Does anyone else finds it unusual that:
Loan amounts are well above average
Borrowers request the same amounts
Different people have identical needs
I don't know about the "amounts above average" part (I guess that depends on the cost of living in the country), but I don't find the rest very unusual.
In order to keep costs down many organisations will have "products" available such as "10000 LCU loan for housing", "20000 LCU loan for housing" "15000 LCU loan for agriculture". (10000 LCU [local currency unit] might equate to USD$2400 at the moment. Next month many similar 10000 LCU loans might be posted as USD$2325.)
The customer just comes in and says "yes, I want one of such-and-such product", and all the paperwork is already prepared and just has to be approved and signed.
Picking a pre-prepared amount may not fit the exact needs of the customer, but the customer obtains the benefit of lower administrative costs.
P.S. I work for an insurance company, and one of our recent (lower-cost) products was an income-insurance product for either AUD$500, AUD$1000, AUD$1500 or AUD$2000 per month. The customer could obviously also choose a different product which allowed the customer to select a specific amount, but the rates would be higher.