This study examines the demand for and supply of financial services for small entrepreneurs in Northern Thailand. Particular emphasis is placed on credit technologies deployed by formal and informal institutions and on determinants of credit access and borrower transaction costs. The study complements and expands on existing research into micro-finance by adding a specific regional dimension. A remarkable situation of -urban bias in reverse- has been detected as far as access to formal finance is concerned. Conventional access variables (such as education and the level of household income and...