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05 Legend Agricultural Credit amount of loan average Bangladesh Barangay BENGUET STATE UNIVERSITY carabao cash cavans character certification chi-square test cooperatives credit and marketing credit needs crop produce Development farmer borrowers farming experience formal and informal formal sources harvest hectares hidden charges household expenditures Ibon income Informal Credit Markets informal credit sources informal sources inputs interest rate charged Kasetsart University Laguna LAGUNA PROVINCE lending practices loan amount applied loan applied loan grant loan release loan repayment majority market price marketing practices marketing system money lenders Nepal ONCHAN percent Philippines Pi la Total practices of money practices of rice price of palay problems production promissory note RBBI RBCI RBMI regression rice produce rice traders Rural Bank rural financial markets sample municipalities significant small rice farmers specify study sites suggested measures Table technical assistance TEK BAHADUR Thailand Total 30 total assets Total Variable transaction cost yes no sometimes