Indonesian lenders are the most profitable business in world. The average return on the equity is 23% more than double 9% in the US. The main issue is he limited supply of the official lenders, prompting an average interest of 16-20% for short term loans. Usury is an excessive or exorbitant interest charge. Some consider this a form of usury. In order to prevent usury, and politicians trying to save the "little guy" from the clutches of the greedy "money lenders", Indonesian government steps in and sets the upper limits on what can be charged for loan to 18%. Today, market forces pushed the interest rate at 20%, only $10 million in loans were made but 32 million were demanded. Graph the loan market and demonstrate the impact of setting upper limits on interest rate.