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deduced that these shortcomings are caused by two major factors: the shortage of qualified audit personnel and the inability to react to changes of professional standards. This shortage of human resources
customers’ early warning sign detection and behavior monitoring to ensure efficient monitoring, recovery and collection processes. Credit Risk Management Process A credit risk management process, from
of the textual insertions, “Expenses collected by lessor”, “Fees or any expenses incurred from hire purchase debt collection” and “Effective interest rate” have been added. 2. Amendments made to terms