qP1997 IT Survey (section viii: internal lending)K02b 1 Feb 2006 10:35 ....FFFFFFFFFFF'''''''FGGFGFGFGFGFFFFFFKKKKKKKKKKKKK##FFFFFFFFFF##FFFFFFFFFF22FFFFFFFFFFFFFFFFF22FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFnewid cvr1e ld0a ld1b ld3a ld4a ld3b ld4b ld3c ld4c ld3d ld4d ld3e ld4e ld3f ld4f ld3g ld4g ld2c ld2e ld2f ld2g ld5a_1 ld5b_1 ld5ca_1ld5cb_1ld5a_2ld5b_2ld5c_2ld5a_3ld5b_3ld5c_3ld5a_4ld5b_4ld5c_4ld5a_5ld5b_5ld5c_5ld6a4ld7a4ld8a5ld6b5ld7b5ld8b5ld6c_5ld7c_5ld8c_5ld6d_5ld7d_5ld8d_5ld6e_5ld7e_5ld8e_5ld6f_5ld7f ld8f ld6g ld7g ld8g ld9a_1 ld9b_1 ld9ca_1ld9cb_1ld9a_2 ld9b_2 ld9c_2 ld9a_3ld9b_3ld9c_3ld9a_4ld9b_4ld9c_4ld9a_5ld9b_5ld9c_5ld104ld114ld12ald12bld12cld13ald13b5ld13c5ld15a5ld16a5ld17a1ld17a2ld15b5ld16b5ld17b1ld17b2ld15cld16cld17c1ld17c2ld15dld16dld17d1ld17d2ld15eld16e ld17e1 ld17e2 ld15f ld16f ld17f1 ld17f2 ld15g ld16g ld17g ld14g1 ld14g2 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numberstart timelending to memberscash at presentrscash at beginningrice at presentgrice at beginningother crops at presentother crops at beginningfertilizer at presentngfertilizer at beginningfarm inputs at presentfarm inputs at beginninganimals at presentnninganimals at beginningingother loan at presentngother loan at beginningother crops (specify)gother farm inputs (specify)animals (specify)(specify)other loan (specify)ecify)year #1an (specify)ecify)change #1 (specify)ecify)why #1 (part1)cify)ecify)why #1 (part2)cify)ecify)year #2part2)cify)ecify)change #2rt2)cify)ecify)why #2#2rt2)cify)ecify)year #32rt2)cify)ecify)change #3rt2)cify)ecify)why #3#3rt2)cify)ecify)year #43rt2)cify)ecify)change #4rt2)cify)ecify)why #4#4rt2)cify)ecify)year #54rt2)cify)ecify)change #5rt2)cify)ecify)why #5#5rt2)cify)ecify)type of loan #1ify)ecify)current #1n #1ify)ecify)beginning #1#1ify)ecify)type of loan #2ify)ecify)current #2n #2ify)ecify)beginning #2#2ify)ecify)type of loan #3ify)ecify)current #3n #3ify)ecify)beginning #3#3ify)ecify)type of loan #4ify)ecify)current #4n #4ify)ecify)beginning #4#4ify)ecify)type of loan #5ify)ecify)current #5n #5ify)ecify)beginning #5#5ify)ecify)type of loan #6ify)ecify)current #6n #6ify)ecify)beginning #6#6ify)ecify)type of loan #7ify)ecify)current #7n #7ify)ecify)beginning #7#7ify)ecify)year #1g #7#7ify)ecify)change #1#7#7ify)ecify)why #1 (part1)ify)ecify)why #1 (part2)ify)ecify)year #2part2)ify)ecify)change #2rt2)ify)ecify)why #2#2rt2)ify)ecify)year #32rt2)ify)ecify)change #3rt2)ify)ecify)why #3#3rt2)ify)ecify)year #43rt2)ify)ecify)change #4rt2)ify)ecify)why #4#4rt2)ify)ecify)year #54rt2)ify)ecify)change #5rt2)ify)ecify)why #5#5rt2)ify)ecify)loan application formcify)interview before loancify)what question (part1)cify)what question (part2)cify)what question (part3)cify)why no interview (part1)y)why no interview (part2)y)why no interview (part3)y)current criteria Aart3)y)past criteria A Aart3)y)method A (part1)Aart3)y)method A (part2)Aart3)y)current criteria Bart3)y)past criteria B Bart3)y)method B (part1)Bart3)y)method B (part2)Bart3)y)current criteria