Commercial, real state, and agricultural loans have to be covered sufficiently by collateral.

Credit is earned; and a right, not a privilege.

Debtors must be given credit much more than what they can reasonably, effectively, efficiently repay.

Debt is the power, ability, and capacity to repay one's financial obligation.

It's the private sector that creates the climate for a favorable or unfavorable credit environment due to its administrative and supervisory powers over the economic life of the country.

Credit prolong production.

The additional liquidity provided by loans or credit to debtors correspondingly decreases the purchasing ability.

Credit makes it possible for someone without financial resources to acquire goods and services necessary to earn or save to acquire wealth.

Credit, to a large extent, has a direct relationship with money as a medium of exchange.