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in 1986 borrowed 2 juta from kakak [symbol for male], returned in 4 mo., no interest he is a member of coop. banjar, but has never borrowed from there no diff in price of materials if ngebon can get advances before termin due often does [underline] more often [/underline] late asking money from contractor sometimes gets a check & sometimes cash all govn. projects so go thru guarantee bank - before Bank 1946, now more often cash sometimes govn. late paying 10-15 days, but he says no problem workers often borrow from