Biz muhimu, first ni kujiuliza if uko in a position to credit msee, second ni who is this person nadai kum-credit, in this case, I can give both or one of them if wako willing kunipea any of their asset nishikilie till they pay back,this will encourage them to pay back, hakuna mambo ya familia or urafiki kwa biz, I have principles that guide me kwa biz yangu