I. Village Identification

II. Institutional Identification (Questions including name of institution, address of institution, at what level institution operates, names of members?villages, # of members from each village, whether institution is currently active, why institution stopped operating, whether institution keeps financial records together with any other institutions, name of that institution, and institution?s main activity)

III. Background of Respondents (Questions including whether person was same respondent as last year, respondent?s information [house #, phone #, whose phone it is, gender, age, years of residence in village, highest grade completed, education system, other professional training, current occupation, type of worker, current & past village/tambon positions], respondent?s current position in institution, # of years as member, # of years in current office, responsibilities in institution, whether respondent is paid an allowance by institution, how much, and how often)

IV. Identification of Activities

A. Savings (Questions including whether institution offered saving facilities to its members during last year, whether institution currently does this, why savings service was interrupted, why saving service was resumed, and whether institution keeps records of savings)

B. Lending (Questions including whether institution offered lending services to its members during last year, whether institution currently does this, why lending service was interrupted, why lending service was resumed, and whether institution keeps records of lending)

C. Investment (Questions including whether institution invested in income generating activities during last year, whether institution currently does this, why investment was interrupted, why investment was resumed, and whether institution keeps records of investment)

D. Non-financial Services (Questions including what services were offered during last year and how much was charged for service [occupation: plowing, harrowing, transplanting, harvesting, wedding, vaccination, joint purchase of inputs, joint sale of products, joint application of inputs, working animals, walking animals, machine & equipment, loading & unloading, labor, or other; training & consultation: training in agricultural activities, training in non-agricultural activities, advice/consultation for agricultural activities, or advice/consultation for non-agricultural activities; livelihood: insurance, death benefits, emergency assistance, medical care, or other; coordination: access to common land, labor sharing, pest control, water access, or other])

V. Foundation (Questions including whether officers of institution had training during last year, who organized it, where it took place, how long it lasted, how many people attended, topics covered, whether general members had training during last year, who organized it, where it took place, how long it lasted, how many people attended, topics covered, whether there have been changes made the operations of institution, types of changes, how it changed, and why it changed)

VI. Members/Clients of the Institution (Questions including typical member a year ago, typical members currently, why characteristics of the two groups are different, whether institution has a written policy on recruitment of new members, these policies, whether institution has an application form, whether institution interviews applicants for membership, why institution does not interview applicants, characteristics that are evaluated to determine eligibility, two most important characteristics used in evaluating application, who is responsible for checking out applicant?s qualifications, whether there is an application fee, the fee, whether there is a membership fee, the fee, total number of members a year ago, total number of members currently, why there is a change, why has # of members not grown, whether there has been a dramatic turnover in members over last year, how large is it, and why did it occur)

VII. Internal Savings (Questions including current form(s) of deposits accepted, form(s) accepted a year ago, why change occurred, current savings options available, options available a year ago, why change occurred, types of savings institution currently offers, whether type of savings is optional or required, what happens if a member fails to save as required, how often do members have to save, minimum amount required to open account in 1997, maximum deposit to account in 1997, average amount of deposit per member for account in 1997, procedure for member to change pledged amount, explanation of withdrawal policy, any changes made to withdrawal policy over last year, how it changed, why it changed, annual interest rate paid to account in 1997, how interest rate is calculated, any changes made to interest rate calculation made in last year, how it changed, why it changed, whether there is a minimum amount initially required to open account, minimum amount of initial deposit required to open account, whether minimum amount of initial deposit has changed over the year, why it changed, priority for withdrawals, whether non-members can save at institution, whether institution evaluates savings potential of non-member before allowing person to save with institution, who is responsible for evaluation, how is savings potential evaluated, # of members a year ago, # of members currently, why it changed, why has # of savers not grown, anything special about people who recently started to save with institution, amount of savings a year ago, amount of savings currently, why change occurred, why has # of savers not grown, interest rate a year ago, present interest rate, and why change occurred)

VIII. Internal Lending (Questions including current form(s) of loans made by institution, form(s) made a year ago, why changed happened, whether institution has a loan application, whether institution interviews applicant before giving person loan, questions asked in interview, why institution does not interview applicants, criteria used to determine whether an applicant is eligible to receive a loan, criteria used a year ago, how institutions verifies applicant, and why change happened)

A. Size of Loan (Questions included criteria used to determine size of loan for each applicant, any change to this in past year, how it changed, and why it changed)

B. Collateral (Questions included whether institution requires collateral for a loan, ratio between value of collateral and size of loan, any changes to policies on collateral during last year, how it changed, and why it changed)

C. Guarantor (Questions including whether institution requires a guarantor for a loan, how many, whether guarantors have to be members of institution, changes to policies on guarantors during last year, how it changed, and why it changed)

D. Repayment Schedule (Questions including typical repayment schedule for loans, changes in policies on repayment schedule during last year, how it changed, why it changed, priority for loans, whether borrower receives any training before loan is disbursed, type of training, whether institution monitors loans after they are disbursed, how often are loans monitored, who is responsible for monitoring loans, how loans are monitored, whether a non-member can borrow from institution, forms & types of loans non-members can get, who is responsible for evaluating non-member?s ability to repay debt, how institution evaluates this ability, changes in target borrowers during last year, how it changed, why it changed, # of loans a year ago, current # of loans, why change happened, why # of loans has not grown, annual loans 1997, annual loans 1998, why change happened, why value of loans has not grown, interest rate a year ago, current interest rate, and why change happened)

