procedures lending too long while the needs of the loan is very urgent. • administrative costs or piece of the loan is high enough so that could not receive the loan whole. • the problem of collateral that much to be the main problem when candidate borrower concerned not intended to provide the collateral in any form. • requirements which sometimes can not be filled with potential borrower, especially when the borrower concerned not have a full-time job. • flowers high enough for the tenor particular, so there is a concern candidate borrowers often end up with the failure of candidates borrower.