‘Credit’ refers to an agreement in which the lender supplies the borrower with money, goods or services in return for the promise of future payment. Credit plays a vital and positive role as: (i) Credit helps people from all walks of life in setting up their business, increase their income and support their families. (ii) To some people loan helps a lot in constructing their houses and get relief from monthly rent. (iii) To others it helps a lot in raising their standards. (iv) Example of Salim, The credit helps him and he is able to increase his earnings.