Guidelines for Contributors

The SAJE is a refereed journal with articles selected through the familiar blind peer review process to ensure the quality of the published materials. All papers being published in the Journal will be reviewed and accepted by our editorial board. In addition to the peer review, the paper will also be refereed by one or more external reviewers. Manuscripts should be unpublished original work not submitted for consideration elsewhere.

Submissions should be sent to the SAJE editor as an email attachment (Microsoft Word file) at saje@chula.ac.th. Contributors must provide their affiliation, complete postal and e-mail addresses, and fax and telephone numbers with their submissions. The manuscript text ordinarily should not exceed 6,000 words.

It is the contributor’s responsibility to disclose any potential conflicts of interest regarding the manuscript and to pursue all required permissions, if applicable. More detailed guideline can be found on the journal website.

Presentation of the Paper1. The first page includes the title, author name(s) and affiliation(s), abstract of no more than

150 words, a list of two to six keywords, and JEL classification code(s) (2 digits).2. The format of the manuscript should conform to the stylistic conventions adopted in recent

articles published in the SAJE.3. Mathematical notation should be simplified as much as possible. Avoid unusual symbols

where common ones will serve.4. Statistical tables and diagrams should be clear and neatly prepared in a form suitable for

immediate reproduction.5. Bibliographical references should be accurate and listed alphabetically using APA

referencing style.6. Citations of references should be included in the main text.7. Footnotes should be kept to a minimum and numbered consecutively. 8. Articles should contain a final section in which authors summarize and conclude in a way

which will be intelligible to non-specialist readers.9. Submissions that do not conform to these requirements may cause unnecessary delay in

processing.

General Format

1. Paper accepted for publication should be in Word document with the following style,

Margin: Normal, Top 1" (2.54 cm), Bottom 1" (2.54 cm),

Left 1" (2.54 cm), Right 1"(2.54 cm),

Gutter 0" (0 cm), Gutter position Left

Paragraph spacing (unless indicated otherwise): 6 points before and 6 points after.

Line spacing (unless indicated otherwise): 1.5 lines

Font: Times New Roman (TNR), font 12 (unless indicated otherwise).

2. There should be a blank line inserted before Title of Paper, Author(s)’ name(s), Affiliation(s), and Abstract title.

3. Paragraph spacing for Abstract title, Keywords, JEL Classification, Section titles, Subsection titles, and Subsubsection titles: 12 points before and 6 points after.

4. Indentation of 1.27 cm./0.5 inch on the first line of each paragraph.

5. Other formatting details are illustrated by the following template.

Title of Paper (TNR, font 15, bold)

First name Last namea and First name M. Last nameb*(TNR, font 13, bold)

aFaculty/Department, Institution, Country. bFaculty/Department, Institution, Country.

*Corresponding author

(TNR, font 11, Italic, Line spacing: single)

Abstract (TNR, font 14, bold, 12 points before and 6 points after)

There should be a blank line before the title and between authors’ names and abstract.

Abstract of no more than 150 words. Abstract body should be TNR, font 12, paragraph

spacing: before 6 points, after 6 points.

Keywords (TNR, font 12, bold): keyword, keyword, keyword (a list of 2-6 keywords),

(TNR, font 12, paragraph spacing: 12 points before and 6 points after).

JEL Classification (TNR, font 12, bold):JEL codes (TNR, font 12, paragraph spacing: 12

points before and 6 points after).

1. Introduction (TNR, font 14, bold, 12 points before and 6 points after)

This section illustrates the presentation for sections, subsections and subsubsections.

There should be a blank line inserted between sections. Section text should be TNR, font 12,

paragraph spacing: 6 points before and 6 points after. New paragraphs should be inserted with

one tab (default tab size 1.27 cm./ 0.5 inch)

1.1 Subsection Title (TNR, font 12, bold, 12 points before and 6 points after)

Subsection text should be TNR, font 12, paragraph spacing: 6 points before and 6

points after.

1.1.1 Subsubsection Title (TNR, font 12, italic, 12 points before and 6 points after)

Subsubsection text should be TNR, font 12, paragraph spacing: 6 points before and 6

points after.

2. Section Title

This section illustrates the presentation of in-text citations, footnotes, equations, tables

and figures.

2.1 In-text Citations

In-text citations should follow APA style. The author’s/authors’ name and year are

given. All work cited must be included in the reference.

