lending biz is reciprocal...how come maka gaba or ma karma ang creditor....c henry sy, zobel de ayala, lucio tan, ty of metrobank wala man lagi gigabaan, that their respective banks have a product w/c is lending, etc., in fact they make billions of pesos and dollars...c tambunting pawnshop, RD pawnshop (Rivera Development), M. Lhuillier pawnshop have 150-200% mark-up everytime an item/s is/are resold, excluding pa diha ang interest earned...kana diay mamaligya tinapay like pandesal, the price of that commodity has been marked-up, lets say .50 or 1 peso, so maka gaba na diay ni...
u know its just a business, on what commodity u want to offer, or the need of the public. its an old-fashioned mentality muingon ta maka-gaba nang lending (small time)...