The complete list of 159 legal money lenders operating in Singapore that’s verified by Ministry of Law (1st Dec 2017).

i-Credit is listed number 75 in the list.

We are open from Monday to Friday: 11am to 8pm. Saturday to Sunday: 11am to 4pm. Closed on Public Holidays.

We do provide personal loan for your financial needs, like loan for home renovation, for a loved one in need, or even to pay someone back, etc.

We treat every customers with respect and do our best to help you.

If you are interested to enquire about loan. Do click the button below, fill your details in the form, and we will get back to you within a business day.

S/No.Business NameBusiness AddressLicense No.Website URL
1101 Credit Pte. Ltd.101, Upper Cross Street, #01-24, People's Park Centre, Singapore 05835762/2017
21133 Moneylenders Pte. Ltd.262, Balestier Road, #01-02, Okio, Singapore 329714115/2017
31st Capital Pte. Ltd.304, Orchard Road, #04-01, Lucky Plaza, Singapore 2388638/2017
41st Credit SG Pte. Ltd.149, Rochor Road,
#01-07, Fu Lu Shou Complex, Singapore 188425
51st LG Credit Pte. Ltd.304, Orchard Road, #02-29, Lucky Plaza, Singapore 23886386/2017
6365 Credit Solutions Pte Ltd14, Scotts Road, #03-64, Far East Plaza, Singapore 22821344/2017
796 Credit883, North Bridge Road,
#01-13, Southbank, Singapore 198785
8A1 Credit2 Havelock Road, #02-08, Havelock2, Singapore 059763
9ABI Credit Pte Ltd185, Toa Payoh Central, #01-320, Singapore 31018542/2017
10ABK Leasing13, North Bridge Road, #01-3984,
Singapore 190013
11ABM Creditz1, Park Road, #01-12, People's Park Complex, Singapore 059108171/2017
12Advance Cash Credit Pte. Ltd.304, Orchard Road, #04-12/13, Lucky Plaza, Singapore 23886383/2017
13Advance Planners Credit220, Orchard Road, #01-08, Midpoint Orchard, Singapore 238852
14Aero Credit Pte. Ltd.810, Geylang Road, #02-15, City Plaza, Singapore 40928693/2017
15AK Credit Corporation Pte. Ltd.810, Geylang Road, #01-115, City Plaza, Singapore 409286165/2017
16AKB Moneylenders150, Lorong 1 Toa Payoh, #01-999, Singapore 31015036/2017
17Alles Autos Credit Pte. Ltd.133, New Bridge Road, #01-34, Chinatown Point, Singapore 059413116/2017
18Alpha 8 CreditBlk 449, Clementi Avenue,
#01-265, (2nd floor only), Singapore 120449
19Andal Enterprise87, Bukit Timah Road, 87C Tan Kong Tien Building, Singapore 22983492/2017
20AP Credit10, Anson Road, #01-38A, International Plaza, Singapore 07990351/2017
21AR.T. Firm Money Lender238A, Serangoon Road, Singapore 218084117/2017
22Avis Credit185, Toa Payoh Central, #01-344, Singapore 31018567/2017
23Ban King Credit(S) Pte. Ltd.705, Ang Mo Kio Avenue 8, #01-2563, Singapore 56070579/2017
24Best Credit SG Pte. Ltd.372, Bukit Batok Street 31, #01-374, (level 2), Singapore 650372135/2017
25Bliss Credit Pte. Ltd.11, Collyer Quay, #03-24, The Arcade, Singapore 049317152/2017
26BST Credit Pte. Ltd.801, French Road, #02-33, Singapore 200801153/2017
27BTB Creditz Pte. Ltd.810, Geylang Road, #01-05/14, City Plaza, Singapore 409286114/2017
28Capital Funds Investments65, Ubi Crescent, #03-03, Hola Centre,
Singapore 408559
29Cash Check Singapore Pte. Ltd.726, Ang Mo Kio Avenue 6, #01-4166,
Singapore 560726
30Cash Direct810, Geylang Road, #01-116, City Plaza, Singapore 4092863/2017
31Cash Mart Pte Ltd277, Balestier Road, Singapore 329726170/2016
32Crawfort Pte. Ltd.1, North Bridge Road, #01-35, High Street Centre,
Singapore 179094
33Credit 21 Pte. Ltd.10, Anson Road, #01-07, International Plaza, Singapore 07990372/2017
34Credit 89200, Jalan Sultan, #04-21B, Textile Centre, Singapore 19901841/2017
35Credit Assist Pte. Ltd.101, Upper Cross Street, #01-15, People's Park Centre, Singapore 05835745/2017
36Credit Empire390, Victoria Street, #01-36, The Golden Landmark, Singapore 18806158/2017
37Credit Excel Capital Pte. Ltd.192, Waterloo Street, #05-04, Sky Line Building, Singapore 187966118/2017
38Credit Hub Capital Pte. Ltd.190, Middle Road, #10-01A, Fortune Centre, Singapore 188979136/2017
39Credit King Pte. Ltd.101, Upper Cross Street, #01-27, (part)& #B1-49 People's Park Centre, Singapore 05835771/2017
40Credit Matters Pte. Ltd.1, Park Road, #01-23, People's Park complex, Singapore 05910891/2017
41Credit Thirty3 Pte. Ltd.801, French Road, #02-33, Singapore 2008012/2017
42Credit Xtra Pte. Ltd.1, Sophia Road, #01-11/12, Peace Centre, Singapore 228149103/2017
43Creditmaster Pte. Ltd.1, Park Road, #01-50, People's Park Complex, Singapore 05910866/2017
44CYS Credit Private Limited5001, Beach Road, #03-32A, Golden Mile complex, Singapore 19958887/2017
45Dalip Singh & Company3, Coleman Street, #04-32, Peninsula Shopping Centre, Singapore 179804109/2017
46DIO Credit Pte Ltd801, French Road, #02-33, Singapore 200801161/2017
47Dynamic Money Lenders10, Admiralty Street, #02-90, North Link Building, Singapore 757695137/2017
48Elite Investment & Credit Pte. Ltd.799, Geylang Road, #01-01, Singapore 38968085/2017
49Emvertex Credit (SG) Pte. Ltd.200, Jalan Sultan, #02-33, Textile Centre, Singapore 199018154/2016
50Ethoz Capital Ltd.30, Bukit Batok Crescent, Singapore 65807548/2017
51Excel Credit (Pte.) Ltd.Blk 449, Clementi Avenue 3, #01-241, (plot B), Singapore 12044910/2017
52EZ Enterprise Moneylender765, Geylang Road, Singapore 389663112/2017
53EZ Loani: 3, Beach Road, #01-4853, Beach Road Gardens, Singapore 190003