2.1.1 Single Author

When the work is cited in the running text, place the year of publication in

parentheses. When the work is not cited in the running text, place both the author’s name and

the year of publication in parentheses. Examples:

Rao (2010) suggests that subsidies targeted only to kerosene-dependent urban areas

would have a higher efficacy than broad-based subsidies.

Since 2011, financial reforms have been taking place in the country, and the financial

landscape is changing (Inada, 2015).

2.1.2 Two Authors

When citing a work by two authors, always include both authors in all citations. Use

“and” between the authors' names within the running text and use “&” in the parentheses.

Example:

Mullainathan and Shafi (2009) also finds that for those in poverty, small emotional

factors could hamper prudent financial decisions such as product uptake.

Attitudes are found to be one factor affecting the extent to which individuals save

with individual development accounts in the United States (Han & Sherraden, 2009).

2.1.3 Three to Five Authors

When citing a work by three to five authors, list all the authors’ names for the first

citation. For subsequent citations, give the first author’s name followed by et al. Use “and”

between the authors' names within the running text and use “&” in the parentheses. Example:

As Anzoategui, Demirgüç-Kunt, and Martínez Pería (2014) points out, formal

financial inclusion could lower costs for sending and receiving remittances.

Anzoategui et al. (2014) also suggests that financial institutions could finance

migration through credit markets.

Other factors such as marital status, gender, and living in urban locations have more

mixed findings, and have been found to be significant determinants of formal financial access

in some of the studies. (See, e.g., Allen, Demirguc-Kunt, Klapper, & Peria., 2012;…..).

Nonetheless, evidence using individual-level information across multiple across

countries suggests that the effect of individual-specific factors on being formally banked

varies from country to country (Allen et al. 2012).

2.1.4 Six or More Authors

Provide the first author’s name followed by et al. in all citations. Example:

This done by estimating a recursive bivariate probit model similar to the model used

by Ichida et al. (2013) to address the reverse causality problem in their data.

The government has taken an active role in pushing forward the financial inclusion

agenda, and a number of initiatives have been put in place to create an enabling environment

for financial inclusion (Chamberlain, et al., 2014).

2.2 Footnotes

Footnotes should be kept to a minimum and numbered consecutively. Citations of

references should be included in the main text by the method demonstrated in 2.1. Footnote

text should by TNR, font 10, single line spacing, example*

2.3 Equations

Equations should be displayed in the middle using TNR, font 12, italic, with

numbering on the right edge.

Abc=∑b

t

αβγ (1)

Mathematical notation should be simplified as much as possible. Avoid unusual

symbols where common ones will serve.

2.4 Tables

Tables should be displayed in the middle. Table numbers should run consecutively.

Details of font type and spacing of table titles, table text and data, notes, and sources are

shown below. Notes and sources are positioned below the table. Tables should be clear and

neatly prepared in a form suitable for immediate reproduction.

Table 1. Table title (TNR, font 12,single line spacing,

* Footnote text: TNR 10, single line spacing.

paragraph spacing: 12 points before and 6 points after)

Table text Table text

Table text (TNR, font 10,

single line spacing,

paragraph spacing: 4 points

before and after)

Table data (TNR, font 10,

single line spacing,

paragraph spacing: 4 points

before and after)

Table data

Table Text Table data Table data

Notes: Note body, (TNR 10, line spacing: single, paragraph spacing: 0 points before and 6 points after)

Source: Source body (TNR 10, line spacing: single, paragraph spacing: 0 points before and 6 points after)

2.5 Figures

Figures should be displayed in the middle. Figure numbers should run consecutively.

Details of font type and spacing of figure titles, notes, and sources are shown below. Notes

and sources are positioned below the table. Figures should be clear and neatly prepared in a

form suitable for immediate reproduction

Figure 1. Figure title (TNR, font 12,single line spacing,

paragraph spacing: 12 points before and 6 points after)

1 2 3 4 5 6 7 8 9 100

5

10

15

20

25

Label ALabel BLabel C

Notes: Note body, (TNR 10, line spacing: single, paragraph spacing: 0 points before and 6 points after)

Source: Source body (TNR 10, line spacing: single, paragraph spacing: 0 points before and 6 points after)

3. Conclusion

Articles should contain a final section in which authors summarize and conclude in a

way which will be intelligible to non-specialist readers.

Acknowledgements

Collate acknowledgements in a separate section at the end of the article before the

references. List here those individuals who provided help during the research (e.g., providing

language help, writing assistance or proof reading the article, etc.).

