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under 3 juta same time to realize inv. & Expl takes time to do cash flow quitanse after realizasi; they must submit [[rencana?]] & estimate [[rencana?]] [[pengunaran?]] kredit & [[perkiraan?]] for inv only corrections: model [[Formul..?]] 70A for under 750,000 [[Rp..?]] - a. inv. doesnt require cash flow b. expl requires projection only [[formul...?]] 70B for under 750,000 same a. inv doesn't require b. expl requires c. flow [[next page]] inv has max B [[yes?]] so some like, esp. for [[kios?]]; Kaudes doesnt agree if combined because of diff in interest if a [nas.?]] has goten more exp interest 2 times, K. likes to help by giving lower interest 3rd time; they are afraid [[nas.?]] will [[lari?]] to [[cabang?]] or [[lain?]] bank (bank [[pasan?]] will take him quickly if has a good record as a [[BRI?]] [[nas?]].) tambal sulam = to cover old loan [[w/?]] new ([[mengali?]] [[lobangy?]], talup [[lobang?]]) they admit villages dont underst- *they see [[pequnaan?]] + make decision problem loans not always used as planned I [[keluanqa?]] only I credit, may not use for 2 types of usaha; if [[permohonam?]] 2, they [[melayani?]] only I usually choose husbands enter- prise re [[sekton?]] Mantri fills out model 70 after [[periksaan?]]