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    <subfield code="a"> A thesis submitted in partial  fulfillment of the requirements for the d egree of Master of Science in Regional and Rural Development Planning</subfield>
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    <subfield code="a"> This study  focused on  the  impacts  of micro - credit projects  on  the  social  and  economic  aspects  among  the  borrowers  to  the  access  to  micro - c redit  loans  from  Micro - Finance Institutions, which reproduces and invest in their agricultural production.  The main findings of credit research are found that the borrowers of the poor and non - poor  household s for ethnic m inorities took credit both collateral and requirement for LUC while  access  to  micro - credit  loans.  In  addition,  the  most  households  of  ethnic  minorities  use  credit for production purpose, whereas the households of ethnic minorities also use it for  consumpti on purpose. Therefore, the poor and non - poor household of ethnic minorities has  some positive aspects during their using of credit as well as the purchasing equipments for  production purpose and the improvement of consumption services. On the other hand, t he  poor  and non - poor  household s of  ethnic  minorities  ha ve several  negative  aspects  while  them to use credit in their reproduction and investment; namely, some households got low - income as well as they are not enough for food sufficiency while using of cred it on their  economic  activities.  As  a  result,  some  the  poor  and  non - poor  households  of  ethnic  minorities cannot  achieve  more benefits  from  getting  credit  in their  economic  activities  because they were not satisfied about amount of loan insufficiency and in adequate as well  as the lack of collateral while access to credit.</subfield>
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