References

Bibliographical references should be in APA style and listed alphabetically using TNR, font

12, Paragraph spacing: before 6 points, after 6 points, with a hanging indentation of 1.27

cm./0.5 inch on second line onwards. General guidelines are as follows:

- Give surnames and initials of up to seven authors.

- Surnames are given in full. All first and middle names should be given as initials.

- Web address can be provided as URL or doi number. Do not add period after the end

of URL or doi.

Journal article

Author, F. M., & Author, F. M. (Year). Title of paper. Title of Journal, volume number(issue

number), start page-end page.

Behrman, J., & Wolfe, B. (1984). The socioeconomic impact of schooling in a developing

country. Review of Economics and Statistics, 66(2), 296-303.

Doll, C. N. H., Muller, J.-P., & Morley, J. G. (2006). Mapping regional economic activity

from night-time light satellite imagery. Ecological Economics,57(1), 75-92.

Online journal article

Author, F. M., Author, F. M., & Author, F. M. (Year). Title of paper. Title of Journal, volume

number(issue number), start page-end page. Retrieved from URL or doi number

Anzoategui, D., Demirgüç-Kunt, A., & Martínez Pería, M. S. (2014). Remittances and

financial inclusion: Evidence from El Salvador. World Development, 54, 338-349.

http://dx.doi.org/10.1016/j.worlddev.2013.10.006

Book

Author, F. M., Author, F. M., & Author, F. M. (Year). Title of book. Place: Publisher.

Mas-Colell, A., Whinston, M. D., & Green, J. R. (1995). Microeconomic theory. New York,

NY: Oxford university press.

Author, F. M., Author, F. M., & Author, F. M. (Year). Title of book (edition number ed.).

Place: Publisher.

Romer, D. (2006). Advanced macroeconomics (3rd ed.). New York, NY: McGraw-Hill.

Digital book

Author, F. (Year). Title of book. Retrieved from URL or doi number

Aquilar, F., & Galluccio, M. (2008). Psychological processes in international negotiations:

Theoretical and practical perspectives. doi:10.1007/978-0-387-71380-9

Chapter in book

Author, F., & Author, F. M. (Year). Title of chapter. In F. M. Author (Ed. or Eds. if there are

several authors), Title of book (edition number ed., pp. start page-end page). Place:

Publisher.

Levine, R. (2005). Finance and growth: Theory and evidence. In P. Aghion & S. Durlauf

(Eds.), Handbook of economic growth. Amsterdam, Netherlands: North Holland

Elsevier Publishers.

Newspaper article

Author, F., & Author, F. M. (Year, Month Day). Title of article. Title of newspaper, pp. start

page-end page.

Schwartz, J. (1993, September 30). Obesity affects economic, social status. The Washington

Post, pp. A1, A4.

Newspaper article: Electronic version

Author, F., & Author, F. M. (Year, Month Day). Title of article. Title of newspaper. Retrieved

from URL or doi number

Brody, J. E. (2007, December 11). Mental reserves keep brain agile. The New York Times.

Not for 1st edition. Example from http://itswww.uvt.nl/lis/es/apa/apa-guide.pdf If an article appears on discontinuous pages, give all page numbers, and separate the numbers with a comma (e.g., pp. B1, B3, B5–B7). Example from http://blog.apastyle.org

Retrieved from http://www.nytimes.com

Article in conference proceeding

Author, F., & Author, F. M. (Year). Title of chapter. In F. M. Author (Ed. or Eds.), Title of

Book (pp. start page-end page). Place: Publisher.

Parsons, O. A., Pryzwansky, W. B., Weinstein, D. J., & Wiens, A. N. (1995). Taxonomy for

psychology. In J. N. Reich, H. Sands, & A. N. Wiens (Eds.), Education and training

beyond the doctoral degree: Proceeding of the American Psychological Association

National Conference on Postdoctoral Education and Training in Psychology (pp. 45-

50). Washington, DC: American Psychological Association.

Article in conference proceeding: Electronic version

Author, F., & Author, F. M. (Year). Title of chapter. In F. M. Author (Ed. or Eds.), Title of

Book (pp. start page-end page). Retrieved from URL or doi number

van der Linden, C. (2007). Gilles de la Tourette’s syndrome: A movement disorder. In B. van

Hilten, & B. Nuttin (Eds.), Proceedings of the Medtronic Forum for Neuroscience and

Neuro-Technology 2005 (pp. 70-74). doi:10.1007/978-3-540-32746-2_18

Report/Working paper/Discussion paper

Author, F. M., Author, F. M., & Author, F. M. (Year). Title of working paper (Series Title and

number). Place: Publisher.

