translation.bs: "Isprva, centralna banka BiH nije imala Centralni kreditni registar (CKR), tako da su ljudi uzajmljivali više nego što mogu otplatiti, ali neki zajmoprimci su uskoro počeli varati svoje žirante, koji nisu čak ni znali da je došlo do prezaduženosti pri zajmu," kaže Božić.
translation.en: "Initially, BiH's central bank did not have a Central Debt Registry (CKR) so that people borrowed beyond their means, but some borrowers soon began deceiving their guarantors who did not even know that over-borrowing occurred," Bozic said.