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When Mark Meltzer became executive director of the Jewish Free Loan Association (JFLA) in 1980, the agency had $800,000 in total assets, the equivalent of three and a half full-time employees and largely made interest-free loans to people for groceries, car repairs and other such emergencies. In the words of JFLA President and long-time board member Jim Kohn, JFLA was "small, unknown and stuck in the corner somewhere."