Borrowing-centric

Relating to, focused on, or primarily concerned with borrowing, especially of money or resources. This term describes a system, policy, business model, or individual behavior that prioritizes obtaining assets through debt or loan agreements. It implies a reliance on external financing, potentially influencing decision-making to favor actions that facilitate further borrowing or manage existing debt obligations. A borrowing-centric approach often involves a heightened awareness of interest rates, creditworthiness, and the terms of loan agreements, while simultaneously acknowledging the inherent risks involved with incurring debt.

Borrowing-centric meaning with examples

• The company's business strategy was deemed borrowing-centric, as its growth depended heavily on acquiring loans to fund expansion. This led to increased debt burden and heightened vulnerability to market fluctuations. Investors were wary due to the potential impact of rising interest rates, creating a risk adverse market.
• The government's economic policy adopted a borrowing-centric approach, heavily reliant on issuing bonds and accumulating national debt to finance infrastructure projects and social programs. Critics warned of long-term financial strain and the impact on future generations, raising questions about fiscal responsibility and sustainability within the country.
• Her personal financial habits were considered borrowing-centric; she frequently used credit cards and took out personal loans to cover expenses, and she consistently struggled to manage repayments. A reliance on this made it harder to build an emergency fund, or save towards large goals, ultimately risking financial stability.
• The bank's lending practices were viewed as borrowing-centric, as their primary revenue stream was generated from interest on loans. This led to an aggressive approach in seeking new loan customers, which included offering low interest rates and high credit limits, which were ultimately beneficial to those taking out loans