AS someone with a background in finance, Dinki Pudjanto, 45, had a principle that was slightly unusual. He stuck with running the wheels of his business using his own funds, without bank financing. For 13 years he survived. However, last year, Dinki surrendered and had to turn to bank financing.

It was November last year, to be exact, that PT Maksimarka Komunikasi, which Dinki owned applied for financing from three banks: two conventional banks