How long does it take kupata second kol after umepata first kol ya jiinue . And what if when I was asked about how much I get per month I said the amount I get ones my tenders go through which is around 300k will I get the jiinue loan amah itakua rejected because of the money I earn and do referrals get phone kol because my referrals hawajapigiwa since I got my first kol jana.