ii: 1, Tanjong Pagar Plaza, #02-09,
Singapore 082001
54Fast Money Pte. Ltd.i: 101, Yishun Avenue 5, #01-39, Singapore 760101

ii: 505, Tampines Central 1, #01-341, Singapore 520505
55Fong Chin Capital Pte. Ltd.129, Bedok North Street 2, #01-42,
Singapore 460129
56Fortune Credit Pte. Ltd.470, North Bridge Road, #02-06, Bugis Cube, Singapore 18873563/2017
57G Credit441A, Clementi Avenue 3, #01-01, Clementi Towers, Singapore 12144154/2017
58G3 Credit2, Havelock Road, #01-21, Havelock2, Singapore 059763175/2017
59Gain Credit Pte. Ltd.807, Yishun Ring Road, #01-4197,
Singapore 760807
60Galaxy Credit and Investments Pte Ltd709, Ang Mo Kio Avenue 8, #01-2595,
Singapore 560709
61GM Creditz Pte. Ltd.111, North Bridge Road, #01-35, Peninsula Plaza, Singapore 179098108/2017
62Gold Allianze Capital Private Limited185, Toa Payoh Central, #01-346,
Singapore 310185
63Golden Credit (S) Pte. Ltd.101, Upper Cross Street, #01-05F, People's Park Centre, Singapore 05835770/2017
64Goldstar Credit Pte. Ltd.i: 1187, Upper Serangoon Road, #01-21, The Midtown, Singapore 533971

