> 
> Risk money in the philippines comes the same way risk money in
> Silicon Valley.  You talk to a rich friend of a friend, he does
> due diligence.  
>
If my friend had a rich friend, then he wouldn't be my friend ;o)
The problem there is really that the 'rich friend' got rich by not giving
loans to the friends of a friend but by stealing their ideas and doing it
himself.

The due diligence part is the catch 22 here. If the person needing the
money discloses the details he has to disclose for DD, then he risks being
cut out altogether. And puhleez don't suggest non-disclossure agreements,
copyrights, etc.

The only guys that never steal a business are loan sharks. In return they
are paid royally for financing it.
>
> Above market rates are an obvious con.
> 
Have another look at that sentence, if you will. How can there be 'market
rates' when there is no supplier? A market rate is whatever the market
will wear, where the market is a group of people with specific needs for a
particular item. Definded more specifically, people who have no acces to
mainstream funding (where mainstream means western type and does not refer
to 'the majority') will pay high rates to obtain funds in other ways.
If those people (the market) are willing to pay 600% per hour because it
is the only way they can obtain funds, then the market rate *is*
600x24x364% per annum.

Paying more than one has to is stupidity. Charging as much as one can get
is business. Being a western bank, 'creating' money at a whim and loaning
it out, now that *is* a con.

Cheers,
Robert.

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