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5 under KUPEDES access to credit given priority over cheapness of credit in order to ensure fin. health of Unit Desas Tabanas left at 15% + Unit Desa interest rates charged on loans named to cover spread (operating cost + risk) more savers than borrowers in rural areas Bank Indon. gave 3% liquidity credits for KUPEDES on investment credit only. investment credit (interest note set at 1% between 1984-87 Kupedes continued to evolve + now in more or less final form Research Section of BRI, assisted try Ministay of Finances Center for Policy + Implementation Studies (CPIS) has monitored Kupedes viability proved by end of 2nd yr.