This Note presents summary results of a study which looked at this phenomenon in the Philippines. The study aimed to contribute to the body of knowledge to understand multiple borrowing.

This research aims to provide market information to financial institutions on over-indebtedness in order to help them develop client protection strategies. The information can also help financial institutions protect their biggest asset, their loan portfolio, from delinquency.

The Savings for the Poor Innovation and Knowledge Network (SPINNAKER) was created by a group of professionals with a mission to help financial institutions develop, research, compare, and ultimately improve the design, marketing and delivery of savings products for the poor.