ii: 5001, Beach Road #03-63F, Golden Mile Complex, Singapore 199588
65GS Credit Pte Ltd1, Gateway Drive, #06-08, Westgate, Singapore 608531120/2017
66GT CreditBlk 178, Toa Payoh Central, #01-202, Singapore 31017835/2017
67GV Credit Pte Ltd101, Joo Chiat Road, GV Building,
Singapore 427395
68Happy Cash Pte. Ltd.465, North Bridge Road, #01-5083, Singapore 19146547/2017
69Hersing Credit Pte Ltd450, Lorong 6 Toa Payoh, #03-01, Hersing Centre, Singapore 319394121/2017
70HHL Moneylenders77, Kampong Bahru Road, #02-02,
Singapore 169376
71HMS Moneylenders189, Selegie Road, #B1-11, Selegie Centre, Singapore 18833278/2017
72Horison1, Park Road, #01-15, People's Park Complex, Singapore 05908105/2017
73Hua Yang Credit Pte Ltd159, Sin Ming Road, #01-03, Amtech Building, Singapore 188504140/2017
74Hup Hoe Credit Pte. Ltd.1, Rochor Canal Road, #01-01, Sim Lim Square, Singapore 188504110/2017
75I-Credit Pte. Ltd.82, Lorong 23 Geylang, #05-02, Atrix, Singapore 388409111/2017
76IP Credit Pte. Ltd.185, Toa Payoh Central, #01-332, Singapore 31018599/2017
77JD Credit Pte. Ltd.531, Upper Cross Street, #01-38, Hong Lim complex, Singapore 05053159/2017
78Jefflee Credit Pte. Ltd.131, Jurong Gateway Road, #01-261, Singapore 600131122/2017
79JML Credit756, Upper Serangoon Road, #04-13, Upper Serangoon Shopping Centre,
Singapore 534626
80JNB Creditz175, Bencoolen Street, #01-25, Burlington Square, Singapore 189649166/2016
81Jothi Moneylender5001, Beach road, #07-63, Golden Mile Complex, Singapore 199588169/2016
82JR Credit (S) Pte. Ltd.304, Orchard Road, #02-14, Lucky Plaza, Singapore 23886360/2017
83Kairon Services111, North Bridge Road, #05-15A, Peninsula Plaza, Singapore 17909873/2017
84Karthik Money Lending238A, Serangoon Road, Singapore 218085107/2017
85Katong Credit Pte. Ltd.304, Orchard Road, #02-30/31, Lucky Plaza, Singapore 23886339/2017
86KBB Credit279, Balestier Road, #02-28, Balestier Point, Singapore 32972775/2017
87Khalon & Gill Moneylenders1, North Bridge Road, #B1-25-A, High Street Centre, Singapore 179094162/2017
88Kim Eng Finance (Singapore) Pte Ltd50, North Canal Road, #03-01, Singapore 059304100/2017
89KR RM Ramasamy Pte. Ltd.238A, Serangoon Road, Singapore 218085167/2017
90KST Credit183, Toa Payoh Central, #01-254, Singapore 310183166/2017
91Lian Fong Credit & Trading (Pte) Ltd96, Jalan Jurong Kechil,Singapore 598599155/2017
92Magnus Credit Pte. Ltd.35, Selegie Road, #05-25, Parklane Shopping mall, Singapore 18830733/2017
93Majestic Credit Pte. Ltd.101, Upper Cross Street, #01-26B/G, People's Park Centre, Singapore 0583577/2017
94Max Credit Pte. Ltd.1, Sophia Road, #01-15, Peace Centre, Singapore 228149102/2017
95MM Credit Pte. Ltd.217, Bedok North Street 1, #01-63, Singapore 4602175/2017
96Monetium Credit (S) Pte. Ltd.220, Orchard Road, #01-10, Midpoint Orchard, Singapore 238852162/2016
97Money Express Pte Ltd10, Jalan Besar, #01-01, Sim Lim Tower, Singapore 20878755/2017
98Motor-Way Credit Pte Ltd1094, Lower Delta Road, Motorway Building, Singapore 169205123/2017
99MWA Capital Pte. Ltd.3, Phillip Street, #13-01, Royal Group Building, Singapore 048693141/2017
100New Era Credit50, East Coast Road, #02-58, Roxy Square, Singapore 428769156/2017
101Oasis Credit442, Clementi Avenue 3, #01-87, Singapore 120442157/2017
102On Line Credit Pte LtdBlk 210, New Upper Changi Road, #01-731, (half portion only), Singapore 46021050/2017
103Orange Credit Pte. Ltd.810, Geylang Road, #01-91, City Plaza,
Singapore 409286
104Outer Trust Credit Services135, Jurong Gateway Road, #01-323,
Singapore 600135
105P Lakshmi Firm77, High Street, #09-15, High Street Plaza, Singapore 179433158/2017
106Pardeep Moneylenders77, High Street, #06-14, High Street Plaza, Singapore 17943346/2017
107Phillip Credit Pte. Ltd.250, North Bridge Road, #06-00, Raffles City Tower, Singapore 179101125/2017
108Pit-Stop Credit200, Jalan Sultan, #02-27A, Textile Centre, Singapore 19901895/2017
109Platinum Credit Pte Ltd1, Coleman Street, #01-11, The Adelphi, Singapore 179803147/2017
110Power Credit Enterprise Pte. Ltd.1, Tras link, #01-11, Orchid Hotel, Singapore 078867163/2017
111PR Veerappa Chettiar77, High Street, #09-15, High Street Plaza, Singapore 1794334/2017
112Prime Motor & Leasing Pte. Ltd.61, Ubi Avenue 2, #01-03, Automobile Megamart, Singapore 408898151/2017
113Prosper Credit Pte. Ltd.186, Toa Payoh Central, #01-420, Singapore 310186101/2017
114Quick Credit Pte Ltd2, Jurong East Street 21, #04-01A, IMM Building, Singapore 60960161/2017
115Quick Loan 10110, Anson Road, #01-15, International Plaza, Singapore 079903159/2017
116QV Credit Pte. Ltd.175A, Bencoolen Street, #11-08, Burlington Square, Singapore 18965089/2017
117R2D Credit Pte. Ltd.Blk 846, Yishun Ring Road, #01-3661, Singapore 76084638/2017
118Radeep Moneylender77, High Street, #04-06, High Street Plaza, Singapore 179433142/2017
119Riverbank Financials Pte Ltd228, Changi Road, #B1-12, Icon@changi, Singapore 419741144/2017
120RM. Renganathan moneylender29A, Upper Dickson Road, Singapore 20748869/2017
121RML Credit2, Havelock Road, #01-17, Havelock2, Singapore 05976313/2017
122RTG Credit (S) Pte. Ltd.175, Bencoolen Street, #01-02, Burlington Square, Singapore 189649165/2016
123S G Credit Pte Ltd33D, Benoi Road, Pioneer Lot, Singapore 62778898/2017
124S.E. Investment Pte. Ltd.135, Jurong Gateway Road, #01-335, Singapore 600135164/2017
125S.P. Moneylender43A, Campbell Lane, 2nd Floor, Singapore 20991584/2017
126S21 Credit201D, Tampines Street 21, #03-1157, Singapore 524201106/2017
127Sands Credit Pte. Ltd.711, Ang Mo Kio Avenue 8, #01-3501A, Singapore 560711143/2017
128SGP Credit133, Jurong Gateway Road, #01-299, Singapore 60013349/2017
129Shanmugan Moneylender10, Jalan Besar, #13-05A, Sim Lim Tower, Singapore 208787126/2017
130Sighappi Achi Moneylender25, Norris Road, 2nd Floor, Singapore 20826765/2017
131Sincere Moneylender Pte. Ltd.13, Jalan Besar, ( level 1 only), Singapore 208789104/2017
132Singa Credit Pte Ltd470, North Bridge Road, #02-01, Bugis Cube, Singapore 188735145/2017
133SKM Credit Pte. Ltd.185, Toa Payoh Central, #01-334, Singapore 31018540/2017
134SME Care Pte. Ltd.5, Jalan Kilang Barat, #07-02, Petro Centre, Singapore 159349127/2017
135Soon Seng Moneylender711, Ang Mo Kio Avenue 8, #01-3501A,
Singapore 560711
136Su Credit Pte. Ltd.175, Bencoolen Street, #01-36, BURLINGTON Square, Singapore 189649128/2017
137Sumo Credit Pte. Ltd.190, Middle Road, #02-06, Fortune Centre, Singapore 18897911/2017
138Swift Credit Pte. Ltd.1, Sophia Road, #01-37, Peace Centre, Singapore 228149177/2017
139Symboic Pte. Ltd.35, Selegie Road, #02-17, Parklane Shopping
Singapore 188307
140Synergy Credit Pte. Ltd.140, Upper Bukit Timah Road, #02-18, Beauty World Plaza, Singapore 588176163/2016
141Tan & Jiang Enterprise Pte. Ltd.201D, Tampines Street 21, #03-1157, Singapore 52420137/2017
142The Moneylenders Pte. Ltd.7A, Tech Park Crescent, Singapore 637839149/2017
143TK Moneylenders43A, Campbell Lane, 2nd Floor, Singapore 20991556/2017
144Tradition Credit Co Pte Ltd
810, Geylang Road, #02-79, City Plaza, Singapore 409286160/2017
145Trillion Credit Solutions Pte. Ltd.i:77B, Attic Tanjong Pagar Road, Singapore 088498

ii: 304 , Orchard Road, #02-12, Singapore 238863
146Tur Mohar Money Lending5001, Beach Road, #07-39, Golden Mile Complex, Singapore 19958888/2017
147U Credit (Pte.) Ltd180 Bencoolen Street, #01-19 Singapore 189646168/2016
148UK Credit210, New Upper Changi Road, #01-723, Singapore 46021053/2017
149Unilink Credit Pte. Ltd.35, Selegie Road, #10-27, Parklane Shopping Mall, Singapore 188307168/2017
150Uniqcash Pte. Ltd.7A, Trengganu Street, Singapore 05846174/2017
151United Credit Pte Ltd186, Toa Payoh Central, #01-410, (2nd Floor), Singapore 31018681/2017
152Unlimited Finance Pte. Ltd.162, Bukit Merah Central, #01-3541,
Singapore 150162
153Vera Capital Pte. Ltd.10, Kaki Bukit Avenue 4, #05-65, Premier @ Kaki Bukit, Singapore 415874173/2017
154VM Credit Pte. Ltd.261, Waterloo Street, #01-31, Waterloo Centre, Singapore 180261131/2017
155Wah Leong Company (Private) Limited339, Jalan Besar, Singapore 2089841/2017
156Winz Credit Pte. Ltd.i: 153, Serangoon North Avenue
1, #01-530, Singapore 550153

ii: 124, Lorong 1 Toa Payoh, #01-467, Singapore 310124
157(*** Suspended Moneylender
***) Cashmax Credit Pte. Ltd.
810, Geylang Road, #01-56, City Plaza,
Singapore 409286
76/2017 ( *** Suspended Till 11/03/2018 ***)
158(*** Suspended Moneylender
***) Empire Global Pte Ltd
513, Bishan Street 13, #01-514, Singapore 57051364/2017 ( *** Suspended Till 19/12/2017 ***)
159(*** Suspended Moneylender
***) HSX Credit
704, Ang Mo Kio Avenue 8, #01-2545, Singapore 56070480/2017 ( *** Suspended Till 19/04/2018 ***)

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University Tuition Fees Guide Banner

If you are looking to find the tuition fees of top universities in the world, you are in the right place!

