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, when institution stopped being 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 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)

A. Characteristics of Money Manager and Record Keeper (Questions including money manager?s & record keeper?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], current position in institution, # of years as member, # of years in current office, responsibilities in institution, whether person is paid an allowance by institution, how much, and how often)

IV. Identification of Activities

A. Savings (Questions including whether institution has ever offered saving facilities to its members, when institution first started offering this service, whether institution currently offers this service, whether since savings services were first offered they have been continuously available, in what years had institution stopped savings service, why savings service was interrupted, in what years had institution resumed savings service, why saving service was resumed, and whether institution keeps records of savings)

B. Lending (Questions including whether institution has ever offered lending facilities to its members, when institution first started offering this service, whether institution currently offers this service, whether since lending services were first offered they have been continuously available, in what years had institution stopped lending service, why lending service was interrupted, in what years had institution resumed lending service, why lending service was resumed, and whether institution keeps records of lending)

C. Investment (Questions including whether institution has ever invested in income generating activities, when institution first started investing, whether institution currently invests, whether since institution first started investing there has been continuous investment, in what years had institution stopped investing, why investing was interrupted, in what years had institution resumed investing, why investing was resumed, and whether institution keeps records of investment in income generating activities)

D. Non-financial Services (Questions including what services are currently offered and how much is 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 when institution was founded, why was it established, background information on people who set up institution [person?s name, whether s/he was a villager or non-villager, current position within institution, village position s/he holds], whether there was any other institutions providing similar services before institution was established, why it was established if there were institutions providing similar services, and what villagers usually did when their families needed financial services before institution was founded)

A. Initial Fund (Questions including what was the form of the initial fund that was collected when institution was founded, source of funds & amount [donation from members, initial savings of members, investment of member, donation from another village organization, loan from another village organization, investment from another village organization, donation from an organization outside the village, loan from an organization outside village, investment from an organization from outside village, or other], total value of initial fund, how many days it took before the first savings or initial fund was collected from the organizational meeting, and what caused the delay)

B. Training (Questions including whether officers of institution had training at time of foundation, who organized it, where it took place, how long it lasted, how many people attended, topics covered, how officers acquired skills they needed to manage institution, how many times officers have received further training, who organized it, where it took place, how long it lasted, topics covered, whether general members had training at time of foundation, who organized it, where it took place, how long it lasted, how many people attended, topics covered, how did general members learn about the policies of institution, how many times general members have received further training, who organized it, where it took place, how long it lasted, topics covered, at what level did institution operate at time of foundation, for each change collect year change occurred, how operational area changed, and reason for change)

VI. Members/Clients of the Institution (Questions including description of original members & current members, whether most members have same occupation, what it is, whether members share any other important characteristics, what they are, why characteristics of original members & current members 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 not, 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, how often fee is paid, total # of members by year, in what year did change in membership take place, how large was change, what caused it, whether membership was limited or closed for some reason, whether a dramatic turnover in members has ever occurred, when it was, and why it occurred)

VII. Internal Savings (Questions including whether institution ever provided savings facilities to its members, current form(s) of deposits accepted, when institution first began offering savings services was this form accepted [cash, rice, other crops, animals, or other], in what year did change in the form accepted deposits occur, and what was change)

A. Types of Savings (Questions including whether institution currently offers this type of savings [pledged savings, pledged shares, savings, shares, special deposit, time deposit, or other], when institution began whether it offered this type of savings, in what year did change in type of savings that were accepted change, what was change, why it occurred, for all types of savings collect type, how often members save, procedure for a member to change amount of pledge, whether type of savings is optional or required, what happens if a member fails to save as required, minimum amount required to open account in 1996, maximum deposit to account in 1996, average amount of deposit per member for account in 1996, explanation of withdrawal policy, any changes made to withdrawal policy, when withdrawal policy changed, how it changed, why it changed, whether savings account pays an interest rate or dividend or other, annual interest rate of dividend paid to account in 1996, how interest rate or dividend is calculated, any changes made to interest rate or dividend calculation, when change occurred, how it changed, why it changed,

B. General Questions About Savings (Questions including minimum initial amount deposited to open account, minimum deposit required to open account, 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 per year, in what year did significant change take place, how large was change, why it occurred, was savings service limited or closed for some reason, anything special about people who recently started to save with institution, amount of annual savings, in what year did significant change take place, which types of savings were affected by change, how large was change, why change occurred, annual interest rate or dividend, in what year was there a significant change, which types of savings were affected by change, how large was change, and why change occurred)

VIII. Internal Lending (Questions including whether institution has ever provided lending facilities to its members)

A.?Forms of Loans (Questions including whether institution currently makes loans of this form [cash, rice, other crops, fertilizer, other farm inputs, animals, or other], when institution first began offering loan services was this type offered, in what year did change in the forms of loans occur, what was the change, and why change occurred)

B. Types of Loans (Questions including what types of loans have ever been available, whether institution currently offers type of loan, when institution first began offering loan services was this type offered, in what year did change in the form of loans occur, what was the change, why change occurred, whether institution has a loan application form, whether institution interviews applicant before giving applicant a loan, questions asked during interview, and why loan applicants are not interviewed)

C. Eligibility Criteria (Questions including whether criteria [amount of savings in institution, purpose of loan, other outstanding liabilities, reputation, ability to repay, occupation, or other] is currently used to determine whether or not an applicant is eligible to receive a loan, whether criteria was used when institution began first offering loans, and how criteria is used to determine eligibility)

D. Size of Loan (Questions included criteria used to determine size of loan for each applicant, maximum loan size, minimum loan size, any change to this since loan services began being offered, when change occurred, how it changed, why it changed, whether institution requires collateral for a loan, types of collateral accepted, ratio between value of collateral and size of loan, how value of necessary collateral is determined, any changes to policies on collateral since loan services began being offered, when it changed, how it changed, and why it changed)

E. 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 since loan services began being offered, when change occurred, how it changed, and why it changed)

F. Repayment Schedule (Questions including typical repayment schedule for loans, determinant for how long loan will last, how often borrower typically makes payment, determinant of how often payments are made, changes in policies on repayment schedule since loan services began being offered, when change occurred, how it changed, and why it changed)

G. General Questions (Questions including 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 loans are 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, how institution evaluates this ability, and who is responsible for evaluating non-member?s ability to repay debt)

H. Target Borrowers (Question including changes in target borrowers since institution?s foundation, when change occurred, how it changed, why it changed, # of loans per year, whether there have been any significant annual changes in # of loans, when change occurred, how large was change, why change happened, amount of annual loans per year, significant annual changes in value of loans, when change occurred, how large was change, why change occurred, total value of loans, interest rate charged by year, significant changes to interest rate, when change occurred, how large was change, and why change occurred)

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? 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, 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 by year, how institution uses the income earned from investment project, and whether institution keeps records of how income from investment project is used)

XII. Current Relationship with other Financial Institutions outside the Village (Questions including whether institution saves 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, description of institution?s passbook with each outside financial institution, name of institution, date, amount, reason, whether institution {respondent} borrows 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} receives investment from an outside institution, for all institutions collect name of institution, location, when institution received investment, amount of investment, amount of dividend paid last year, whether institution {respondent} receives 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)