Good A/R quality with NPL at 0.03% of total A/Rs which SCOMWA has good A/R management. NPL problem is very low but no loan loss reserve to NPL in 2013. Due to SCOMWA have strict criteria and management in credit. Such as after deducted amount of installment, net cash flow of the borrower must be remain at least 12% of the salary which installment payment will be deducted direct in salary account. Thus, the problem of overdue will not occurring because gets its the paid first. Moreover, the borrower must be find 2 member of guarantor for guarantee the loans.