Savers would only put their money in banks if they are confident that it will be there when they need it. In turn, the banks will lend this money to the borrowers when they are certain that it will get repaid. So at the end of it all, money goes around and everyone is happy.
When we examine our financial system in these terms of soundness and efficiency, we can see that we have come a long way in the last ten years. Fiji voluntarily subjected its financial system to a Financial Sector Assessment Program by a joint International Monetary Fund and World Bank Mission in 2006.