,, ,.,,,43 .

|SAVINGS PRODUCTS.......................................................<br>34|
|---|
|STAFFING.......................................................<br>34|
|UNDERWRITING AND LOAN SERVICING.......................................................<br>35<br>|
|PROGRAM PERFORMANCE<br>.........................................<br>..............<br>35|
|RESPONSE TO REGtrLATioNNo.71/1992 SUPPORTING THE1992BANKINGLAW......................................................<br>41|
|COMPETITION<br>.......................................................<br>41|
|**ANNEX 2: LUMBUNG KREDIT PEDESAAN (LKP) PROGRAM .......................................................**<br>**43**|
|PROGRAM<br>DESCRIPTION<br>.......................................................<br>43<br>|
|**LOAN**<br>PRODUICT<br>.............|
|SAVINGS PRODU CT .............<br>44|
|STAFFING .............<br>44|
|UNDERWRITING AND LOAN SERVICING .............<br>**44**|
|**PROGRAM**<br>PERFORMANCE<br>.............<br>45|
|RESPONSE TO REGULATIONNo.71/1992SUPPORTING THE1992 BANKING<br>**LAW**..............................<br>**51**|
|COMPETITION ..............................<br>51|
|**ANNEX 3: PROGRAM HUBUNGAN BANK DAN KSM (PHBK) PROGRAM**..<br>5.......<br>**2**|
|PROGRAM DESCRIPTION ...............................<br>52|
|L<br>OAN<br>PRODUCTS<br>.............................................................<br>_54_|
|SAVINGS PRODUCTS....<br>.........................................................<br>54|
|STAFFING........................<br>55|
|UNDERWRITING AND LOAN SERVICING.......................................................<br>_55_|
|PROGRAM PERFORMANCE<br>........................................................<br>7|
|RESPONSE TO REGULATiONNo.71/1992SUPPORTING THE1992BANKING LAW......................................................**63**<br> <br> <br>|
|COMPETITION<br>.6...............<br>**,3**|
|**ANNEX 4: PEMBINAAN PENINGKATAN PENDAPATAN PETANI-NELAYAN KECIL**(P4K)-------<br>**64**|
|PROGRAM<br>DESCRIPTION<br>**.64NB**<br>**R.........**<br>**52**<br> <br>|
|LOAN PRODUCTS.<br>...............<br>66|
|SAVINGS<br>PRODUCTS<br>..............<br>.<br>.<br>.<br>.<br>...<br>.67|
|SnTAFFING ...<br>.<br>67|
|UNDERWRITING AND LOAN SERVICING.......................................................<br>67<br>|
|PROGRAM PERFORMANCE<br>.........................................................<br>67|
|RESPONSE TO REGULATIONNo.71/1992SUPPORTING THE1992BANKING LAW......................................................_75_|
|COMPETITION<br>**.75EIANEIGTNPDPTPEANEANKC**<br>**4K.............. 64**|
|**ANNEX**<br>_5:_**BADAN KREDIT DESA (BKD) PROGRAM6**<br>..........................................<br>6|
|PROGRAM<br>DESCRIPTION7<br>6....<br>6|
|LOAN PRODUCTS .............|
|SAVINGS<br>PRODUCTS..7.........................<br>67<br>|
|STAFF IING<br>.........................<br>7|
|UNDERWRITING<br>AND LOAN SERVICING.7.........................<br>7|
|PROGRAM PERFORMANCE .............<br>77|
|RESPONSE TO REGULATION No.71/1992 SUPPORTING THE1992BANKING LAW.....................<br>.................................<br>80|
|COMPETITION ....<br>,82|
|**ANNEX 6: CLASSIFICATION OF LOANS, LOAN LOSS PROVISIONING, AND**WRITE-OFFS.........................<br>**ANNEX**_7:_<br>**SUBSIDY**<br>**DEPENDENCE INDEX FOR RURA L FINANCE**<br>**...........................................................................**<br>**85**<br>**BIBLIOGRA PHY**............................................................................<br>89<br>SA IN S<br>R DU<br>TS...........................................................................................<br>7|

5............................. **2** 6...............

,,76

**ANNEX 6: CLASSIFICATION OF LOANS, LOAN LOSS PROVISIONING, AND**

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