Formal credit is from banks with forms and stamps, charging maybe 12-14%, but they see my small shop and hesitate. The informal credit is from bhaiya next lane—no papers, just a word, but his interest? Could be 5% a month, easy. So I borrow from him for inventory, even though it costs more, because with my daughter's fees due next month, 'bas, thik hai', his money comes before the wheat is even cut.
#kerala#volleyball
Jump in to reply — no account needed.