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(contd.) notes from KUPEDES repeat contd. |the majority of KUPEDES loans are listed as |being for trade, + most loans are for 12 mo. |with monthly installments. |profited from trade tapped for fertilizer + |other inputs at the time they are needed variety of repayment schedules, w7 + without grace periods, available 3 mo 6 9 12 18 24 collateral required sufficient to cover the value of the loan large maj. of borrowers use land any document indicating land ownership OK for loans under 500,000 , but [[underline]] legal land certif. needed for larger loans [[underline]]