Cart3)y)past criteria C Cart3)y)method C (part1)Cart3)y)method C (part2)Cart3)y)current criteria Dart3)y)past criteria D Dart3)y)method D (part1)Dart3)y)method D (part2)Dart3)y)current criteria Eart3)y)past criteria E Eart3)y)method E (part1)Eart3)y)method E (part2)Eart3)y)current criteria Fart3)y)past criteria F Fart3)y)method F (part1)Fart3)y)method F (part2)Fart3)y)current criteria Gart3)y)past criteria G Gart3)y)method Geria G Gart3)y)other criteria (part1))y)other criteria (part2))y)year #1iteria (part2))y)change #1eria (part2))y)why #1#1eria (part2))y)year #21eria (part2))y)change #2eria (part2))y)why #2#2eria (part2))y)year #32eria (part2))y)change #3eria (part2))y)why #3#3eria (part2))y)year #43eria (part2))y)change #4eria (part2))y)why #4#4eria (part2))y)year #54eria (part2))y)change #5eria (part2))y)why #5#5eria (part2))y)loan type Aia (part2))y)loan type Bia (part2))y)criteria TypeA (part1))y)criteria TypeA (part2))y)criteria TypeB (part1))y)criteria TypeB (part2))y)maximum loan TypeAt2))y)maximum loan TypeBt2))y)minimum loan TypeAt2))y)minimum loan TypeBt2))y)average loan TypeAt2))y)average loan TypeBt2))y)size change TypeAt2))y)size change TypeBt2))y)what year TypeABt2))y)what year TypeBBt2))y)what change TypeAt2))y)what change TypeBt2))y)why TypeAe TypeBt2))y)why TypeBe TypeBt2))y)collateral or not TypeAy)collateral or not TypeBy)collateral type TypeABy)collateral type TypeBBy)value ratio TypeApeBBy)value ratio TypeBpeBBy)how TypeA (part1)peBBy)how TypeA (part2)peBBy)how TypeB(part2)peBBy)policy change TypeABBy)policy change TypeBBBy)what year TypeApeBBBy)what year TypeBpeBBBy)what change TypeABBBy)what change TypeBBBBy)why TypeAe TypeBBBBy)why TypeBe TypeBBBBy)guarantor TypeABBBBy)guarantor TypeBBBBBy)guarantor number TypeAy)guarantor number TypeBy)member or not TypeAeBy)member or not TypeBeBy)policy change TypeAeBy)policy change TypeBeBy)what year TypeApeBeBy)what year TypeBpeBeBy)what change TypeABeBy)what change TypeBBeBy)why TypeAe TypeBBeBy)why TypeBe TypeBBeBy)how long TypeAeBBeBy)how long TypeBeBBeBy)determinants TypeA (part1)determinants TypeA (part2)determinants TypeB (part1)determinants TypeB (part2)how often Type AB (part2)how often Type BB (part2)determinants TypeA (Part1)determinants TypeA (part2)determinants TypeB (part1)determinants TypeB (part2)policy change TypeApart2)policy change TypeBpart2)what year TypeApeBpart2)what year TypeBpeBpart2)what change TypeA (part1)what change TypeA (part2)what change TypeB(part2)why TypeAe TypeB(part2)why TypeBe TypeB(part2)who has priority (part1)who has priority (part2)who has priority (part3)who has priority (part4)training before loant4)what training (part1)4)what training (part2)4)what training (part3)4)monitor loan or not)4)how often (part1)t)4)how often (part2)t)4)who responsible (part1)who responsible (part2)what methods (part1)2)what methods (part2)2)what methods (part3)2)loan to noon-member2)non-member loans (part1)non-member loans (part2)non-member loans (part3)how to evaluate (part1)how to evaluate (part2)how to evaluate (part3)who responsible(part3)change in target borrowersyear change #1t borrowerswhat change #1t borrowerswhy #1ange #1t borrowersyear change #2t borrowerswhat change #2t borrowerswhy #2ange #2t borrowersyear change #3t borrowerswhat change #3t borrowerswhy #3ange #3t borrowersyear change #4t borrowerswhat change #4t borrowerswhy #4ange #4t borrowersyear change #5t borrowerswhat change #5t borrowerswhy #5ange #5t borrowersyear TypeA #1t borrowersyear TypeA #2t borrowersyear TypeA #3t borrowersyear TypeA #4t borrowersyear TypeA #5t borrowersyear TypeA #6t borrowersyear TypeA #7t borrowersyear TypeA #8t borrowersyear TypeA #9t borrowersyear TypeA #10t borrowersyear TypeA #11t borrowersyear TypeA #12t borrowersyear TypeA #13t borrowersyear TypeA #14t borrowersyear TypeA #15t borrowersyear TypeA #16t borrowersyear TypeA #17t borrowersyear TypeA #18t borrowersyear TypeA #19t borrowersyear TypeA #20t borrowersloan number TypeA #1owersloan number TypeA #2owersloan number TypeA #3owersloan number TypeA #4owersloan number TypeA #5owersloan number TypeA #6owersloan number TypeA #7owersloan number TypeA #8owersloan number TypeA #9owersloan number TypeA #10wersloan number TypeA #11wersloan number TypeA #12wersloan number TypeA #13wersloan number TypeA #14wersloan number TypeA #15wersloan number TypeA #16wersloan number TypeA #17wersloan number TypeA #18wersloan number TypeA #19wersloan number TypeA #20wersyear TypeB #1peA #20wersyear TypeB #2peA #20wersyear TypeB #3peA #20wersyear TypeB #4peA #20wersyear TypeB #5peA #20wersyear TypeB #6peA #20wersyear TypeB #7peA #20wersyear TypeB #8peA #20wersyear TypeB #9peA #20wersyear TypeB #10eA #20wersyear TypeB #11eA #20wersyear TypeB #12eA #20wersyear TypeB #13eA #20wersyear TypeB #14eA #20wersyear TypeB #15eA #20wersyear TypeB #16eA #20wersyear TypeB #17eA #20wersyear TypeB #18eA #20wersyear TypeB #19eA #20wersyear TypeB #20eA #20wersloan number TypeB #1wersloan number TypeB #2wersloan number TypeB #3wersloan number TypeB #4wersloan number TypeB #5wersloan number TypeB #6wersloan number TypeB #7wersloan number TypeB #8wersloan number TypeB #9wersloan number TypeB #10wersloan number TypeB #11wersloan number TypeB #12wersloan number TypeB #13wersloan number TypeB #14wersloan number TypeB #15wersloan number TypeB #16wersloan number TypeB #17wersloan number TypeB #18wersloan number TypeB #19wersloan number TypeB #20wersyear TypeA #1peB #20werschange TypeA #1B #20werswhy TypeA #1 (part1)werswhy TypeA #1 (part2)wersyear TypeA #2part2)werschange TypeA #2rt2)werswhy TypeA #2 (part1)werswhy TypeA #2 (part2)wersyear TypeA #3part2)werschange TypeA #3rt2)werswhy TypeA #3 (part1)werswhy TypeA #3 (part2)wersyear TypeA #4part2)werschange TypeA #4rt2)werswhy TypeA #4 (part1)werswhy TypeA #4 (part2)wersyear TypeA #5part2)werschange TypeA #5rt2)werswhy TypeA #5 (part1)werswhy TypeA #5 (part2)wersyear TypeB #1part2)werschange TypeB #1rt2)werswhy TypeB #1 (part1)werswhy TypeB #1 (part2)wersyear TypeB #2part2)werschange TypeB #2rt2)werswhy TypeB #2#2rt2)wersyear TypeB #32rt2)werschange TypeB #3rt2)werswhy TypeB #3#3rt2)wersyear TypeB #43rt2)werschange TypeB #4rt2)werswhy TypeB #4#4rt2)wersyear TypeB #54rt2)werschange TypeB #5rt2)werswhy TypeB #5#5rt2)werswhy no growth (part1)werswhy no growth (part2)werswhy no growth (part3)werswhy no growth (part4)wersyear TypeA #1(part4)wersyear TypeA #2(part4)wersyear TypeA #3(part4)wersyear TypeA #4(part4)wersyear TypeA #5(part4)wersyear TypeA #6(part4)wersyear TypeA #7(part4)wersyear TypeA #8(part4)wersyear TypeA #9(part4)wersyear TypeA #10part4)wersyear TypeA #11part4)wersyear TypeA #12part4)wersyear TypeA #13part4)wersyear TypeA #14part4)wersyear TypeA #15part4)wersyear TypeA #16part4)wersyear TypeA #17part4)wersyear TypeA #18part4)wersyear TypeA #19part4)wersyear TypeA #20part4)wersloan amount TypeA #1wersloan amount TypeA #2wersloan amount TypeA #3wersloan amount TypeA #4wersloan amount TypeA #5wersloan amount TypeA #6wersloan amount TypeA #7wersloan amount TypeA #8wersloan amount TypeA #9wersloan amount TypeA #10wersloan amount TypeA #11wersloan amount TypeA #12wersloan amount TypeA #13wersloan amount TypeA #14wersloan amount TypeA #15wersloan amount TypeA #16wersloan amount TypeA #17wersloan amount TypeA #18wersloan amount TypeA #19wersloan amount TypeA #20wersyear TypeB #1peA #20wersyear TypeB #2peA #20wersyear TypeB #3peA #20wersyear TypeB #4peA #20wersyear TypeB #5peA #20wersyear TypeB #6peA #20wersyear TypeB #7peA #20wersyear TypeB #8peA #20wersyear TypeB #9peA #20wersyear TypeB #10eA #20wersyear TypeB #11eA #20wersyear TypeB #12eA #20wersyear TypeB #13eA #20wersyear TypeB #14eA #20wersyear TypeB #15eA #20wersyear TypeB #16eA #20wersyear TypeB #17eA #20wersyear TypeB #18eA #20wersyear TypeB #19eA #20wersyear TypeB #20eA #20wersloan amount TypeB #1wersloan amount TypeB #2wersloan amount TypeB #3wersloan amount TypeB #4wersloan amount TypeB #5wersloan amount TypeB #6wersloan amount TypeB #7wersloan amount TypeB #8wersloan amount TypeB #9wersloan amount TypeB #10wersloan amount TypeB #11wersloan amount TypeB #12wersloan amount TypeB #13wersloan amount TypeB #14wersloan amount TypeB #15wersloan amount TypeB #16wersloan amount TypeB #17wersloan amount TypeB #18wersloan amount TypeB #19wersloan amount TypeB #20wersyear TypeA #1peB #20werschange TypeA #1B #20werswhy TypeA #1 (part1)werswhy TypeA #1 (part2)wersyear TypeA #2part2)werschange TypeA #2rt2)werswhy TypeA #2 (part1)werswhy TypeA #2 (part2)wersyear TypeA #3part2)werschange TypeA #3rt2)werswhy TypeA #3 (part1)werswhy TypeA #3 (part2)wersyear TypeA #4part2)werschange TypeA #4rt2)werswhy TypeA #4 (part1)werswhy TypeA #4 (part2)wersyear TypeA #5part2)werschange TypeA #5rt2)werswhy TypeA #5#5rt2)wersyear TypeB #15rt2)werschange TypeB #1rt2)werswhy TypeB #1 (part1)werswhy TypeB #1 (part2)wersyear TypeB #2part2)werschange TypeB #2rt2)werswhy TypeB #2#2rt2)wersyear TypeB #32rt2)werschange TypeB #3rt2)werswhy TypeB #3#3rt2)wersyear TypeB #43rt2)werschange TypeB #4rt2)werswhy TypeB #4#4rt2)wersyear TypeB #54rt2)werschange TypeB #5rt2)werswhy TypeB #5#5rt2)werswhy no growth (part1)werswhy no growth (part2)werswhy no growth (part3)werswhy no growth (part4)wersyear TypeA #1(part4)wersyear TypeA #2(part4)wersyear TypeA #3(part4)wersyear TypeA #4(part4)wersyear TypeA #5(part4)wersyear TypeA #6(part4)wersyear TypeA #7(part4)wersyear TypeA #8(part4)wersyear TypeA #9(part4)wersyear TypeA #10part4)wersyear TypeA #11part4)wersyear TypeA #12part4)wersyear TypeA #13part4)wersyear TypeA #14part4)wersyear TypeA #15part4)wersyear TypeA #16part4)wersyear TypeA #17part4)wersyear TypeA #18part4)wersyear TypeA #19part4)wersyear TypeA #20part4)wersinterest rate TypeA #1ersinterest rate TypeA #2ersinterest rate TypeA #3ersinterest rate TypeA #4ersinterest rate TypeA #5ersinterest rate TypeA #6ersinterest rate TypeA #7ersinterest rate TypeA #8ersinterest rate TypeA #9ersinterest rate TypeA #10rsinterest rate TypeA #11rsinterest rate TypeA #12rsinterest rate TypeA #13rsinterest rate TypeA #14rsinterest rate TypeA #15rsinterest rate TypeA #16rsinterest rate TypeA #17rsinterest rate TypeA #18rsinterest rate TypeA #19rsinterest rate TypeA #20rsyear TypeB #1TypeA #20rsyear TypeB #2TypeA #20rsyear TypeB #3TypeA #20rsyear TypeB #4TypeA #20rsyear TypeB #5TypeA #20rsyear TypeB #6TypeA #20rsyear TypeB #7TypeA #20rsyear TypeB #8TypeA #20rsyear TypeB #9TypeA #20rsyear TypeB #10ypeA #20rsyear TypeB #11ypeA #20rsyear TypeB #12ypeA #20rsyear TypeB #13ypeA #20rsyear TypeB #14ypeA #20rsyear TypeB #15ypeA #20rsyear TypeB #16ypeA #20rsyear TypeB #17ypeA #20rsyear TypeB #18ypeA #20rsyear TypeB #19ypeA #20rsyear TypeB #20ypeA #20rsinterest rate TypeB #1rsinterest rate TypeB #2rsinterest rate TypeB #3rsinterest rate TypeB #4rsinterest rate TypeB #5rsinterest rate TypeB #6rsinterest rate TypeB #7rsinterest rate TypeB #8rsinterest rate TypeB #9rsinterest rate TypeB #10rsinterest rate TypeB #11rsinterest rate TypeB #12rsinterest rate TypeB #13rsinterest rate TypeB #14rsinterest rate TypeB #15rsinterest rate TypeB #16rsinterest rate TypeB #17rsinterest rate TypeB #18rsinterest rate TypeB #19rsinterest rate TypeB #20rsyear TypeA #1TypeB #20rschange TypeA #1peB #20rswhy TypeA #1 (part1)20rswhy TypeA #1 (part2)20rsyear TypeA #2part2)20rschange TypeA #2rt2)20rswhy TypeA #2 (part1)20rswhy TypeA #2 (part2)20rsyear TypeA #3part2)20rschange TypeA #3rt2)20rswhy TypeA #3 (part1)20rswhy TypeA #3 (part2)20rsyear TypeA #4part2)20rschange TypeA #4rt2)20rswhy TypeA #4#4rt2)20rsyear TypeA #54rt2)20rschange TypeA #5rt2)20rswhy TypeA #5#5rt2)20rsyear TypeB #15rt2)20rschange TypeB #1rt2)20rswhy TypeB #1#1rt2)20rsyear TypeB #21rt2)20rschange TypeB #2rt2)20rswhy TypeB #2#2rt2)20rsyear TypeB #32rt2)20rschange TypeB #3rt2)20rswhy TypeB #3#3rt2)20rsyear TypeB #43rt2)20rschange TypeB #4rt2)20rswhy TypeB #4#4rt2)20rsyear TypeB #54rt2)20rschange TypeB #5rt2)20rswhy TypeB #5#5rt2)20rsstop time#5#5rt2)20rs0721245110070A10:57???