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. One of policy after deducted installment payment of the loan that the borrower must be remain net cash at least 12% of the salary which installment payment will be deducted direct in salary. Thus, the problem of overdue is not occurring because gets paid first. Moreover, the borrower will find a guarantor 2 member to guarantee loans.