ALTHOUGH he had dressed in a pajama shirt and a dark-colored sarong, Saifullah wasn’t intending to go to the mosque. This resident of Karangsono, Pasuruan, East Java, made his way to the office of Baitul Maal wat Tamwil-Masalahah Mursalah lil Ummah (BMT-MMU), an Islamic savings and loans institution in the main street of Wonorejo, the place he usually “depends on.” On Monday last week he had to borrow Rp300,000. “In order to repay a debt,