My first helper borrowed HK$7,000 from a Finance Company without asking me, when I found out, I asked her "做左10年都無錢儲?(of course in English)" She told me that Philipinos don't like to save and no need for them to save. They choose to use up all the money they have and then borrow if necessary.
We (HK employers) should turn down their borrow request and educate them to save!