Chomphu Samakkhi credit union (Chiang Mai, about 700 million baht in funds) reports NPLs up to 150 million baht as longan prices collapsed and fertiliser costs rose. Members can pay interest only for the first 6 months under a debt restructuring scheme, extendable. Loan rates are graded A 6.50%, B 7.50%, C 8.50% a year. The co-op is working with the Ministry of Agriculture on a pilot to shift growers from longan to peach palm. For SME owners in agricultural areas: loan terms and rate grading show how local lenders are pricing risk, and longan-linked income is under pressure.