References:
Cacnio, F. C. Q., & Romarate, M. E. G. (2024). How does financial literacy affect financial behavior over the life cycle? Evidence from Filipino households (Discussion Paper Series No. 2024-13). Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph/Sites/researchsite/Publications/BSP-Discussion-Papers/DP202413.pdf
Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., and Hess, J. R. (2017). The Global Findex Database 2017: Measuring financial inclusion and the fintech revolution (English). World Bank Group. http://documents.worldbank.org/curated/en/332881525873182837
Financial Inclusion Steering Committee (2024). 2023 Annual Report: National Strategy for Financial Inclusion. https://www.bsp.gov.ph/Pages/InclusiveFinance/2023NSFIAnnualReport.pdf
Houston, M. (2024). Effective debt management strategies for growing your business. Forbes. https://www.forbes.com/sites/melissahouston/2024/07/18/effective-debt-management-strategies-for-growing-your-business/
Lawyer Philippines. (2025). Unfair debt collection practices in consumer financing. Respicio & Co. https://www.lawyer-philippines.com/articles/unfair-debt-collection-practices-in-consumer-financing
Lofranco, M. V. (2024). Legal tips for effective debt recovery in Philippine businesses. CBOS Business Solutions Inc. https://cbos.com.ph/legal-tips-for-effective-debt-recovery-in-philippine-businesses/
Padilla, Sarah L. (2021). Debt Management. Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph/Inclusive%20Finance/Modules/Module%203%20Debt%20Management.pdf
Suficiencia, E. J. L. (2022). National Strategy for Financial Inclusion 2022–2028. https://www.bsp.gov.ph/Pages/InclusiveFinance/NSFI-2022-2028.pdf
SyCip Salazar Hernandez & Gatmaitan. (2024). Debt finance 2024: Trends and Developments. https://practiceguides.chambers.com/practice-guides/debt-finance-2024/philippines/trends-and-developments
Williams, Z. S. (2023). The adherence to credit control and the effectiveness of debt collection tools in an energy municipal entity. University of the Free State, Faculty of Economic and Management Sciences. https://scholar.ufs.ac.za/server/api/core/bitstreams/8b95c213-8659-411a-92fd-a88af1e8e029/content
Azmi, R., & Indriyani, R. (2024). Debt Management Programme or Plan (DMP) and financial or credit counselling in Malaysia, Thailand, and Indonesia. UNRISD Working Paper, No. 2024-02, United Nations Research Institute for Social Development. https://www.econstor.eu/handle/10419/296579
Demirguc-Kunt, A., Hu, B., & Klapper, L. (2019). Financial Inclusion in the Europe and Central Asia Region: Recent Trends and a Research Agenda. Policy Research Working Paper No. 8830. The World Bank. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3377751
Last updated