@@@@@@@@@@@@@@@@@@@@@@@@MI(missing value)fMI(missing value)]w(MI(missing value)]w(MI(missing value)fMI(missing value)MI(missing value)fO4G0OMI(missing value)\hm]m`(uqstgw0w*wwnMI(missing value)MI(missing value), kМ]М ` (u!MI(missing value)fO4G0OMI(missing value)MI(missing value)fO4G0OEMI(missing value)\h]`(u(MI(missing value)MI(missing value), k] ` (u+MI(missing value)\h\]\`(u-MI(missing value)MI(missing value), k] ` (u0MI(missing value)]w(4wDwAwSw=wXLEND FOR OCCUPATION ??MI(missing value) pMI(missing value)p MI(missing value)lplMI(missing value)fMI(missing value)̘p2MI(missing value)|pMI(missing value)MI(missing value)̕ k] ` (uJMI(missing value)fO4G0Oqstgw0w*wwn@MI(missing value)MI(missing value)̓ k] ` (uOMI(missing value)]w(4wDwAwSw=wXcMI(missing value)MI(missing value)fO4G0OMI(missing value)h]`(uVMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)hJ]J`(u[MI(missing value)MI(missing value) k] ` (u^MI(missing value)]w(4wDwAwSw=wXc??WHY DO THEY NEED MONEY AND MUST SHOW EXPENSE TO COMMITTEE |$Pi" ]swҔw0wwXc|NA(not applicable)1p]`(u~LU10000 REPAY 4 TIME/YR MI(missing value)Ly]THE SIZE OF LOAN IF LESS THAN 10,000 REPAY WITHIN 1 YEAR.IF MORE THAN10,000 REPAY 4 TIMES A YEAR. MI(missing value)zV]V`(uqstgw0w*wwn@@NA(not applicable)MI(missing value)]w(NA(not applicable)t]`(uqstgw0w*wwnMI(missing value)fO4G0ONA(not applicable)v]`(uMI(missing value)<v]`(uONLY FAMILY THAT EARN LESS THAN 5,000 BAHT A YEAR qstgw0w*wwnqstgw0w*wwnqstgw0w*wwn?THE RULE HOW TO PAY BACK qstgw0w*wwnqstgw0w*wwn?WHEN APPROVE LOAN AND WHEN BORROW GET THEIR PRODUCT qstgw0w*wwnCOMMITTEE qstgw0w*wwnEVERY BORROWER qstgw0w*wwnqstgw0w*wwn@@NA(not applicable)x~]`(uqstgw0w*wwnqstgw0w*wwnNA(not applicable)v|]`(uqstgw0w*wwnqstgw0w*wwnNA(not applicable),uuH]H`(u@@MI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)<o ] `(uMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value) o]`(uMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)oU]U`(uMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)o]`(u MI(missing value)MI(missing value)fO4G0OEMI(missing value)LOo]`(uEEEEEEAAAAA?2537 ^@@SOME BORROWER EARN MORE THAN 5,000 BAHT A YEAR AND OVER POVERTY LINE.qstgw0w*wwn2538 ^@@SOME BORROWER EARN MORE THAN 5,000 BAHT A YEAR AND OVER POVERTY LINE qstgw0w*wwn2539 ^@@SOME BORROWER EARN MORE THAN 5,000 BAHT A YEAR AND OVER POVERTY LINE qstgw0w*wwn2540 ^@@GROUP CAN COLLECT LOAN AND END CONTRACT qstgw0w*wwnMI(missing value)MI(missing value)To]`(utqstgw0w*wwnMI(missing value)MI(missing value)u]w(}  wXqstgw0w*wwnMI(missing value)MI(missing value)uf}  MI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)uf}  _ONLY MEMBERS WHO ARE VERY POOR qstgw0w*wwnqstgw0w*wwnqstgw0w*wwnEEEEEE280,000 ^280,000 ^60,100 ^101,000 ^86,000 ^15,000 ^MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)2537 ^@@SOME MONEY LEFT FROM THE YEAR EARLIER SO GROUP CAN LEND FOR MORE MEMBER 2538 ^?SOME BORROWER PAY BACK. GROUP HAD MONEY TO LEND TO MEMBER AGAIN. `'\O|4||PX2539 ^@@MONEY LESS BECAUSE SOME BORROW DID NOT PAY BACK. `'\O|4||PX2540 ^@@LEND ONLY 1 MEMBER. `'\O|4||PXMI(missing value)MI(missing value)<,u]`(uMI(missing value)MI(missing value)uf}  qstgw0w*wwnMI(missing value)MI(missing value)uf}  MI(missing value)MI(missing value)uf}  +MI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)uf}  +MI(missing value)rv]`(uqstgw0w*wwnqstgw0w*wwnqstgw0w*wwnEEEEEMI(missing value)MI(missing value)9uc]c`(uTqstgw0w*wwnMI(missing value)MI(missing value)L8u]`(uXqstgw0w*wwnMI(missing value)MI(missing value)]w(4wDwAwSw=wXqstgw0w*wwnMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)fO4G0O11:25I ^0721245112120A15:45???