Dear Supachai (All),
Thank you for your comments and suggestions.
You are right that we should not keep so much money. The members are not getting the full benefit of the Credit Club — they are getting the benefit of savings, but not of borrowing.
I heard from Kob that there are something like 2+ million Baht of loans that will come on October — presumably these are Common Loans that the initial wave of Credit Club members can now borrow. It will be great PR for the Credit Club once these people start receiving their money, and only paying low interest rates each month.
I am not in a rush for the repayment to the company, but if you feel it would be best, we can consider doing so.
Thanks,
Vincent