We have consolidated the latest fees of all top 100 universities based on the QS world university rankings.

You can filter out the ones that you are interested in based on the country and subjects the university is well know for.

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17 Cost Saving Ideas for Small Businesses

The smart way to reduce costs – As a small business owner you understand that it is so important to watch every penny; that means implementing a number of cost saving strategies to save money across all business areas from finance through to sales, marketing and general business but without compromising on the quality of products or services.

Perhaps you have just received a report from your accountant or maybe you have noticed that your business running costs are increasing year on year, this comprehensive guide will help you bring your finances back under control.

It is important to reduce waste and make savings in the right areas so your business doesn’t suffer.

Businesses cannot flourish if they are not operating as efficiently as they should be. Reducing what you spend and targeting resources more effectively can help you to push that growth initiative, upgrade your website or purchase a new piece of equipment that you need to remain competitive.

In recent years, the business landscape and wider economy has been uncertain so businesses are even more cautious about investing or making any financial decisions. Consequently businesses are looking at where money can be saved so that they can survive in a more competitive marketplace.

The introduction of the Internet, increasing rents and rising utility bills are just some of the reasons why businesses need to look at all areas of their business to make cost savings.

This unique guide will offer you 17 great ways to save money; from energy saving tips through to contract negotiations, this practical and informative guide will show how you can save money.

17 Cost Saving Ideas for Small Businesses

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Reduce Energy Costs

Although energy consumption is not necessarily at the forefront of a managers cost reduction strategy, there are simple techniques that you can promote in the workplace to reduce energy and generate savings in utility bills.

The purchase of a smart temperate control can regulate temperatures so the room is only heated when it needs to be.

Encourage employees to switch off computers and lights at the end of the day and install new energy efficient bulbs.

Save on Travel Expenses.

Checking a number of websites to get the best deals for travel and accommodation may take time, but it can result in significant cost savings. You don’t fly first class if you want to keep your expenditure for business travel expenses as low as possible.

Uber is a great tool for connecting individuals who need transport with taxi drivers.

Reduce your petrol costs by ensuring that company cars are energy efficient and look for cheaper ways to ravel such as train or coach.

Negotiate your Current Contracts

Small businesses require lots of resources to function. basic stationery items like paper, envelopes and pens can cost a fortune with some suppliers. Simply shopping around and sourcing cheaper suppliers can save money.

Carry out reviews thorough reviews of your suppliers using office management tools and finance packages to see how much you are spending.

Negotiate suppliers and check if you can find a more cost effective deal.

Outsource Some Tasks

Outsourcing on-board for certain tasks. Rather then employing a full time copywriter for example, you can outsource this work to a freelancer when you are updating your marketing material or website.

Freelance websites such as PeoplePerHour and Upwork are places where you can find curated talent across a number of disciplines from design through to administrative support.

Use the available freelance website to source freelancers with the skills that you need. If you find a great freelancer along the way you can continue to use them for future projects which will save you time and money in the long term.

We use Ascelade to build our website and SEO services. You might want to consider them.

Have fewer Meetings

Meeting can be both resources and time intensive eating up valuable hours in your working day. Not only this, if you don’t have meeting facilities at your place of work you may be spending a lot of money on hiring venues and offering hospitality, all of which can put a dent in your budget.

Softwares such as GoToMeeting or Join.Me enable participants to share screens and documents. Free tools such as Skype are also helpful.

Reduce face to face meetings as much as possible: arrange face to face meetings twice monthly and then hold the other meetings in between using collaborative technologies or free video calling and conferencing software.

Work Remotely

There is no doubt that office space costs money. With more and more businesses operating online, why not develop a virtual team? Not only will you save money on utility bills, you will also make significant cost savings on rent for your office space or building.

Project based software such as Basecamp or Go To Assist allow businesses to collaborate and set up schedules and to do lists for each member of the team. A central notice board or stream can be established so that all remote workers can log in and check progress.

Installing collaborative technology software can facilitate day to day business operations.

Switch to Cheaper Software

Some software options cost businesses thousands of dollars. There are many software tools which are very similar but much cheaper.

Web design software is very expensive, so is accounting software. Opt for cheaper versions provided that they offer the functionality that you need.

Research available options for software for example make simple switches to desktop publishing software or accounting programs.

Utilise Interns

Interns or apprentices can be excellent ways to support your business particularly during peak or busy periods.

Local training centres, colleges and universities may be an excellent place to begin.

Employ an intern or apprentice to carry out some of the more menial, time consuming tasks such as document checking, filing, processing and data input, freeing up time for your other more experienced staff to focus on other areas.

Hire Carefully

Recruitment is an essential process for any business but select wrong candidate and it could prove costly. Not only will you have to spend time and money training up a less skilled candidate but you may have to invest more time and resources in checking or correcting work.

There are a number of tools that can facilitate all aspects of the recruitment process from candidate and CV screening right through to online assessments and aptitude tests.

Ensure that you have a strong screening process in place and create accurate job descriptions so that you only invite the most qualified and experienced candidates for interview.

Rent Out Unneeded Space

If you currently own a building why not rent out spare floor space or desks to sole traders or freelancers who perhaps don’t need a permanent office space? If this is not something that you have considered before, you may be unaware of the demand for good quality office or desk space.

The internet is a great resources for advertising your spare office space along with the local media.

Rent out a small spaces like a spare desk in your office or if you have a large, expansive premises, you can rent out a whole unit or floor. This will create an ideal environment for sole traders or small businesses.

Use Project management Tools

Project management tools can be a great way to save time and resources enabling teams to break the project down into smaller tasks which can facilitate the distribution of workloads.

There are numerous project management tools including Trello, Capterra and Smart Sheet.

