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#6 heard from friends; needed a loan to buy tires
#5 asked friends, made a certif. w/ Pak Lurah, then borrowed
#4 asked lurah how to borrow from BRI
#3 before a mining dept. employee tried 1st to buka kios, wife suggested borrow - heard from lurah
#2
#1 before to BRI Garut - because only 1 juta they referred to unit

where for sm. loan -
#9 Darma Wan. coop
3 bulan, 3 payments for 25,000 they cut 1000

#7 from KUP
5 mo. max
2% a mo.

#9 has heard of KOSIPU, her neighbor
300 a day for 40 days