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mostly Cab. or urban bank cust. Focus Groups Kawalu desa Kersamemale all male A. Kelompole Mampu - #1 petani sawah pondok pesantren wants to know if private banks controlled by govn + why noting done about Kosipa #2 pensuin ABRI - nas BRI since 1982 - UD ped. kelontong, membiat kue 2 #3 1978 started border + petani #4 industry border #5 pensiun peg negeri, petani sawah official of KUD who was Summa project says people kecil use Kosipa because 90% don't have jaminan here he had "kepercayasn bank Summa melalui Bank Summa" he says procedures in govn. banks "belit-belit"