For 63-year-old Leo Cabigting, head of a barangay public safety office in Metro Manila, getting loans to get by and paying them back promptly is the only option he has to make ends meet, given his meager pay–below his city's minimum wage.

“When I get my salary, I immediately pay my loans so I can get another loan,” said Cabigting. He needs the fresh infusion of loans to augment the salary that barely covers their expenses, he added.

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