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theoretically buildings, motor cycles as any other property may be accepted

[[underline]] borrowers classified acc. to repayment record for future loaning purposes [[underline]]

a [[underline]] class A [[underline]] borrower who paid all installments on time can borrow [[underline]] 2x [[underline]] as much the 2nd time 

collateral seldom seized in case of default 

[[circled]]IV[[/circled]] prior to Jan 84 each unit desa a window of the Cabang w little autonomous powers; now each a full service rural bank
this required 4 major accounting changes
(1) [[underline]] reconstruction of each Unit Desa balance sheet [[underline]]
BMAS assets & liabilities transferred to the Cabangs (the U.D.s still help w/ collection) but Kredit Mini + Midi left w/ the U.D.s
KUPEDES loans written off if in arrears more than 12 mo. [[strikethrough]] bel [[/strikethrough]] beyond final