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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