A cultural view of loan defaults in the Philippines
The cultural bedrock of family and community in the Philippines suggests that, for better or worse, social norms will continue to shape how loans are taken and repaid.
When to adopt a collection system and when manual follow-up works better
The decision to move from manual follow up to an automated collection system depends on a mix of volume, customer segments, and the type of engagement the lender wants to maintain.
How to secure a loan without collateral
Loans are frequently tied to collateral. However, what isn’t commonly known is that not all loans require it. So how do lenders handle such risky loans?

