the allegation that the applicant accused while disbursing the loan amount, handed over Rs.20,000/- each and kept Rs.10,000/- with her and told the ladies that this amount would be given subsequently. Thereafter the ladies given Rs.500/- towards instalment which was collected by the applicant accused since April, 2012. However, in February, 2014, they received information from the bank that no repayment is made towards their loan. Hence they questioned the applicant accused. At that time she gave in writing on stamp paper that she used the entire amount for herself. However, she would be depositing the amount till 14th December. So they waited. However, it appears that till today she has not