no changes needed
no guarantors
higher loan amounts
longer repayment periods
lower interest/grants
repayment in-kind
give money only to the poorest
other
not reported
commercial banks
bank of agriculture and agricultural cooperative
government housing bank/saving bank
financial institutions/credit foncier
saving cooperatives
organization's welfare
relatives outside the household
friends
no need
belived would be refused
too expensive
not like in debt
have other sources
no
yes
no funds left
application incomplete
improved
unchanged
worsened
on time
overdue
other people outside
buy agricultural equipment
buy animals
buy agricultural land
buy  non-farm business equipments
business construction
buy consumer durables goods
improve dwelling
school fees
health treatment
ceremonies
on-lending
other(specify)
vf not available
applied but refused
believed would be refused
did not find guarantors
do not like to be in debt
do not know vf
municipal area
non-municipal area
bangkok  metropolis
central  (exclude  1)
north
north east
south
servant
head
spouse
unmarried son or daughter
married son or daughter
son or daughter in-law
grandchild
parents,grandparents
brother,sister or other relative
non-relative
male
female