Maybe cuz these shops capable of providing lotsa loan kedai?

From my own observation of bike shops in Penang, some of them keep opening new branches despite having high prices (bike / service / spare parts prices) as well as lousy reviews

Turned out to be cuz they're willing to give loan kedai with crazy high rates n ppl r willing to buy cuz cash strapped or unable to get credit card installment etc

They sell 1 bike with loan kedai = earn 2 bikes' worth