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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