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before a small warning in dsrama ABRI now in BTN (housing project) #5 suami pension ABRI before shall warung now not warung bankrupt; BRI customer before for warung 69 KMKP now - also to make house ; only 2 more payments used sertifikat in mother's name #6 a teacher; husband borrows from BRI, she must co-sign for this must get permission or letter of keterangan from bank she heard 'sulit' to get BRI kredit BPD, Bap., swasta lebih gampang pensyanatan BCA, Bank Luanape - layanan lebih baik; she is a member of Kooperasi Pergursitau - husband has angkutau enterprise