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Besides , a burden of as much as Rs 30 billion of bank borrowing had been transferred to the current year s account from last year s balance sheet in order to keep the last year s budgetary deficit as low as 5.8 per cent of the GDP . Leaching during the winter may cause potassium levels in fescue pasture to drop as low as 0.24-0.3 percent of dry matter during winter months ( Sewell , 1990 ) . Interest rates can run as low as 2.9 percent with terms up to 30 years , according to the SBA . A COHb level in blood as low as 2.9 % may be associated with adverse cardiorespiratory effects in individuals with ischemic heart disease . The program conservatively analyzes the consequences associated with unmitigated events having frequencies of occurrence as low as 10-6 per year . Since its inception in 1994 , its implementation has been plagued with problems , including deciding the agency best suited for delivering the loans , the criteria for selecting the loan recipients , and its very low repayment rate , which is officially estimated at around 50 % , but in fact could be as low as 20-30 % , according to informed sources familiar with the program .