby reducing bacteria in the pores and preventing inflammation of acne and facial skin. It is also a light oil that does not cause clogging. Rosehip Oil very suitable for skin with inflamed acne, red rashes. Rosehip oil moisturizes the skin at a deep level but does not clog pores, helping to reduce acne, dark spots, redness from acne. There’s test of using rosehip oil for 3 weeks in a row and found that it really helped to reduce acne on his face. Normal skin Argan Oil Many people call argan oil a versatile oil. Moisturizing the skin, prevents oil from evaporating from the skin, and absorbed into the skin quickly while contains high amounts of vitamin E with antioxidants that protects the skin from being damaged by pollution Both dark spots and small wrinkles make the skin soft and gentle. Retinol Oils help smooth, bright, and reduce the appearance of fine lines and wrinkles. Moisturizing the skin but not irritating, recommended to use at night after applying moisturizer. Sensitive skin Moringa Oil is an oil rich in antioxidants, helps protect skin from side effects. It has the right amount of oil to retain moisture on the skin, as well as reduce irritation. It’s a lightweight but hydrating oil that’s just right for the skin, can be used before makeup without making the face oily. Aloe Vera Oil is rich in antioxidants and substances that reduce irritation including substances that help reduce acne-causing bacteria. Therefore, this oil is suitable for sensitive and acne-prone skin. Rosehip oil Retinol Oils Aloe Vera Oil Pomegranate seed Argan Oil Moringa Oil Credit : www.marieclaire.com
I-Trick Sooner or later in life, most of us want to borrow some money, whether it’s a mortgage, credit card account or smalll business loan. But the bank needs to know you’ll pay back what you borrow and do it on time. How can you prove that you are a good credit risk? Here are a few tips. The first criterion a bank will consider is whether you have a stable job and strong salary base. The more stable your employment, the higher your salary, the more senior your position, the more you will be rated as creditworthy. A full-time employee is likely to be seen as a better credit risk than a freelancer. If you are now an employee but plan to become a freelancer, you should get a credit card and any needed loan before you resign. The financial institution will inspect your financial records as part of the process for evaluating a loan application. It wants to make sure you have a solid track record of paying back debts on time. Having a credit card account can actually help you establish or improve your credit track record. Your past history in paying off credit card debt on time will show that you have sufficient employment, income and discipline to borrow. In other words, a credit card is not just something to facilitate purchases but can be an important tool to gain better access to other financing. A cardholder who spends in a disciplined way and who repays the amount due in full and on time will be judged as a good credit risk. It’s important to be able to prove your financial reliability, also known as creditworthiness. If you have this quality of financial credibility, your application to obtain or expand a credit line is more likely to be approved. Your credit rating how to get a good financial report card
Investing in a mutual fund via monthly direct debits from your bank account can help establish creditworthiness. In case you want to borrow in the future, financial institutions will take account of your loyalty and good discipline. In conclusion, to earn a good credit rating you need to spend wisely and allocate money to some kind of regular program of investment and savings. Stay disciplined in paying back debts. Establishing and maintaining creditworthiness will help ensure that you can always get access to money when you need it. It will help keep you on the path toward financial success. Be sure to maintain an active bank account. Your pattern of transactions will be evaluated as primary evidence of your financial condition. It’s best if you make large deposits on a steady basis, especially on the same date each month, and withdraw less than you put in Be sure to repay any and all debts on time, no matter what kind of loan it is or the amount. Your timely repayment of debts confirms your creditworthiness. Credit : www.SCB.com Your credit rating can also benefit from your savings or investment track record. Simply deposit an equal amount every month into an investment account or a special fixed deposit account. (This special type of depositaccount requires you to make equal monthly deposits over a two-year period.) The deposit amount does not matter. What is important is establishing an unbroken pattern of making the deposits every month for at least two years. This method to establish creditworthiness is less direct than successfully paying back a loan. But it creates an official track record that can help you to gain the trust of financial institutions.
When we talk about the rainy season we usually think of the mountain forest. Waterfalls, rafting for those who still can’t figure out where to travel, we recommend the places to travel in the rainy season 2024 that you can’t miss. Let’s pack your bags and follow us! Check-in Relax place to go in the Green Season Khao Kho -PhetchabunSai Thong National Park -Chaiyaphum- Rafting hotel along -KanchanaburiAn interesting attraction during the rainy season because of the cool weather all year round, even in summer. The average temperature throughout the year is only 18-25 degrees celsius and there are many attractions to relax such as Khao Kho Palace, Wat Phrathat Phasornkaew, Khao Kho Martyrs Memorial and many more. It is also one of the most beautiful places to see the sea of clouds which is not far from Bangkok. In the rainy season, we always think of bright flowers and grass in the fresh air. Therefore, we suggest you to enjoy the natural flower fields in Chaiyaphum with a Curcuma sessilis of beautiful pink and white flowers that bloom in the rainy season at Sai Thong National Park. The flowers blooms from late June to mid-August and of course, it depends on the climate. If it rains a lot during the year, we will definitely see the fully bloom flowers. If you visit Kanchanaburi during winter. you will find mist and cool weather, but if you visit during the rainy season, you will get a moist atmosphere while enjoying activities such as rafting along the River Kwai for a little adventure. relaxing and lie down on the waterfront Kanchanaburi raft. It is a relaxing trip and very close to nature as well.
Wang Nam Khiao -Nakhon RatchasimaSapan Village -NanPang Sida National Park -Sa KaeoWang Nam Khieo also known as “Switzerland of Thailand” which is very close from Bangkok to visit on weekend. Places to visit in Wang Nam Khiao are mostly the nature attractions such as Pha Kep Tawan, Man Fa Waterfall, Lam Phra Phloeng Reservoir and also beautiful photo spots for the whole family, such as Village Farm & Winery, Faprathan Rose Park, and Wang nam khiao farm. The must-visit destination in Nan province during this rainy season is the Sapan of village. Because there are beautiful views of the terraces rice fields , mountains, and stunning mist nebula that are incomparable to anywhere else and it will be even more beautiful during the rainy season till winter. Visit homestays that allow us to get closer to nature than ever. Pang Sida National Park One of the highlight activities that should not be missed at Pang Sida National Park in Sa Kaeo Province is butterfly watching. Because during the rainy season, around June to July, more than 350 species of butterflies gathering here for visitors to take beautiful photos at Pong Tiam, which is about 1 kilometer away from the park. And at Lan Hin Dad, which requires a guide to enter. Additionally, there is Pang Sida Waterfall, a beautiful three-tiered waterfall over 10 meters high to visit. Credit : www.trueid.com
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