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[[top margin in red]] 23
[[circled in red]] he knows inv. more 
profitable, but says 
if know people here 
they wont pay inv. [[/circled in red]]
problem of the grace period; 
amt. of savings about 
same as borrowing 
does use savings funds 
for KUP borrowing; [[circled in red]] 100% 
from savings 
no liquidity from Cab; 
100 juta saved [[strikethrough]] from [[/strikethrough]] at [[/circled in red]] 
Cabang
most loans 2 yrs.,
monthly payments
many pay off early
gabah traders-dagang
tukang jahit
[[circled in red]] no loans to women[[/circled in red]