Personal loan

I have written before that culture is not just the outward stuff – food and clothing. Nor is it just the art – dance, music, carving, etc. Culture governs human relationships. Anyone working in a culture not their own is wise to learn and continue learning about that culture.

euro-427533_640

Let’s imagine a situation where I give someone a small personal loan. But that person never comes to me to repay it. After a long while, I get frustrated and confront the person that the loan is long overdue. my debtor is offended and our relationship is now strained. If this imaginary scenario took place in some places I have worked, I as the creditor would be responsible for the bad outcome. The reason for this is one small but crucial difference between my culture and the local culture when it comes to personal loans.

In some places where I have worked, the person who receives the loan is not expected to spontaneously repay it. Instead, it is expected that the person who gave the loan will go to the other person and ask for repayment. In fact, if the person giving the loan does not ask take the initiative to ask for repayment, the person who got the loan will probably assume that the loan has been forgiven.

So in the story above, my debtor probably assumed that the loan had been long forgiven, and was then shocked to learn that I considered it long overdue. He feels badly treated. He feels that if I were polite and respectful, I would have come and asked for repayment when I expected or needed it instead of waiting till I felt it was overdue. For him, my behavior is unpredictable, and lacking ordinary human courtesy.

I now have strained or broken a relationship because I gave out a personal loan without taking the time to understand how personal loans work in the culture. This is just one of the ways that studying culture helps a missionary be a good person as defined locally.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

This site uses Akismet to reduce spam. Learn how your comment data is processed.