TY - JOUR T1 - Everyone should heed payment moratorium. IN Opinion [column] JF - Manila Standard A1 - Manalo, Charlie V. LA - English YR - 2020 UL - https://tuklas.up.edu.ph/Record/IPN-00000575121 KW - Banking industry KW - Coronavirus diseases KW - COVID-19 KW - Moratorium on payment of debts ER -