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after 1983 new savings programs added to supplement TABANAS; included SIMPEDES & time deposits
rapid growth in both savings + credit transactions; now experimenting w/ electronic verification, posting machines & micro-computers

improvement in methods of audit + supervision of the unit desas by cabang staff

aid has helped to finance training of Kaudes + periliks (cabang officers who perform field supervision + audit of the unit desas)

[[circled]] III [[/circled]] Kupedes charges 1 1/2% per mo. flat rate on working cap. loans + 1% on investment cap. loans
[[underline]]works out to 30.6% & 20.4% 
an additional 1/2 percent charged + returned [[/underline]] to those who pay all installments on time (Insentif Pembayaran Tepat Waktu or IPTW)

Theoretically min. loan size is 25,000 Rp ($14.70) but in practice very few loans under 100,000