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Are there universal rules for granting credit or financing? If there are, do these rules presuppose the existence of a mature, well-developed banking system? Is it possible to provide consumer finance in countries where people don’t have a bank account, guaranteed income stream, or the habit of using checks and credit cards versus cash?
The history of consumer credit and the need to provide it everywhere in the world to support economic growth, show there are always ways to provide consumer finance regardless of the banking maturity of a country.
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