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1  5  in red ink [[margin note 1]]
 
[[encircled]]* Why investasi selalu dicurigai
* [[/encircled]]

[[encircled]] if need both inv & expl., C,O, says make 2 loans & 1 says can get both at once
can get 2 inv. in a row if nas. illiterate, petugas
U.D. makes R.A.B.
not a hambatan he says R.A.B. required for K.I.K. & he feels shld also require for KUP investasi
he doesn't, however, require izin irsaha(not like K
[[strikethrough]] cabang [[/strikethrough]] pinca thinks [[/encircled]]

*[[encircled]] they often get inspected by Kanin which complains if investasi used for expl [[/encircled]]
once a nas. in Ubud asked for a loan to buy compressor & compressor tidak ada
[[encircled]] they got a teqoran from 1985-86 [[/encircled]]
Kanin at Kanwil level
also same at Sodeam, says Sl.

if musim namai a lot investment loans to memperluas usaha
July - Sept & Dec&Jan are busy seasons

[[preprint]] IT IS WRONG TO TELL A LIE [[/preprint]]

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[[red ink]]5   2   [[/red ink]]  *

market still strong for tourist related handicrafts, they say (belum saturated "belum jenu" - also a lot of domestic tourists
types of investments (contd.)
5. perluasan tempat [[strikethrough]] h [[/strikethrough]] usaha for both industry & trade 
6. tools not common
7. alat sablon (Neain prada)- in Sukowati -3 juta
[smiley face]8. home stay + restaurant
[[encircled]] only allows new items because under KIK barang bekas dilarang
- he admits pakai [[strikethrough]] pl [[/strikethrough]] pola KIK
- under KIK barang yang dibeli lanqsung dipakai as jaminan so he also follows this rule

pinca doesn't agree - "apaleah tidak bisa dipernudakan" - peraturan KIK + KMKP berat untuk mereka [[/encircled]]

[[encircled]] pinca says expl labih menquntunqkas because of vol. of credit involved; pen vol. of funds he says same - (doesn't seem to underst spread)(arrow down to last sentence)
no requirement for grace period

not aware of difference in interest but C.O. knows [[/encircled]]

[[preprint]] DON'T MAKE LIGHT OF YOUR LIFE [[/preprint]]

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