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78-79 Kredit Midi - also any kind of rural enterprise, 200,000 - 500,000 after 71 Unit Desas also handled TABANAS savings, paying 1st 18% + later 15% II crisis in 1982 as BIMAS had outlived its usefulness BRI had invested in training of over 14,000 Unit Desa staff continuing large demand for working cap. + smaller demand for inv. cap under Mini + Mida Programs problem in negative interest spread in 1983 new policy that banks could set own interest (( Kupedes = Kredit Urnum Pedesaan )) (( Simpedes = Simpanan Pedesaan )) BRI responded with Kupedes, a more generalized rural credit program which they hoped would replace specialized department programs in 83 +84 Bemas, Mini + Midi programs stopped