The salary delays, which started in January 2023, came on the back of furloughs and disciplinary actions against employees, who have, therefore, become more likely to default on their loans.
Civil servants who have so far been unaffected by the government’s approach were not totally unscathed, as commercial banks have quickly moved to hold either more than half or their full salaries as a precaution against possible ramp-up in non-performing loans.
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