The Author: Wolfram Erhardt, born in Tübingen, 1969, studied Business and Economics at the University of Hohenheim with specialisation in International Economics, Banking and Accounting. His dissertation was completed in 2001. Presently he is project manager for Southeast Europe at Kreditanstalt für Wiederaufbau in Frankfurt am Main.

• Contents: Introduction – Definitions and Methodology – Northern Thailand - The Socio-Economic and Regional Context – Finance Technologies of Lenders in Urban and Rural Chiang Mai – Access of Urban and Rural Small Enterprise Households to Formal Credit – Borrower Transaction Costs of Urban and Rural Small Entrepreneurs – Summary and Policy Conclusions.

The Author: Wolfram Erhardt, born in Tübingen, 1969, studied Business and Economics at the University of Hohenheim with specialisation in International Economics, Banking and Accounting. His dissertation was completed in 2001. Presently he is project manager for Southeast Europe at Kreditanstalt für Wiederaufbau in Frankfurt am Main.

• Contents: Introduction – Definitions and Methodology – Northern Thailand - The Socio-Economic and Regional Context – Finance Technologies of Lenders in Urban and Rural Chiang Mai – Access of Urban and Rural Small Enterprise Households to Formal Credit – Borrower Transaction Costs of Urban and Rural Small Entrepreneurs – Summary and Policy Conclusions.

The Author: Wolfram Erhardt, born in Tübingen, 1969, studied Business and Economics at the University of Hohenheim with specialisation in International Economics, Banking and Accounting. His dissertation was completed in 2001. Presently he is project manager for Southeast Europe at Kreditanstalt für Wiederaufbau in Frankfurt am Main.

• Contents: Introduction – Definitions and Methodology – Northern Thailand - The Socio-Economic and Regional Context – Finance Technologies of Lenders in Urban and Rural Chiang Mai – Access of Urban and Rural Small Enterprise Households to Formal Credit – Borrower Transaction Costs of Urban and Rural Small Entrepreneurs – Summary and Policy Conclusions.