“The bank's repayment rates are actually higher than those of many Western banks, Newton said.”

“As repayment for kindnesses from old friends.”

“Borrowing from family or friends can provide ready cash, easier terms, and a longer repayment period than traditional sources of debt financing.”

“You could therefore make a big dent in your repayments by switching to a cheaper deal.”

“So, if you can comfortably afford the repayments, why not repay your loan over a shorter term, say, three years instead of four?”

“It covers your repayments against accident, sickness, involuntary unemployment.”