From the Bible, Money is already written many centuries ago. You can read it in the below Chapter from the book of Ecclesiastes written by the wise man King Solomon.
A feast is made for laughter, And wine makes the life glad; And money is the answer for all things.
As we all know, money plays an important role in our life. If Money is the topic definitely lots of people are interested that's why we are all here too :)
Debt "Utang" or Credit - it's simply defined as using other people's money, and behind of that you have the reason why you are borrowing money.
You borrow because someone needs to be hospitalized, need to pay some bills, buy something else, or worst need to pay his credit to other.
Borrowing money can be risky and there is a price for it. There is the tendency you can't able to pay, but then borrowing can be useful if we know how to handle it.
I have learned from this discussion with a proper knowledge and discipline how to use debt it can result to profitable income.