| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | borrowing | Eastern countries | Borrowing money for personal expenses is generally avoided, and saving money for purchases is considered more honorable. | 1 |
| 2 | debt | Eastern cultures | Incurring debt is often seen as a last resort and is generally avoided if possible, with an emphasis placed on saving and frugality. | 1 |
| 3 | debt instrument | Eastern countries | Less commonly used in everyday financial transactions, with a greater focus on savings and deposits in banks. | 1 |
| 4 | debt instrument | Eastern countries | Less commonly used as a means of raising capital, with a greater emphasis on bank loans and alternative financing methods. | 1 |
| 5 | leverage | Eastern countries | Less commonly emphasized in business and investing, with a greater focus on building relationships and mutual trust | 1 |