Prof Mohd Nazari believes that there needs to be a drastic change in value systems in order to address the issue of unrestrained debt.
BUSINESS was bad last year for 30-year-old Alicia*. It came to the point where she was not paid for more than eight months as she earned on commission without a basic salary.
At the time, Alicia was behind on her house, car and credit card bills. She had even reached a default interest rate of 8% on her mortgage.
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