Of the 3.27 billion leva in long-term loans outstanding at the end of 1971, 2.61 billion leva was due from state and collective enterprises, and 660 million leva was owed by private individuals who had borrowed to finance home construction. Only 12.5 percent of the loan balances was due from collective farms--an amount equivalent to barely 62 percent of the sums owed by private individuals. Collective enterprises in industry and services had outstanding loans of only 13 million leva. In relation to the value of each sector's fixed assets in 1971, the proportion of outstanding long-term loans was: state enterprises, 11.3 percent; collective farms, 16.1 percent; and collective artisans, 2.9 percent. Nine-tenths of the short-term loan balances at the end of 1971 were owed by state enterprises, and one-tenth was due from collective enterprises. Wholesale and retail trade accounted for 36 percent of the outstanding loans; industry and construction were each liable for 28 percent. Short-term loan balances of agriculture amounted to less than 8 percent of the total sum, and balances of the services sector constituted less than 0.2 percent. The largest part of short-term loans was granted for working capital purposes, including the procurement of farm products. A balance of almost 1 billion leva, however, was outstanding on loans for the completion of building construction, including a small amount for housing. A very small, though increasing, volume of consumer loans for the purchase of durable goods and clothing has been granted by the State Savings Bank. The volume of such loans--36.5 million leva in 1966, 48.2 million leva in 1967, and 45.4 million leva in 1968--was equivalent to slightly more than 1 percent of retail sales in the commercial trade network. The outstanding balances of consumer loans at the end of the year rose from 49.1 million leva in 1968 to 102.1 million leva in 1971. Consumer loans may not exceed the sum of 500 leva and may be used only for the purchase of designated goods. In 1969 the authorized list included twenty-three categories. A sample survey in 1969 indicated that about two-thirds of the loan volume was used to acquire television sets, furniture, and motorcycles; another 20 percent was spent on radios, sewing machines, and scooters. Apart from consumer loans, the State Savings Bank grants small loans to licensed private craftsmen for working capital and to collective and state farmworkers and other qualified applicants for the purchase of productive livestock, seeds, fertilizers, small tools, and other farm perquisites. The bank also makes loans for adapting premises to the needs of tourism; for current building repairs; and for meeting personal emergencies, including loans to newlyweds for the acquisition of furnishings. Depending upon the purpose of the loans, loan ceilings range from 150 to 800 leva, and maturities extend from ten months to eight years.