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family they have one child he would like another BRI loan to buy: - 1 grinda listrik (electric polisher) @ 400,000 (he already has one and wants another) - 1 penarik kawat (wire maker), costing 100,000 Rp a set - 1 kompor gas (using LPG) to melt silver has land near road on way to Denpasar he sells to 4 'langganan' (trade partners) in Kuta he buys silver from Toko Bintang 52, J1. Sulawesi in Denp. also buys gold, stones, etc. from there the Unit Desa people told him his loan is 'exploitasi' (working capital) he 'setor' four times a month to Kuta; 900,000 Rp sales each trip; from this amount he must then buy a new lot of raw materials usually buys: - 1 1/2 k. silver for total 637,500 Rp - 6 grams warangan (arsenic?) @ 3000 Rp - 1 k. 'bijar' (supaya reaksi perak cepat) @ 6000 Rp - 3 grams stones (permata) @ 3500 Rp - 27,000 Rp worth of gasoline (bensin) - 1 k. 'trusi' (bahan pengilap), used for oxidizing silver, @ 6000 Rp leaves 195,000 Rp from this he must also pay wages and pay for meals for workers workers eat 2 x a day = 300,000 Rp a month (not week) receive salary of 40,000 Rp each a month x 10 workers = 400,000 Rp a month if divide by 4 1/2 weeks means he spends about 155,000 Rp on food and wages per turnover period, leaving only 40,000 Rp profit - he says he earns between 100,000 - 200,000 Rp. profit a month (not week), so gibes fairly well also says his profit between 5 - 15% of capital investment if he had capital he could give 1 month credit to the stores (system bon), in which case he could earn 20% profit Kuta stores use contracts - every so many days must setor 5 of his workers are girls and 5 are boys 6 of his workers are family members, and every 35 days he must give each of them a bonus of 20,000 Rp non-family members don't get this, but they get a 10,000 Rp holiday bonus every 6 mo. there are about 35 households in Banjar Seseh he is a member and coordinator in kal. coop called 'Kooperasi Pengrajin Perak dan Mas Singapadu Timur' are 175 enterprises in the coop; coop under the KUD every 2-3 mo. the members get credit from the coop in the form of 2 grams of gold and 500 grams of silver each if don't return the credit on time, are fined 3% because of tools purchased with BRI loan, can produce more than before before used 2 kilos of silver a month and now 6-7 before couldn't use gold and now can make combination gold and silver items before used 3 hired workers (plus himself and wife) and now 2