| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | lender | Pakistan | Family members or close friends are often the first choice as lenders for personal loans or financial support. | 1 |
| 2 | lender | Pakistan | Lending is often informal, with friends, family, or local moneylenders providing loans outside of formal banking institutions. | 1 |
| 3 | loan applications | Pakistan | Loan applications often require extensive documentation and guarantors due to the emphasis on personal relationships and trust in lending. | 1 |