@@@@@@@@@@@@@@@@@@MI(missing value)fMI(missing value)]w(MI(missing value)]w(MI(missing value)fMI(missing value)MI(missing value)fO4G0OMI(missing value)\hm]m`(uqstgw0w*wwnMI(missing value)MI(missing value), kМ]М ` (u!MI(missing value)fO4G0OMI(missing value)MI(missing value)fO4G0OEMI(missing value)\h]`(u(MI(missing value)MI(missing value), k] ` (u+MI(missing value)\h\]\`(u-MI(missing value)MI(missing value), k] ` (u0MI(missing value)]w(4wDwAwSw=wXCOMMON LOAN ??MI(missing value) pMI(missing value)p MI(missing value)lplMI(missing value)fMI(missing value)̘p2MI(missing value)|pMI(missing value)MI(missing value)̕ k] ` (uJMI(missing value)fO4G0Oqstgw0w*wwn@MI(missing value)MI(missing value)̓ k] ` (uOMI(missing value)]w(4wDwAwSw=wXcMI(missing value)MI(missing value)fO4G0OMI(missing value)h]`(uVMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)hJ]J`(u[MI(missing value)MI(missing value) k] ` (u^MI(missing value)]w(4wDwAwSw=wXc??WHY DO THEY NEED LOAN? WHEN CAN THEY PAY BACK? AUDIT COMMITTEE WILL CHECK OUT. |$Pi" ]swҔw0wwXc|NA(not applicable)1p]`(u~LU 5,000, MONEY OF ALLCOSIGNERS HAVE TO > 80% OF LOAN. 3. >=10,000 BAHT, MUST USE COLLATERALMI(missing value)]w(4wDwAwSw=wXqstgw0w*wwn70,000 BAHT MI(missing value)1,000 BAHT MI(missing value)5,000 BAHT MI(missing value)@@NA(not applicable)MI(missing value)NA(not applicable)lx]`(uNA(not applicable)]w(4wDwAwSw=wXNA(not applicable)w]`(uNA(not applicable)fO4G0O?LAND TITLE (CHANOD) MI(missing value)]w(4wDwAwSw=wX10:8 (VALUE OF CHANOD=10, GET LOAN=8) MI(missing value)|{G]GBY ASSESSING, BY COMMITTEE qstgw0w*wwnMI(missing value)]w(4wDwAwSw=wX?2539 ^MI(missing value)CHANOD MUST BE OWNED BY COSIGNER ONLY (?) MI(missing value)lx]`(uTO PREVENT DEFAULT CASE MI(missing value)w6]6`(u?@??2539 MI(missing value)]w(4wDwAwSw=wXMEMBER WHO LIVES IN THE SAME HOUSEHOLD CANNOT COSIGN EACH OTHER. MI(missing value)\xF]F`(uTO PREVENT THE CASE THAT HOUSEHOLD MEMBER CAN'T PAY BACK. MI(missing value)]w(4wDwAwSw=wX<5000=6 MONTH, >10000=12 MONTHMI(missing value)LAMOUNT OF LOAN qstgw0w*wwnMI(missing value)]w(4wDwAwSw=wXqstgw0w*wwnEVERY MONTH MI(missing value)Ly]MEMBER MUST PAY BACK IN 6 MONTHS OR IN 12 MONTH DEPEND ON LOAN SIZE BUT DID NOT DETERMINE THAT MEMBERS HAVE TO PAY EVERY MONTH. MI(missing value)zV]V`(uqstgw0w*wwn@@NA(not applicable)MI(missing value)]w(NA(not applicable)t]`(uqstgw0w*wwnMI(missing value)fO4G0ONA(not applicable)v]`(uMI(missing value)<v]`(uFOR THOSE WHO NEVER GET LOAN WILL BE FIRST PRIORITY. qstgw0w*wwnqstgw0w*wwnqstgw0w*wwn?RULE OF LENDING AND PAY BACK. qstgw0w*wwnqstgw0w*wwn@@NA(not applicable),||Y]Y`(uqstgw0w*wwnNA(not applicable)<{t]`(uqstgw0w*wwnNA(not