Increase effectiveness with time management, strengthen the planning and budgeting process with accurate project management monitoring tools.

Go Paperless

Businesses spend a lot of money on paper and ink for printing documents so more and more businesses are making the transition to paperless offices.

There are a number of tools that you can use to convert your paper documents into electronic versions or even remove paper from the office completely. Scanners, digital note taking applications such as Evernote, Intellinote project software or Adobe Reader for digitally signing documents.

Use the above pieces of software to scan and index documents into your company database system.

Buy Second Hand Equipment & Furniture

If you are hoping to fund your growing business, rather than purchasing new furniture seek out second hand desks, office chairs and other office furniture and equipment.

Websites such as Desk Stop, Want Don’t Want or Carousell enable business owners to buy and sell furniture.

Before purchasing new furniture check out local auctions trade magazines and use the internet to find suitable used furniture and equipment for a fraction of the price.

Share Services with Local Businesses

Sharing services across businesses can result in substantial cost savings. For example, businesses can share senior management knowledge or IT teams which can facilitate operations.

If you are a local business and have partnerships with others, seek advice as to whether there is the possibility of sharing services such as an IT department, HR or management function.

Get on the Cloud

Cloud based softwares can enable businesses to save costs in relation to server maintenance, power, software licensing and the expense associated with upgrading servers and equipment.

Sales Force, Cloudability and Cloud Cruiser are reliable cloud providers.

Initiate the transition to cloud based software selecting the most appropriate tools for your business.

Review Your Marketing Spend

Monitoring your finances is crucial and ensuring that your marketing expenditure is generating optimum return on investment is essential.

Finance software such as QuickBooks can help you see where your marketing budget is being invested.

Encourage your marketing team to think about the costs associated with different forms of marketing and where possible use free or low cost methods.

Switch to VoIP

Switching to VoIP technology can bring a number of benefits for your business, reducing costs on long distance calls and roaming charges as well as making use of Wi-Fi rather than network minutes.

Skype, Google Voice, Google Hangouts, OoVoo and Viber are tools that lots of small businesses are using too.

Where possible promote the use of VoIP amongst the workforce and you could even allow employees to bring their phones to work and work based calls can be made and received through the VoIP network.


There you go, all 17 cost saving ideas for your small business. Not all the ideas are suitable for your business. You may even need 1 or 2 ideas and it will save your business lots of money. I would suggest that you try them out in a small way before implementing it fully.

If you like these tips do share them to your social medias or even to mention it on your website or blog.

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We like to inform you that iCredit, is open on Sunday (11am to 4pm).

We heard lots of feedbacks from our clients, that they needed us to open on Sunday. As they are mostly working on the weekdays and would not be able to make it on time to lend or pay their monthly loan.

We hope that this will make you happy to get a loan from us easier.

Here are our official working hours;

Monday to Friday: 11am to 8pm
Saturday to Sunday: 11am to 4pm
Closed on Public Holiday.

You can contact us using the form below.

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Debt Consolidation Lower Interest RateToday, we are sharing about debt consolidation and the pros and cons you need to know.

There are plenty of people in Singapore who have amassed a significant amount of debt on their credit cards (source from Straits Times) and have accumulated overdue debt. A lot of them are presently in the process of gradually paying it off but the process is very slow. It is also not as if this loan payment is the only expense that they need to deal with – they have to make arrangement for meeting other similarly critical expenses (home loan, car loan, renovation loan, business loan, etc) as well.

The biggest problem is that all of these debts carry different rates of interest of repayment. This only makes it even harder to keep a track of expenses and control them in the long term.

At the present moment there are a number of credit unions in Singapore that are offering people a chance to avail debt consolidation loans. For people, likes the ones who have been talked above, such loans are like god-sent opportunities since they allow you to collate all your debts in a single loan and take away the unnecessary and incessant headaches.

With these loans you can pay off all your debtors and concentrate on paying just one loan in a month. However, there are a few things that need to be taken into consideration before these loans are availed.

The main idea behind taking loans is to reduce the rates of interest you are paying in order to pay the loan off. So, you need to make sure that you are achieving that with these loans. The idea of availing these loans can be rather tempting. After all, you can dispose off all your credit card bills.

You do not need to make many payments to different lenders. This is something that can get to your head. The road to being debt free is made much smoother by these loans. However, there are a lot of other things associated with these loans that may make the situation even worse later on.

If financial experts are to be believed these loans are nonsense in most situations. One can jolly well do without them! However, it is really difficult to ignore these loans considering the benefits that they offer. It is also important that you keep in mind the fact that these are after all financial products – not charitable offerings.

Companies will not be offering them if they did not have any profit to make out of them. You need to take into account the time period and interest rate of the loans you are paying and the debt consolidation loan you are considering. Once you do the calculation and compare both will you be able to take the right decision.

In certain cases you may be paying a smaller rate of interest with consolidation but the loan repayment term may be much longer. That would mean that in the end you are paying much more than what you would have done with your credit card or other present debts. So, it is better to concentrate on paying them off in a shorter period of time.

It is not rocket science. All it takes is some financially responsible and mature behaviour on your part and you may have paid off the debt much quicker than you can realize.

There are several ways in which you will be able to manage your debt in a much better way than taking the conventional options like a debt consolidation loan. In case you are experiencing issues with your cash flow the first thing that you need to do is to create a budget detailing your income as well as expenses. This will give you a better idea of things and you will be able to come to a decision regarding the expenses that could be cut off in order to save money.

In this instance you can delete expenses that are not necessary and ones you can always do without such as eating out and going to the theatres to watch the latest flicks. Keep this spirit of abstinence till the time you are financially sound and then you can start enjoying life again. This will also make sure that you do not face any undue problems with your debt payment. As a general rule of thumb, your debts should not be more than 35% of what you are earning in a month.

The lower your income, the lower should be your debt percentage. For this, you should review your debts on a regular basis. There should ideally be only one source from which you have taken debt. This way, you will less heads to worry about and you yourself will be in a far better position to monitor your debts. It is also important that you pay off all your installments at the time they are supposed to be paid and in the right amount as well.

This will make sure that you do not have to pay the penalty charges that only make the situation far worse than it already is for you. In case you are unable to do so, get in touch with your lender and ask for any help that may come your way. One way to pay off debt quickly is to increase the frequency of payments. The second way is to make lump sum payments as and when you are able to. Whenever you have some additional money, ask your lender if you can use it to pay off a part of the loan.

