merchants.cassava from nearby farmers and selling to the merchants.
Even though she has cash on hand to run both her business and her small farmland, she finds that she has inadequate cash to expand her agri-business and trade to generate income and improve her overall standard of living. In 2010, she actively sought financial assistance from CBIRD through contracting a loan of THB 20,000.00 with semi-balloon repayment method that was to be repaid with monthly interest and then at mid-term of the loan-cycle, the loan must be converted to 50% of principal and the balance debt outstanding must be repaid at the end of the loan contract.

She said, “With business development from this loan utilization, I can manage my business to be steadier and generate regular income. I satisfactorily used cash from my business’s profit to afford my children’s education and spend on normal family expenses such as meals, medication, clothes and social participation which were previously just a dream”.

since 2009. Khun Sok is honest and cheerful person and respected by his neighbors. According to his business plan, he definitely wanted to expand his agri-business, but he had inadequate funds. When CBIRD’s staff went to promote at his house, he immediately decided to get a loan from CBIRD.
He has received a loan from CBIRD for two cycles.  The first cycle was only USD400.00 which he applied to repay by the declining method and the second cycle was USD800.00. He used this cash to expand his garlic farmland and bought more garlic seed. Currently, the income from his business means that his standard of living has improved. His family members have proper dresses and his son is able to study more regularly at school and attend extra classes. As a result of this, he really thanks CBIRD for giving this financial stability to him.