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worse situation now; a lot of compet. now harga bahan mahal "tidak cepat seperti dulu" (but no kiss before) would like to borrow again, I juta same use has about 50,000 savings in SIMP. in COOP. 100,000 Rp(so borrowed own funds - he is also a pendiri or founder of coop) 50 0 ram X 20,000 +/- = 1 juta