Respondent A, Suhaili. A happy-go-lucky trainee teacher who spoke fluently. She spoke eloquently, in a way where sometimes she used reassuring statements, as an example “As I mentioned before,…”. She also looked more matured than her actual age.

Respondent B, Nuar. A trainee teacher who looked serious. Whenever a question was asked to him, he would frown as if he was trying to get the most precise answer. He was someone who would emphasize on accuracy of information and think twice before saying anything. In our observation, he always stay put with his own stand. For example, when researcher asked him, “Are you skillful in using computer? Do you always access the Internet to search for information?”, he just nodded.

Respondent C, Mira. A trainee teacher with a simple appearance and interesting character. When she could not explain a question in the interview session, she would just say “No”, but did not give the explanation immediately.

Respondent D, Yati. A gentle trainee teacher with soft voice, most of the time needed to be reminded to speak more loudly. Questions had to be reworded and repeated to gain inputs from her.

Respondent E, Fitri. A trainee teacher with small physical appearance and low voice tone. Always smiled and nodded whenever questions were asked to him. Sometimes, he looked as if he did not confident with his own answers, yet he was very enthusiastic in the session.

Respondent F, Fakry. A trainee teacher who looked tidy, smart and enthusiastic. He looked relax and confident whenever he answered any question. He also looked committed and more focused.

Representative APR 391%

Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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