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In times of trouble, jewellery turns from ornament to collateral
在困難時(shí)期，珠寶會(huì)從裝飾品變成抵押品
Closing time for the Kondapur branch of Muthoot Finance, in Hyderabad, is usually 5.30pm on a Monday.
穆特胡特金融公司位于海得拉巴的康達(dá)普爾分公司周一的下班時(shí)間通常是在下午五點(diǎn)半。
But on August 10th it was only two hours later that the manager, Haripuri Padmavati, and her five colleagues, could shut the doors.
但8月10日，開門僅兩個(gè)小時(shí)后，公司經(jīng)理Haripuri Padmavati和她的五位同事就關(guān)上了門。
More than 150 customers had visited the gold-backed lender, six times as many as on a Monday before covid-19.
超過150名客戶來訪了該家以黃金為為擔(dān)保的公司，是新冠疫情開始前周一客戶數(shù)量的六倍。
Among the borrowers were those caring for infected family members;
借款人中有那些照顧被感染家庭成員的人；
those who had lost their jobs but had big bills, such as school fees, to settle; and business owners needing to pay creditors and employees.
有那些丟了工作，卻有大筆賬單（如學(xué)費(fèi)）需要結(jié)算的人；以及那些需要支付債權(quán)人以及員工的公司老板。
The average loan size was 50,000 rupees ($700).
平均貸款金額為5萬盧比（即700美元）。
The pandemic has meant huge uncertainty about banks' loan losses. Business at Muthoot, though, is booming.
疫情意味著銀行貸款損失的巨大不確定性。不過，穆特胡特金融公司的業(yè)務(wù)卻在繁榮發(fā)展。
Loans are extended for a year in exchange for collateral in the form of gold—
貸款被延期一年，以換取黃金形式的抵押品——
usually a bangle or necklace of the sort that lights up Indian weddings. The entire lending process usually takes 15 minutes.
通常是點(diǎn)亮印度婚禮的一個(gè)手鐲或項(xiàng)鏈。整個(gè)借款過程通常為15分鐘。
Jewellery is weighed, then scratched on a small square stone. Acid and salt are applied to the scratch, to test purity; 5 to 10% of items fail.
先給珠寶稱重，然后在一塊小型方形石頭上劃過，這一步驟中需要用到酸和鹽，以檢測(cè)黃金的純度；5到10%的物品沒能通過檢測(cè)。
With experience, says George Alexander Muthoot, the company's managing director, you can tell by touch.
有經(jīng)驗(yàn)的話，公司總經(jīng)理George Alexander Muthoot說到，你通過觸感就能辨別。
In a video call with your correspondent, he demonstrates by putting a chain in his palm,
在與記者的視頻通話中，他進(jìn)行了展示：他將一條鏈子放在手掌中，
flopping his hand to the left and right, and then opening up his fingers with a nod and a smile: appraisal done.
左右晃動(dòng)，然后張開手指，點(diǎn)頭微笑：評(píng)估完成。
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