TAILIEUCHUNG - The Community Savings Bank: Continuing Education at the Village Level

Based on past WPI inflation data, we see that every time the real rate turned positive, the regulator reduced the SB rate 1 , never to take corrective action (in terms of increasing the SB rate) even on subsequent high negative real rates. Chart 1 provides this picture in very clear terms. From 2003 to 2009 the real rates on SB accounts remained at historically low levels and persisted there for six years. Barring the transitory reversal in end 2009, this high negative real rate continues to pinch the small savers till date. One can clearly see that at least during April. | CASE STUD Y The Community Savings Bank __ THAILAND I Continuing Education at the Village Level Tambol Klong Pia is an isolated village in Jana district Songkhla province. It is located on flat land surrounded by some hills. In 1999 there were 4 842 people living in the village comprising 886 families with an average of 5 persons per family. There were 677 children from 0-12 years of age and 3 184 individuals between 13 and 49. The majority of the population 10 017 people was over 50 years old. Approximately 1 384 persons completed Grade 6 of primary education 947 persons had completed Grade 4 and 369 persons had studied up to Grade 12 and beyond. By the time ofthe survey only 95 boys and girls were studying at the upper secondary level there were 572 students at the lower secondary level and 202 children in primary school. Most ofthe villagers earn a living through agriculture. Previously they were poor and had a hard life. Many families were in debt. They borrowed money from the Agricultural Bank and Credit Union. Some farmers received funds from non-government agencies to improve their productivity. The lifestyle ofthe people in Tambol Klong Pia was similarto other rural communities in Thailand in terms of education namely low literacy and few vocational skills. They were facing poverty because ofa lack ofland lack of technology to improve crop growing and the effects ofa severe drought. Recently however they decided to improve their standard of living by setting up a community savings bank. This bank aimed at improving people s economic conditions and helped the villagers to live together in harmony. They conducted many activities that helped them become self-reliant capable and skilled. They had access to resources giving them opportunities to respond to changing conditions. The ultimate goal of the bank was to improve the potential to better apply the villagers knowledge skills and talents to improve their way of living. The Department ofNon-formal .

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