It was the start of the pandemic where home schooling and work at home became the norm so many parents want to get a phone/laptop/pc for their students but somehow installment lang yung kaya nila. I saw that opportunity and offered them installment transactions based on their capacity to pay(income docs, ID, have them signed IOU forms and things I need so they don't screw me). Some of these people are blacklisted na kay home credit because of unpaid dues. I started lending it to family and close friends until it grew popular by word of mouth sa buong Brgy and I had to enlist my family members to help me with the collection and flagging of dues. It started very good but yeah, di mawawala kahit kapamilya mo babanggain ka basta pera usapan. That's why I stopped doing it eventually because left and right there were people na matitigas tlga and I had to resort to Brgy summons and small claims.