IX. Extended Repayment of Loans and Default (Questions including what institution does when borrower cannot repay principal and/or interest on a due date, under what circumstances does institution extend due date, whether there has been any extension of due date or any other default, for these reasons [Family Problems: death of spouse, death of other family member, divorce, change in family structure, elderly to take care of, other; Illness: cost of medicine, cost of hospital/clinic, cost of treatment, other; Housing: house burned down, house was robbed, other; Natural Disaster: flood, drought, hailstorm, strong wind, other; Employment: fired from job, unable to find new job, other; Other] extend only principal or extension of principal & interest or other defaults, details of most recent case where only due date of principal was rescheduled, why borrower was unable to repay principal on schedule, amount of original loan, amount still outstanding when repayments were extended, how many months the loan was in default before new due date started being negotiated, whether there was a penalty applied to borrower, what it was, details of most recent case where due date of principal & interest were rescheduled, why borrower was unable to repay principal & interest on schedule, amount of original loan, amount still outstanding when repayments were extended, how many months loan was in default before new due date started being negotiated, whether there was a penalty applied to borrower, what it was, typical process a borrower follows to negotiate rescheduling of debt payment, whether institution investigates borrower when negotiating rescheduling of debt payment, who is responsible for investigation, what is investigated, whether there is any penalty charged when due date of repayment is extended, how amount of penalty is decided, whether a borrower with a rescheduled outstanding debt get an additional loan from this institution, under what circumstances would an additional loan be granted, details of most recent case where a borrower with a rescheduled outstanding debt received an additional loan, why loan was granted, who approved it, amount of rescheduled outstanding loan, amount of additional loan, details of most recent case where? loan was collected from guarantor or by liquidating the collateral, why borrower was unable to repay loan, amount of original loan, amount still outstanding when institution enforced collection of the loan, how many months loan was in default before the institution enforced the collection of loan, whether there was a penalty applied to borrower, what it was, what institution did to collected outstanding debt, how institution reached the decision that it should enforce collection of loan instead of extending due date, whether institution investigates borrower when it decides to enforce collection of loan, who is responsible for?investigation, what is investigated, whether there is a penalty charged when collection of loan is enforced, how amount of penalty is decided, can a borrower whose loan was forcefully collected by institution get a new loan from institution, under what circumstances, details of most recent case where a borrower whose loan was forcefully collected by institution received a new loan from institution, why was new loan granted, who approved new loan, amount of loan that institution enforced to collect, and amount of new loan)

X. Internal Structure of the Institution (Questions including for all committees collect committee name, responsibilities of committee, how many people serve on committee, whether committee holds meetings, how many times committee held a meeting during last 12 months, purpose of meeting, why committee does not have meetings, how committee does required jobs, whether institution holds a general meeting for all members, how many times was a general meeting held during last 12 months, purpose of general meeting, date meeting was held, percentage of members who participated, why institution does not hold a general meeting for all members, how member communicate with committee members of institution, information on fund manager & record keeper [whether person has same responsibilities as last year, house #, phone #, whose phone it is, gender, age, years of residence in village, highest grade of school completed, educational system, other professional training, current occupation, type of worker, current & past village/tambon positions, current position in institution, # of years as a member, # of years in current office, responsibilities in institution, whether person is paid any allowance by institution, how much, how often], how many hours per month does the record keeper spend in book keeping, whether members have access to records of institution, and why institution does not grant access)

XI. Income Generating Activities Owned by the Institution (Questions including types of income generating activities in which institution invests, net profits for 1997, net profits for 1998, how institution uses the income earned from investment project, and whether institution keeps records of how the income from investment project is used)

XII. Current Relationship with other Financial Institutions outside the Village (Questions including whether institution save money with an outside financial institution, for all financial institutions collect name of institution, location, why this institution was selected, when savings account with this institution was opened, type of savings, current balance, interest rate, withdrawal policy, whether institution {respondent} has borrowed money from outside financial institutions, for all financial institution collect name of institution, location, why this institution was selected, when institution got loan, original amount of loan, current outstanding balance, interest rate, repayment schedule, purpose of loan, whether loan requires collateral, type of asset used as collateral, value of collateral, whether loan requires guarantors, how many, qualification of guarantors, whether institution {respondent} received investment from an outside institution during last year, for all institutions collect name of institution, location, when institution received investment, amount of investment, amount of dividend paid last year, whether institution {respondent} received free aid from an outside institution during last year, for all institutions collect name of institution, location, when institution received free aid, amount of free aid, and purpose of free aid)

XIII. Free Aid (Questions including whether institution gives free aid to people, form of free aid given by institution, who is eligible to receive free aid, how institution checks the eligibility of free aid recipient, who is responsible for checking eligibility of free aid recipients, maximum value of free aid that can be given to one person, maximum # of times that one person can receive free aid from institution, # of cases where free aid is given to a person for reasons [Family Problems: death of spouse, death of other family member, divorce, change in family structure, elderly to take care of, other; Illness: cost of medicine, cost of hospital/clinic, cost of treatment, other; Housing: house burned down, house was robbed, other; Natural Disaster: flood, drought, hailstorm, strong wind, other; Employment: fired from job, unable to find new job, other; Other], details of three most recent cases of free aid given by institution, in each case collect name of recipient, age of recipient, gender of recipient, when aid was given, reason for free aid, form of free aid given, and value in baht of free aid)