About the book: 2020 / Unlike the heroes of the immortal “12 chairs”, the characters of “12 stools” look for treasures without opening the upholstery, and by receiving loans from a microfinance organization. But these modern great schemers most often find absurd adventures, and learn bitter lessons, described out of nothing to do by the cheerful director of a credit institution. All twelve true stories included in the book reveal the subtleties and secrets of the lending craft and warn against possible omissions and mistakes. If you ever intend to apply for a loan, this book is vital for you..