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Rick +                                        11-18 

more than 500,000 land certif.- will sometimes

|Kupedes reaches top third or  
|40%
|evidence of employm. generation 
  also some 
  philosophy Kupedes:
|lend small at beginning + get larger
               |for banking try to 
               |minimize info needed

           [[underline]] 82% of unit desas making  
            a profit [[underline]]
          RUD[[scribble out]] - 

       Kupedes

Transcription Notes:
"82% of unit desas making a profit" should be underlined