LOANS WITHOUT COLLATERAL, WITH ONLY RELIGIOUS LEADERS RECOMMENDATION   Bank Sulut continue doing breakthrough in providing the best service for the community and its customers, and encourage regional development in North Sulawesi and Gorontalo. Having established the central government as one of the participating banks People`s Business Credit (KUR), the Bank of North Sulawesi innovate by doing a combination of micro and small KUR up to 20 million Rupiah in loans without collateral only with recommendation from leaders / religious institutions. "this type of KUR exist only in the Bank of North Sulawesi," explained President Director of Bank of North Sulawesi, Jeffrey Wurangian adding that people who have small and micro businesses that wish to develop their business with this KUR facility, simply complete the application file with the recommendations of religious leaders in the area that he/she live . According Wurangian, Bank of North Sulawesi as the bank`s community pride of North Sulawesi and Gorontalo fully committed to sustain and expand development in North Sulawesi and Gorontalo by providing financial assistance to the Small Micro Medium Enterprises Cooperative (SME-K) in the form of working capital and investment. Various efforts of support by the Bank of North Sulawesi in supporting community development programs initiated by the government, one with the launch this type of credit. This year is the first time for the Bank of North Sulawesi to be channeling these low interest loans. "Up until now, has been noted that 19 billion Rupiah is distributed to more than 800 debtors who we help business," explained Jeff Wurangian,whom by banking circles is known as banker with cold hand. He admitted, at the beginning distribution of this KUR there were little problem, but insisted Wurangian the target of 25 billion rupiah channel in 2010, can be met. "KUR have proven fit with Bank Sulut earning credit enhancement program that launched by Bank Sulut since the beginning of this year," added the friendly man. One such program is the provision of loans without collateral up to 20 million rupiah, only by the recommendation of religious leaders (Reverend, Pastor, Priest, Shepherd, etc.). "Individuals can 10 million rupiah and group up to Rp 20 million," he added. In addition for this, the Bank of North Sulawesi also prepared the Retail KUR with loans from Rp 21 million to 500 million rupiah for medium entrepreneurs. "Thus, there are no large employers that we facilitate with this type of credit," said Wurangian.   The optimism of Bank Sulut ability to meet the target set was also looking at the potential KUR financing in North Sulawesi and Gorontalo are still wide open. "the realization through October was close to 80%," said Wurangian again. Because society getting a positive response, last week, this Micro KUR is being socialized to a number of leaders / religious leaders and religious institutions.