However, you need to ask your lender if by doing so you will incur any penalty or not. Also ask them if any advance notification needs to be provided for the purpose. In case you have a lot of debts to deal with you can also start off by paying ones that carry the higher rates of interest. Normally the credit card debts are ones with the highest rates of interest. Hence, it could be prudent to start off with them. In case you are unable to pay the whole amount in one go, pay as much as you are able to.

Do share with us what you think. If you have more questions or thinking of having a debt consolidating loan, do contact us here.

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As of 1st Oct 2015, has changed the licensed moneylenders interest rate in Singapore from 20% monthly to 4% monthly. At the i-Credit home website and our store front, we have changed or updated the information accordingly on the eve of 1st Oct 2015 as well.

Difference Between Old & New Licensed Moneylender Interest Rate Update?

In the New Interest Rate:

All borrowers will subjected to a 4% monthly interest rate for all income group. The amount of loan will be based on the yearly income of the borrower plus administrative fee. Below is the summary in table;

Income GroupLicensed MoneyLender Interest Rate (Monthly)Loan Amount
Less then $20,000 Yearly4%Up To $3,000
From $20,000 to $29,999 Yearly4%Up to 2 Month's Income
From $30,000 to $120,000 Yearly4%Up to 4 Month's Income
More than $120,000 Yearly4%Any Loan Amount

From now on, all income groups will be able to get a loan from i-Credit. Here’s what we need and you to take note of when you visit us;

Primary concerns that need your attention

  • Do not forget to consider various alternatives before approaching a money lender including numerous financial assistance plans offered by different governmental agencies.
  • Do remember your Singpass login details as well, since the licensed money lenders need to find out your annual salary through the IRAS website.
  • Remember that the loan contract needs to be legally fulfilled as per the contractual terms. Hence, it should be calculated keeping your income and other financial obligations in mind.
  • Carefully read and fully understand the terms and conditions of the loan contract before you agree to any of it. You must legally possess you own copy of the contract.
  • Choose only the most favourable cash loan option by researching about different moneylenders, instead of rushing into a commitment.

In the previous interest rate, taken from our past blog post:

Here’s what you need to know regarding Licensed Moneylender’s interest rate according to the Registry of Moneylenders:

– 13 per cent Effective Interest Rate for secured loans, &

– 20 per cent Effective Interest Rate for unsecured loans ( personal type).

The old interest rate is capped if the annual income is less than $30,000. An ethical licensed money lender is to disclose to borrowers in writings what are the Effective Interest Rate of the loan amount. Do note that different license money lender company may have slightly different interest rates for their clients and lend them the money.

The Effective Interest Rate takes into account the compounding effect of the frequency of
instalments over a one-year period. This means that Effective Interest Rate better reflects the actual cost of borrowing over a one-year period. Visit to find out more about how the Effective Interest Rate is calculated from 1 June 2012.

If your annual income is $30,000 or more, the caps above are not applicable and interest rate is to be agreed upon between the moneylender and the borrow.

In I-Credit, We give discounted interest for return customers with good record and credit rating. we typically offer 3 different sets of interest rates for different clients.

a) 11% Interest Rate per month: usually rendered to borrowers with good credit history and/or on time installment repayment.

b) 14% Interest Rate per month: for returning customers that have previous business relationship or record with us.

d) 18% Interest Rate per month: for new customers that have no previous business relationship or record with us.

Do note that the 3 different sets of interest rates are no longer in use in i-Credit business from 1st Oct 2015 onwards.

If you have any questions regarding the latest licensed moneylender interest rate, do contact i-Credit here, and we will do our best to answer all your queries.

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Loan Questions To Ask Lender

What Loan Questions to Ask Lender?

There are many reasons as to why one might take loans. It could be to refinance an existing loan or even buy products that one would not be able to buy otherwise. However, before one takes a loan it is better to ask some important loan questions – these can be posed to the bank as well. The answers to these questions will help you determine the kind of loan that will be good for one and will suit one’s financial condition to the t. Quite often it is seen that people are not careful before they take a loan and only end up repenting it later on.

1) What is my Credit Score?

This is a very important factor to be taken in consideration before taking a loan or even applying for one. This will play a major role in whether you get the loan or not, and also the terms and conditions of repaying the same. Your expenses in the long term will also be dependent on your credit score to a significant extent. In case you have a low credit score you are always better off trying to improve it before you apply for a loan. You can do this by paying off the small debts and also correcting any mistakes in your credit report. If you make your payments on time it will be of great help as well.

2) Secured loan or not?

Before you take a loan you should always be sure regarding the nature of the loan – is it a secured loan or a non-secured loan? A secured loan is one where collateral is needed. You need to put up something against the loan. For example if it is a car loan or a house loan your car or house is the collateral. This means that if you are unable to pay the loan back the bank can take the asset away. Secured credit cards can also be called secured loans since in these cases there is a credit limit and you can only loan as much as you have in your account. Majority of the personal loans are not secured. Read more about “Difference Between Secured and Unsecured Loans“.

3) How’s the Process of Loan Application?

This is a rather important question as you need to know the amount of time it would be needed in order for the lender to approve the loan. You also need to be aware of the factors that will help you get approved for the loan. You should also know how much time the bank will take before it provides you the money you are looking for. In case of emergency loans this is an important criterion. iCredit will process your application within an hour and you will receive the loan. Talk to us for loan enquiries.

4) How do I land the loan?

You need to know what you have to do in order to be able to procure the loan. In certain cases basic information such as income statement and credit scores is enough. However, in some cases you may have to get copies of your bank statement or tax returns. This will prove the amount of assets at your disposal and the amount of money you are making every month.

5) How much is the Application Fee?

In order to start the loan or apply for the loan you may have to pay a fee. It is always better to know how much it is going to cost in this regard. With a proper comparison of various fees you would be in a better position to determine which one is economically more viable for you. This also helps when you make the said payment. Currently, our application fee is at $100.

6) What is the Rate of interest on Loan?

Interest rate is normally expressed by way of APR or annual percentage rate. However, this may not always be the case. With the help of the APR you will have a clear idea as to what your expenses are going to be, by way of paying your loan back. If your rate of interest is higher it means your payments will be bigger. Student loans and mortgage loans normally have rather high rates of interest – in the range of 4-6%. In case of loans taken on credit cards, the rate of repayment could go up to 10% or even more. At times, it might even be as high as 27%. Personal loans normally fall somewhere in between the aforementioned loans. However, a lot depends on your credit score. iCredit does not look much into your credit score and we provide 4% monthly interest rate for all our clients from 1st Oct 2015.

