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activities Argentina basic Bible Biblical borrower capital changes Christian Church City of London commercial banks competition concerned cost-push credits deal debt problem debt service debtor decisions developing countries doctrine economic efficiency enterprises ethic of finance ethical issues example expectations exports faith financial markets Financial Services Act financial world foreign exchange funds future growth human important income increase individual industrial inflation insider institutional interest International Monetary Fund investment investor judgements lender lending loans manufacturing output montes pietatis moral Moral Theology operations policies political poor popular capitalism possible principle productive professional profit proportion question R. H. Tawney recent recognise regulation renegotiability require responsibility reward risk Robin Gill role Scotland Scottish Financial Scottish Financial Enterprise sector seek significant social society suppliers sustainability taxation teaching Testament Theology trade traditional transactions usury World Bank