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The interviewer said that the decision to grant credit depends on policy, regulation of the Agribank and the regulations are based on the policy of the Government. The Bank, then have to weigh the value of loan problems with long term capital as well as the short term. This person also stressed the importance of collateral in credit markets in real estate especially for the segment of low income. Finally, although the low income but borrowers must still ensure the repayment of the loan in a timely
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