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22 per cent access to funds Adapted from Nat affecting interest rates Anant Srisvanksuk asked by friends average number baht Bangkok Bank of Thailand banks and finance bidder business rotating credit cheque discounting business cheque discounting market Chittima Duriyaprapan collaterals commercial banks cont Deposit rate deposits with organized factors affecting interest finance companies friends and relatives give more trade higher returns Implicit Implicit Implicit Implicit rates Indonesia interval Jobber loan rate loan repayment major Nat Tapasanan number of groups og.cit organized financial institutions Personal Business Cheque personal consumption personal rotating credit Prapan Saisongkhroh previous round quick access relationship risk premium Rotaﬁng Credit rotating credit games rotating credit participate rotating credit societies rotating credit table seminar on Jnorgenized sources of funds Tabla Table 11 trade credit given type of rotating unorganized money markets urban unorganized money various unorganized money weighted average