this text provides a rare combination of a thorough understanding of banking and lending with an innovative scholarly explanation of the concept of stewardship found in accounting, corporate governance, environmental strategy and christian social ethics. it shows the value of applying a consistent framework of resource-related social values to credit and debt. the borrowing experience of private individuals, small businesses and home buyers is considered in relation to the roles of both bankers and money advisers. technical finance and profit are not marginalised in the decision support model presented to guide debt management operations. the book will interest practitioners within the financial services industry including money advisers. it will also be of interest to students and researchers concerned with banking, finance and business ethics. anyone with a concern about the ethics of debt should read this book.