7) What is the Period of Repayment?

This is the time that you get to pay the loan back. In case your repayment period is on the shorter side your payments will be on the higher. This is because you are getting lesser time to pay the loan back. In case the period of repayment is longer the monthly payments are lower as well. In this instance you are getting a longer period for paying the loan back and the bank can afford to lower down the rates of interest. However, from an overall perspective, in case of a longer repayment period you are paying more than you would in a short period.

8) How much is the Pre-Payment Penalty?

In certain situations you may receive extra money from somewhere or you may be able to save some money from your monthly expenses. In such situations you might want to pay off your loan earlier than usual. In some cases lenders may penalize you for this. So, when you are taking the loan you should always find out if the loan carries any pre-payment penalty or not. That way, later on you will not incur any undue financial loss.

9) Any Limitations on using Loaned Money?

In some loans you may have to use the money you have loaned only for a definite purpose. Examples of such loans are the student loans, car loans, and mortgages. However, in case of personal loans you have the freedom of using the money exactly the way you want to. It is still better to ask before taking the loan to make sure if there is any restriction on using the loaned money.

10) What is the Default?

In certain cases it might so happen that you are not able to pay the loan installments or you may end up paying later than you are supposed to. So, you should always be aware of the fines and penalties that you may have to pay in such situations.

11) What is the Amount Needed to Set Aside?

This is something that one needs to be absolutely clear of before taking the loan. In case of businesses this question can be answered by coming up with a projection of the monthly cash flow of the company. This will include areas such as time taken by customers to make their payments and the time in which they themselves have to make their payments. It always makes a poor impression on the lender if the borrower does not know how much money he or she needs.

12) What Documentations are Needed to Apply for Loan?

It is common to see that a lot of loan applications never go far. This is not because of wont of qualification on part of the lender but because of problems related to documents provided by him or her or not provided by him or her. The situation gets even trickier in case of business loans or loans applied for by business entities. The paperwork involved is much more than what would happen in case of individual borrowers. It is always advisable to be fully prepared.

13) Any Loan Repayment in Case of Death?

These are things that one needs to be prepared for as it affects the near and dear ones. Majority of people think that in case they die before the loan is paid back there is nothing that the bank can do. However, that is farthest from truth. The banks always find a way to get back what is due to them. They can encroach on one’s savings. In case it is a secured loan they can jolly well take the asset away if they feel that is the best option.

14) Any Comparison with other Loans?

We can always go for personal loans instead of purpose-based loans such as car loans and mortgages. However, the question that we need to ask ourselves is will these loans cost more than the personal loans. The answer is no. More often than not, the specialized loans have lower rates of interest and they also provide more benefits than their personal cousins. In certain cases, where you already have taken a loan from a particular bank, if you apply for a specialized loan from them then you may get the interest waived off on it.

15) Did you Over-Leverage with Respect to Other Loans

You should never take another loan if you have already taken a personal loan in the space of three months. Normally personal loans dampen one’s chances of getting another loan. In certain cases it might so happen that you may have to take a specialized loan but you need to make the down payment as well, which will not be covered by the said loan. In that case you make the down payment with a personal loan and then apply for the specialized loan. However, the lender calculates your debt servicing ratio and finds it to be unacceptable. As such, the second application gets cancelled. Read “Using Credit Card to pay for any Loans is Suicidal!

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credit card to pay loan

It is true that our lives is a beautiful gift from the Almighty. However, at times life throws the most unexpected surprises. We may be caught by several difficulties together at one point of time in life. Some of the difficulties we face in life are closely related to our finances. We may run short of money and may be forced to borrow loans from different sectors, both organized as well as unorganized. Nevertheless, it should be kept in mind that even in times of immense difficulty it is not a good idea to lose our composure and end up taking any kind of erratic decision.

Experts are of the opinion that one of the worst practices to pay your loan back is the use of the credit card. In fact, the use of credit cards to clear of personal loans is nothing but exchanging one form of borrowing with other. There are several reasons due to which you should strictly stay away from the use of credit card to pay loan back to your debtors. One of the major reasons for this can be you getting trapped in two kinds of debts.

Untoward incidents in Life is another factor that you should consider before taking such a decision. Suppose you have used your credit card to pay off the monthly EMI of a personal loan. Due to some reason or the other in the next month if you run out of money on account of a medical emergency or economic recession you can well imagine the situation you will be in. You are liable to pay the monthly EMI of your personal loan and at the same time you are accountable for the credit card installment that you had used to pay the EMI. It is a situation where you have two debts to pay off and not a single penny in hand. It can lead to an immensely stressful and difficult situation.

When in life an individual faces such a situation in life, it can get really difficult to handle. In fact, it can lead to conditions of extreme depression. The depression can be so overpowering that it may even lead to suicidal deaths. Moreover, when you have a credit card to pay off loans you do not even worry about the consequences and go on spending as much as you want. As a result a time might come when the bill amount may become extremely high. Such situations can really make you crazy and put you in situation on which you do not have control.

So most of the financial experts are of the opinion that it is never a good idea to use a credit card to pay off your loans. Apparently it might seem that such an arrangement is an easier one, but in the long run you get to realize that using one kind of loan to repay the other does nothing but throws you into a deeper trap of loans. It may become difficult to get rid of such a situation. Hence, it is recommended to limit the use of your credit cards and also try to lower the payment limit of your credit card. This will ensure that you do not run into any unnecessary troubles.

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Which is the Best Credit Cards to Use?

Having the best credit cards in your wallet can be fun yet dangerous. It is like a double edge sword which you need to know and understand how it work to your advantage.

Singapore is one country that has progressed a lot ever since its inception. Thanks to the uncompromising-work ethic of its inhabitants as well as zero tolerance attitude towards crime and corruption. Singapore is right now one of the leading nations in Asia and is well on its way to fulfilling its destiny as a global power.

Living in such a country, it is but obvious that there will be a lot of financial options for Singaporeans such as credit cards. In the modern world, credit card is a man’s best friend but one also needs to know how to use it judiciously.

