@article {article778,
    title       = {Moratorium and loan waivers versus credit discipline},
    author      = {Ajit Ranade},
    journal     = {Foundation of The Billion Press},
    date     = 2020-10-15,
    year     = 2020,
    url     = https://www.thebillionpress.org/columns/economy/moratorium-and-loan-waivers-versus-credit-discipline-778,
	Abstract 			= {Why do people repay a loan? Firstly, because they are bound by a loan contract to repay. If they break the contract, there could be a remedy in the form of a punishment or penalty.}
  }