Somali business folk must understand that when in Rome they must do as the Romans do. This is a vital lesson. In Somalia it was easy to lend to your neighbour or long term customers and trust them to pay on time when agreed. Even without much written law, customs are strong and bind an entire community together. The respect of an individual depends on their ability to honour their obligations and debt. Unlike going bankrupt in England and America, once the business community has lost faith and trust in a person or group in Somalia, they are ostracised by everyone else.