Teaching Financial Sense in Real Terms

We started because too many people felt lost reading their own financial statements.

Back in 2019, I was sitting across from a friend who ran a small cafe in Lampang. She had spreadsheets everywhere but couldn't tell if she was actually making money. That conversation stuck with me. Financial analysis shouldn't require an accounting degree — it should make sense to anyone trying to understand their numbers. So we built something different.

How We Got Here

2019

First Workshops

Started with weekend sessions for small business owners. Ten people in a borrowed office space, working through actual financial statements they brought from their own businesses. No theory — just practical breakdowns.

2021

Online Shift

Moved everything online during the lockdowns. Realized people learned better at their own pace anyway. We recorded sessions, added exercises, and let students work through material when it fit their schedule.

2023

Curriculum Rebuild

Completely redesigned our approach based on what actually worked. Cut out the fluff. Added more real-world examples. Made everything accessible to people without finance backgrounds.

2025

Current Focus

Working with students across Thailand and beyond. Same practical approach, better tools, more support. Next cohort starts September 2025.

Financial analysis workspace showing practical learning materials and real business documents

What Makes Our Approach Work

We don't teach finance the academic way. Every concept gets explained through actual business scenarios — the kind you deal with when managing money in real life.

  • Real numbers: Students work with actual financial statements, not made-up examples that never happen in reality.
  • Your pace: Some people need two weeks on cash flow analysis. Others get it in three days. Both approaches work fine.
  • Plain language: If we can't explain something without jargon, we probably don't understand it well enough ourselves.
  • Practical focus: You'll learn what you can actually use, not what looks impressive on a certificate.

What We Cover

Our programs focus on three core areas that matter most when you're trying to understand financial health — whether for a business, investment, or personal planning.

Student analyzing financial statements and cash flow documents

Statement Analysis

Learn to read balance sheets, income statements, and cash flow reports. We break down what each number means and how they connect to actual business performance.

Financial ratio calculations and performance metrics being reviewed

Ratio Interpretation

Understand profitability, liquidity, and efficiency ratios. More importantly, learn what they tell you about financial health and where to look when something seems off.

Practical financial forecasting and projection exercises

Forecasting Basics

Build simple projections based on historical data. Nothing fancy — just realistic estimates that help with planning and decision-making.

Who Teaches This

Siriwan Chaiyaporn, Lead Financial Education Specialist at luminouspwr

Siriwan Chaiyaporn

Lead Financial Education Specialist

I spent eight years doing financial analysis for manufacturing companies before realizing I preferred teaching it. Started these programs in 2019 after watching too many capable people struggle with concepts that shouldn't be complicated. Based in Lampang, working with students throughout Thailand and internationally.

Background in applied economics from Chiang Mai University. Worked in financial planning roles across retail, manufacturing, and service businesses. Built these courses based on what actually confused people — and what helped them finally understand their numbers.

Start Learning This Fall

Our next comprehensive program begins September 2025. If you want to understand financial statements without drowning in theory, this might work for you.

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