ความคิดเห็นที่ 42
สำหรับคนบ้าฝรั่ง เอาบทความเรื่องกองทุนหมู่บ้านของ Time ไปอ่านเล่น http://www.time.com/time/magazine/article/0,9171,1022661-3,00.html เจาะลึกได้ไม่เลว
Udol Kamta can attest to some of the program's drawbacks personally. Before Thaksin's Village Fund was launched, Udol had almost no debt. Today, the 50-year-old farmer and his family owe the fund $2,250, but the income he ekes out by tilling rice and red chilies is too meager for him to pay it off. "I've never had such extreme problems in my life," says Udol. His troubles began three years ago when the 1 million baht hit his hamlet of Nhonghoi in Thailand's northeast like a winning lottery ticket. A committee of local villagers parceled out the loans liberally. Udol borrowed $500, invested it in a new chili field, and waited for his fortune to roll in. But like many of his fellow farmers, he lacked business experience. Though his chilies earned a little extra cash, it wasn't nearly enough to cover his $500 loan plus 6% annual interest. So when the debt came due after one year, his wife borrowed $500 from the fund for him to use to pay back his own loan. Then the family dug itself in deeper. Udol borrowed another $500 to help with the costs of his new chili field, his son borrowed $500 to pay school fees, and his mother-in-law took a $750 loan to invest in new cows. He hasn't been able to pay any of it back. Each time the loans come due, says Udol, he temporarily borrows from emergency savings held by Nhonghoi's elders to repay the Village Fund, then borrows more from the fund to erase his debt to the chiefs. "I didn't know how to manage the money," Udol says. "If I had known what would happen, I wouldn't have taken the money in the first place."
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