The purpose of this research was to study the current conditions, problems as well as improvement and preparation in organizing community financial institution of a village and urban community fund in Ban-pho District, Chachoengsao. This survey research was carried out through the simple random sampling which was drawn from the populations who were chairmen of 73 villages and urban community funds in Ban-pho District. The 50 samples were considered based on Krejcie and Morgans table. The instruments used in this research were questionnaires that were designed according to the methodology of constructing research tools. Data was then analyzed through statistical package by using descriptive statistics such as frequency, percentage, mean and standard deviation.  t-test of hypotheses was conducted by the t-test and the analysis of variance (ANOVA).
	From the study, it was discovered that, in terms of education, the majority of the population were poorly-educated people. Most subjects of the population were elderly people and those who had lived in the villages for more than two years. Agriculture was the major occupation of most subjects. Moreover, the study revealed collaboration among the members of village community fund and the operating direction had been clearly determined. The most serious problems in operating the fund were the members delay in remittance money and complicated accounting system. The overall results of perceptions towards the improvement and preparation in organizing community financial institution were quite high. In addition, the study showed 