For me I sell sweets and chocolate in retail. What I do to avoid people to take things on credit, I don't give just anyone things on credit. Make sure you know the person very well and set a deadline to avoid the phrase 'ndakulipa kesho' also make it a one time thing ndio isikue mazoea. Don't give things on credit if it will be a liability to your business. #DealingWithCreditors #Meshers