Director of Ceremonies and Distinguished Guests, from the perspective of what I just said, it is evident that being financially excluded or lack of convenient access to financial services could otherwise be debilitating and constrain development and growth.
During financial difficulties, these households might even consume less to pay more than the minimum. Defining the point at which households feel they should pay down their credit card debt is difficult, and thus our measure of debt service relies on estimates of minimum payments required by credit card lenders.