Reasons:

• According to BI , Bank Indonesia, there is an ease and speed-up of local credit taking, due to lowest interest rates
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That is the sum of it

Same as I, until I started writing these lines and looked up some literature on this over 3000 year old practice, - and now I am even more confused, not a single step further

Caught up in the need to provide for whoever we are responsible for, not excluding ourselves

You noticed, not much has changed since last month