applicable)yo]`(uqstgw0w*wwnqstgw0w*wwn@@NA(not applicable)x~]`(uqstgw0w*wwnqstgw0w*wwnNA(not applicable)v|]`(uqstgw0w*wwnqstgw0w*wwnNA(not applicable),uuH]H`(u@@MI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)<o ] `(uMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value) o]`(uMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)oU]U`(uMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)o]`(u MI(missing value)MI(missing value)fO4G0OEMI(missing value)LOo]`(uEEEEE B\BBBB2537 ^?MEMBER NEED LOAN MORE, AND GROUP CAN SUPPLY MORE LOAN. qstgw0w*wwn2538 ^?MEMBER NEED LOAN MORE qstgw0w*wwn2539 ^?MEMBER NEED LOAN MORE qstgw0w*wwn2540 ^@@5 MONTHS DATA qstgw0w*wwnMI(missing value)MI(missing value)To]`(utqstgw0w*wwnMI(missing value)MI(missing value)u]w(}  wXqstgw0w*wwnMI(missing value)MI(missing value)uf}  MI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)uf}  _MI(missing value)fO4G0Oqstgw0w*wwnqstgw0w*wwnqstgw0w*wwnEEEEE57,000 ^218,000 ^424,000 ^601,500 ^245,500 ^MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)MI(missing value)2537 ^?MORE MEMBER AND BORROW MORE qstgw0w*wwn2538 ^?MEMBER BORROW MORE `'\O|4||PX2539 ^?MEMBER BORROW MORE `'\O|4||PX2540 ^@@5 MONTH DATA `'\O|4||PXMI(missing value)MI(missing value)<,u]`(uMI(missing value)MI(missing value)uf}  qstgw0w*wwnMI(missing value)MI(missing value)uf}  MI(missing value)MI(missing value)uf}  +MI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)uf}  +MI(missing value)rv]`(uqstgw0w*wwnqstgw0w*wwnqstgw0w*wwnEEEEEAAA@A@A2539 ^@@CONCENSUS FROM MEMBER TO LOWER INTEREST RATE OF LOAN, SO THAT THEY CAN GET LOAN WITH LOWER INTEREST RATE MI(missing value)MI(missing value)L8u]`(uXqstgw0w*wwnMI(missing value)MI(missing value)]w(4wDwAwSw=wXqstgw0w*wwnMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)MI(missing value)]w(4wDwAwSw=wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)u]w(}  wXMI(missing value)MI(missing value)fO4G0O16:45I ^0721246010210A10:25@@NA(not applicable)fNA(not applicable)]w(NA(not applicable)]w(NA(not applicable)u]NA(not applicable)NA(not applicable), k+]+ ` (uNA(not applicable)\hm]m`(uqstgw0w*wwnNA(not applicable)NA(not applicable), kМ]М ` (u!NA(not applicable)fO4G0ONA(not applicable)NA(not applicable)fO4G0OENA(not applicable)\h]`(u(NA(not applicable)NA(not applicable), k] ` (u+NA(not applicable)\h\]\`(u-NA(not applicable)NA(not applicable), k] ` (u0NA(not applicable)\h]`(u2NA(not applicable)\pCNA(not applicable) pNA(not applicable)p NA(not applicable)lplNA(not applicable)pϠNA(not applicable)̘p2NA(not applicable)|pNA(not applicable)NA(not applicable)̕ k] ` (uJNA(not applicable)h[][`(uLqstgw0w*wwn@NA(not applicable)NA(not applicable)̓ k] ` (uONA(not applicable)]w(4wDwAwSw=wXcNA(not applicable)NA(not applicable)̑ kc]c ` (uTNA(not applicable)h]`(uVNA(not applicable)NA(not applicable)]w(4wDwAwSw=wXNA(not applicable)hJ]J`(u[NA(not applicable)NA(not applicable) k] ` (u^NA(not applicable)h]`(u`NA(not applicable)]w(4wDwAwSw=wX|$Pi" ]swҔw0wwXc||$Pi" ]swҔw0wwXc|NA(not applicable)1p]`(u~LU