Allen, F., Demirguc-Kunt, A., Klapper, L., & Peria., M. S. M. (2012). The Foundations of

financial inclusion: Understanding ownership and use of formal accounts (Policy

Research Working Paper No. WPS 6290). Washington, DC: World Bank Group.

Report/Working paper/Discussion paper: Electronic version

Author, F. M., Author, F. M., & Author, F. M. (Year). Title of working paper (Series Title and

number). Retrieved from URL or doi number

Example from http://blog.apastyle.org Example from http://blog.apastyle.org Example from http://itswww.uvt.nl/lis/es/apa/apa-guide.pdf

Dooley, M. P., Folkerts-Landau, D., & Garber, P. (2003). An essay on the revived Bretton

Woods System (NBER Working Paper No. 9971). Retrieved from

http://www.nber.org/papers/w9971

Doctoral dissertation/Master’s thesis

Author, F. M., Author, F. M., & Author, F. M. (Year). Title of dissertation/thesis (Unpublished

doctoral dissertation/Unpublished master‘s thesis). Name of Institution, Location.

Considine, M. (1986). Australian insurance politics in the 1970s: Two case studies.

(Unpublished doctoral dissertation). University of Melbourne, Melbourne, Australia.

Doctoral dissertation/Master’s thesis from a commercial database

Author, F. M., Author, F. M., & Author, F. M. (Year). Title of dissertation/thesis (Doctoral

dissertation/Master‘s thesis). Available from Name of Database, (Accession or Order

Number)

Cooley, T. (2009). Design, development, and implementation of a Wireless Local Area

Network (WLAN): The Hartford Job Corps Academy case study (Doctoral

dissertation). Available from ProQuest Dissertations and Theses database. (UMI No.

3344745)

Doctoral dissertation/Master’s thesis: online publication

Author, F. M., Author, F. M., & Author, F. M. (Year). Title of dissertation/thesis (Doctoral

dissertation/Master‘s thesis, Awarding Institution). Retrieved from URL or doi

number

Patterson, G. W. (2003). A comparison of multi-year instructional programs (looping) and

regular education program utilizing scale scores in reading (Master’s thesis,

University of Florida). Retrieved from http://www.uf.edu~asb/theses/2003/

Paper presented in conference

Example from www.citefast.com Example from www.citefast.com Example from http://itswww.uvt.nl/lis/es/apa/apa-guide.pdf

Author, F., & Author, F. M. (Year, Month of Conference). Title of paper. Paper presented at

Conference Name, Place.

Nhuyen, C. A. (2012, August). Humor and deception in advertising: When laughter may not

be the best medicine. Paper presented at the meeting of the American Psychological

Association, Orlando, FL.

Government/Institution publication

Corporate author. (Year). Title of report. Place: Author.

World Bank. (2015). World Development Report: Mind, Society, and Behavior. Washington,

DC: Author.

Government/Institution publication: Electronic version

Corporate author. (Year). Title of report. Retrieved from URL or doi number

Department for International Development. (2002). Energy for the poor, underpinning the

millennium development goals. Retrieved from

https://www.ecn.nl/fileadmin/ecn/units/bs/JEPP/energyforthepoor.pdf

Web page

Author, F. M. (Year, Month Date of Publication). Article title. Retrieved from URL

Simmons, B. (2015, January 9). The tale of two Flaccos. Retrieved from

http://grantland.com/the-triangle/the-tale-of-two-flaccos

Freakonomics. (2010, October 29). E-ZPass is a life-saver (literally) [Blog post]. Retrieved

from http://freakonomics.blogs.nytimes.com/2010/10/29/e-zpass-is-a-life-saver-

literally

Data set (Data set are not normally listed in the reference)

Author, F. M./Corporate author. (Year). Title [Data file]. Retrieved from URL or doi number

Data Science for Developing Countries. (2016). Elasticity of income for electricity in

Example from http://blog.apastyle.org

Thailand 2013 [Data file]. Retrieved from http://www.bigdata.econ.chula.ac.th/viz/

thailand/map_electricity_elasticity_2013.html

Appendices

Appendix I

Details of appendix I (TNR, font 12)

Appendix II

Details of appendix II