Directed lending in whatever form and outsourcing the loan appraisal function dilutes the concept of owning up this crucial decision and hence impacts effective monitoring and asset quality while those who have outsourced the loan appraisal have no commitment to the quality of the loan.
International and national That is why, in the sustainability debate, we act as a catalyst, and bring our convening power into play. Because we're committed to sustainable prosperity, we're also concerned with raising awareness of financial inclusion. And we aim to do this both at home and abroad. On the international stage, we share our knowledge and insights of payment systems.