BENEL D. LAGUA
As a tribute to my former colleague at SB Corp., Charles Belgica, who recently passed on to the next life unexpectedly, I wish to share excerpts from the work he put in to a policy paper on SME Finance. Charles has been a silent partner in my espousal of a risk-based lending framework for SME lending. My hope is his work will not be forgotten as new advocates build on his ideas.