The Lum Phu practice, established 2015

A room where the coming week is read out loud.

The official registered business name is Cortex Harvest Financial Planning. The practice was established in 2015 and remains a small office in Tambon Lum Phu, working with owner-run businesses in Narathiwat province.

Arun Chaiyaporn spent eight years in the credit section of a commercial bank branch in Mueang Narathiwat. File after file asked for a short-term loan when the shop’s trouble was a pair of dates: a supplier who wanted settlement on the morning wages were also due. In 2015 he registered the practice and rented a room near the market, writing cash positions by hand for groceries and stallholders who would bring the passbook. Malee Wongsuwan joined in 2018 after keeping the books at her family’s rice wholesale counter. In 2019 the practice moved to the present office in Lum Phu, where the sittings are still held around a wooden table.

Arun Chaiyaporn, a Thai man in his fifties, seated at a dark wood desk in a velvet-curtained room — **Arun Chaiyaporn** Principal. He leads the sittings and is the person who asks you to name a cash floor out loud.

Malee Wongsuwan, a Thai woman in her late thirties, holding a closed ledger in the same evening office — **Malee Wongsuwan** She prepares the figures the day before a sitting and drafts the reserve amounts and the collection calendar.

How a sitting feels

Papers on the table, and the words you already use for the bills.

We come to the shop when the till cannot be locked. Saturday mornings at a grocery are ordinary. The fee inside Amphoe Mueang Narathiwat does not change because we climbed the stairs.

We will not write a position from memory alone. The passbook has to be in the room, or in a clear photograph of its pages. Where a figure is missing, the sheet shows a blank. A blank can be filled at the next sitting. A guess cannot be undone once the week has been spent.

The finished sheet is yours. Our blank working forms and the order of the sittings stay with the practice. Clients in Ra-ngae, Tak Bai, Su-ngai Kolok, and the tambons of Mueang come for the same reason: a week they can point at before the money leaves.

What we hold ourselves to

Say the fee in writing before any deposit.
Leave the sheet with the owner, on paper.
Keep client money out of our accounts. A reserve lives in your envelope or your bank.
Send loan files, tax returns, and daily books back to the people who do that work.
Answer a note within two working days, Tuesday to Saturday.

See the thirteen-week sitting