Use Cash Back Credit Card

The HSBC Visa Platinum Credit Card is one of the leading cash back cards in Singapore. It has been awarded 4.8 stars. It comes with a standard interest rate of 24% per annum and its annual fee is 180 Singapore dollars. However, in the first two years the fee is waived off. In order to avail this card your income should be at least 30,000 Singapore dollars. When you sign up for this card you will receive vouchers worth 200 Singapore dollars of Resorts World Sentosa. The OCBC 365 Visa Credit Card is also one of the leading names in this regard. Its rating is similar to the HSBC Visa Platinum Credit Card. Its standard interest rate is 25.92% per year.

In this card too, the fee, which is 160.50 Singapore dollars, is waived off for the first couple of years. Along with regular cash back rewards it provides gas-related benefits. In order to avail this card one must earn at least 30,000 Singapore dollars. The Citibank Rewards Card MasterCard has been awarded 4.8 out of 5 stars as well and is regarded as one of the top cash back cards in Singapore. Cardholders get an introductory interest rate of 0% for 6 months of balance transfers. It comes with a standard interest rate of 24% per annum and its annual fee is 192.60 Singapore dollars, which is inclusive of GST as well. It provides rewards in the forms of points. In case you want to avail this card your minimum yearly income should be 30,000 Singapore dollars.

Make Full use of the Credit Card rReward Points

The most convenient way to make the most of reward points on a credit card offer is to choose one where the reward points are going to be of some use to you as a consumer. If you are a middle-class person then you should look for cards that offer reward points for shopping at your preferred stores. In case you are a young entrepreneur who is more often than not living out of a suitcase you can look for credit cards that offer frequent flyer mile programs. It is also important to make sure that cashing your rewards does not mean that you have to spend even more money. Before choosing a card it is also important to compare the rewards on offer with other cards.

People often make a major mistake by opting for a credit card just because they feel like doing so. It is important that you put a lot of thought into it before you buy one. A proper comparison helps you understand if it is really worth having the card. There are plenty of aggregator sites where such information regarding rates and fees can be made. You should also keep in mind that these could go up or come down depending on your credit history and score. It is always better to beware of cards that charge hefty annual fees because that fee may as well reduce your benefits to nothing. This is why cash back cards without any or very little annual fees are the best way to go.

For a better understanding of this issue, please read the article 5 Easy Ways to Plan Your Spending & Increase Your Saving.

Consolidate your Spending in One Credit Card

In this age of high incomes and equally high spending as a consumer it is hard to keep a tab on which card is being used to pay which expense. This may seem to be trifling to start with but soon you understand that you have built up a mountain of debt that you are finding very hard to deal with. In order to pay that debt you have to incur more debt and the situation only spirals out of your control to such an extent that after a point you are forced to sell off your property and announce yourself bankrupt. Now you would not want such a situation to be in, right? The question is how you avoid such a serious pitfall.

The first thing that you need to do is have only one credit card and even if your income and your supposed needs – hammered on to your head by capitalist propaganda – increased you should always be parsimonious with your expenses. The lure will always be there but you need to be able to ignore it at will. With only one card you will be able to keep a proper track of your expenses as well. Try and buy as much you can with cash and limit your expenses. You may or may not acknowledge but you always need not flash the latest consumer goods to depict how much you have achieved in life. A debt-free life is also a good indicator of how well you are doing in life.

Decide Which Credit Card is Best for You

A country such as Singapore, which is synonymous with progress in so many ways, is awash with cards. There are different cards that can be availed in this country for a wide variety of purposes and it is for you to decide which one is going to be good enough for you. Cards such as OCBC, Citibank and POSB are good for activities related to EZ-Link. For buying petrol the best companies would be the American Express Platinum Credit Card, the POSB Everyday Card, and the UOB PRVI Miles Platinum Card. In case you are interested in buying products and services and pay in installments you can try the UOB One Card.

Do share with us your credit card strategies and how you choose them to your advantage.

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Plan Spending Increase SavingOne easy way in which you can make better use of your money is to write down what you wish to do with it. If you write them down they will always appear more plausible and you will feel that there is always a good chance that you can achieve them. We often see that our daily expenses come in the way of our saving. A spending plan is a good way to ensure that our life’s financial goals are not messed up by our expenditure. A spending map or plan is different from a traditional budget in the sense that it is not as strict as the earlier. It is something that helps us assume greater control of our finances in the future. A spending map can definitely help us reach our goals.

Step 1: Decide Your Outcome, Reduce Cost, Increase Saving or Investment

The first thing that you need to do in order to save money is to understand where your money is going. It helps you get a control on your financial situation and also helps you achieve your goals with the financial resources at your disposal. There are a few things that need to be done if you want to understand where your money is heading. The first thing is to assess your financial habits. For starters, you can list down every area where you may have spent money in the last month. You can start with areas that are common expenses for all such as rent and utilities, insurance, minor purchases such as snacks and coffee, and groceries.

Step 2: What is Your Income (Monthly or Yearly)?

There are several components of your income – more than you may know or care to imagine. The first part of your income is the salary that remains after all the applicable taxes have been deducted. If you have other earning member/s in your home then this rule applies to them as well. Together you can calculate and arrive at a cumulative figure. The bonus and overtime payment that you receive from time to time or at definite intervals in a year also constitute your income. In case you earn some dividend on shares or any form of interest on your savings it is considered your earning as well.

Step 3: List Out Expenses (Monthly or Yearly)

The most important expense for you would be the various savings and investment that you are making in order to secure your financial future as well as that of the others important to you. The second important area of expense is housing. You could be paying mortgage or shelling out rent for the same. Electricity is a critical area of expense as well and one should try and use it as judiciously as possible. Then there are expenses such as heating oil and gas. Water is also an important area of expense. Telephones come with associated costs such as monthly rentals, internet connection, and costs incurred in long distance calls that inevitably are more expensive.

Step 4: Compare Income and Expenses.

Comparison of income and expenses is a very important part of any exercise aimed at saving money. You can do this by writing down your aggregate income in a month and then taking into account the total money that you are spending in a month. Your income should always be more than what you are spending.

Step 5: Set Priorities and Make Changes to Your Spending and Savings

If you are able to save money at the end of a month then it is a fantastic situation to be in. It shows that you have a balanced income. This means that you have the money you need to achieve your future goals. However, in case it is the other way round then you need to increase your income or reduce your expenses or, if possible, do both.


The basic thing is that you should always be careful about the condition that your money is in. You should earn as much as is possible for you and spend as little as you can. This will allow you to create a fund that will come in handy at various stages of your life.

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