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"For smaller loan applicants, the major difficulty is the information asymmetry," he said. "How to reduce default risks of unsecured loans by monitoring the cash flows of companies is also a challenge, because small and micro enterprises are asset-light and short of pledges."

"For Cambodia, China is a huge market for our agricultural products. The more China buys our products, the more jobs and incomes there are for our farmers," he said.

"Having obtained loans, the core enterprises will make real-time payments in cash to suppliers after receiving goods or make advance payments to suppliers before receiving goods. Banks also encourage core enterprises in the supply chain to lower the percentage of the contract value that shall be paid in advance by downstream enterprises," she said.

"For my latest cookbook, the publisher told me to include a lot of recipes that have no more than five ingredients and I told them that almost all the recipes use fewer than five ingredients."

"For crown. For country", is the slogan of the Kagandahang Flores (Flores Beauty) studio he set up in 1996, the first of a handful of Philippine beauty boot camps that have helped transform the nation's pageant fortunes.