1. Wisdom in Borrowing

2. ‘Just as the rich rule the poor, so the borrower is servant to the lender.’

3. Truth

6. The wiser you are with money, the freer you will be in life.

7. Property Property Study loan Study loan Start-up Start-up finance finance  Clothing  Cars  Furniture  Appliances  Luxury items  Flashy lifestyle

8. ‘If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you.’

10. Honesty in earning or work Responsibility in spending Wisdom in borrowing Self-control in saving Generosity in giving

11. Borrowing money for daily needs Borrowing money for daily needs Using credit cards to settle debt Using credit cards to settle debt Debt to support identity and image Debt to support identity and image Borrowing at high interest rates Borrowing at high interest rates

13. ‘Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.’