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[[right-align]] 19 [[/right-align]] [[orange circle]] little requests for inv. - they admit that calon nas. dont underst. 'inv' but requests for banungan, tools, machines, [[/orange circle]] [[orange circle]] * few no instr. from PINW il or KANWIL to request receipts, but Kandes does to tanggung jaiwab - every [[strikethrough]] 7 mo. [[/strikethrough]] 6 mo. Kanin periksa * they ask to see quitansi dicuriqai inv. because lighter, interest; afraid will cheat + that's why request receipts [[/orange circle]] 1. most common inv. for home stay 30 2. kontrak kios pasar 20 3. studio lukisan (1) + patung (1) [[/orange circle]] they know inv. more profitable because liq. cabang cheaper - they say 9 % [[/orange circle]] | |Aug| Nov| |---|---|---| |kredit| 428 juta| 463| |simp| 417 juta| 522| positions reversed but still may get liq. from cab; separate books, [[strikethrough]] delimpa [[/strikethrough]] pokok dilimpahkan (overbooking) every wk. bunga every mo. all loans bulanan; borrowers don't want grace period because monthly payments higher - because havn't paid interest for 6 mo. only a few (less than 10)musiman, agr. sector if mixed montri says will put in expl if mixed loans inv. & expl give separate loans bertahap [[strikethrough]] 1 first [[/strikethrough]]- either one (inv or expl) can be 1st they prefer bertahap but admit no regulation fear can't pay even if total under