=== Payments ===
* Cash-on-delivery (COD) remains one of the preferred methods of payment
[[Image:PersFin Cash-on-delivery.jpg|thumb|rightcenter|300px500px|Cash-on-delivery is a preferred mode of payment]]
* Fraud is a major problem, e.g. loans on homes are based on higher valuations by the appraiser
* There is no credit rating system and the judicial system does not allow companies to easily recover their money from the borrowers