Using personal land for security is an unfair overburden loan banking regulation/policy in Tonga

1. The Laws & Policies of Personal Bank Loans in Tonga: Doctrinal Methodology

1.1. Relevant Laws

1.1.1. Banking Laws in Tonga

1.2. Relevant Regulation/Policies

1.2.1. Policies of all four main commercial banks in Tonga

1.3. Any previous studies/comomentaries

1.3.1. Legal Journals?

1.4. Any Cases?

1.4.1. Past cases or current known 'victims' ?

1.5. Literature Reviews?

1.5.1. Must review legal literature

1.6. Personal comments/recommendations

1.6.1. personal view(s) and recommendations

2. Measuring/Comparing

2.1. How they take away the land, which is not half as much worth the loan that individuals have loaned?

2.1.1. Compare the worth of the loan to the value of the land?

2.1.1.1. What is the land law of Tonga regarding loans

2.1.1.1.1. No

2.1.1.1.2. Yes

2.1.1.2. Is there contradictory Constitutional rights?

2.1.1.2.1. No

2.1.1.2.2. Yes

2.1.2. What other factors are considered? Household income? Guarantors?

3. What does the Constitution say about this?

3.1. Reserve Bank policies,

3.1.1. How does the Reserve Bank rule the policies of the commercial banks

3.1.2. How does the commercial bank policies and regulations determine what is the final loan policies for idividuals

3.1.3. What other bank policies in the Pacific region or the world could improve our local policy?

4. Personal View(s)

4.1. What is the literature review on the bank loans in Tonga?

4.1.1. None

4.1.2. Law Reforms and Policy Papers

4.1.2.1. Supportive reasons why policies in place are sufficient?

4.1.2.1.1. Any comparison to other banking policies and regulations in the Pacific?

4.1.2.2. Alternate review(s)

4.1.2.2.1. What are the justifying reasons for/ or the lack of the set regulations and policies

4.2. what judgements have been made in this regard

4.2.1. Yes

4.2.2. Read written chart

4.2.2.1. Did you look at X-ray films of broken pelvis?

4.2.2.1.1. Yes

4.2.2.1.2. No, relied on written report by radiologist

4.3. Any other local / regional sources on the topic?

4.3.1. No

4.3.2. Yes

4.3.2.1. what does it say about the Reserve Bank of Tonga?

4.3.2.1.1. How does this create the policies for the commercial banks?

4.4. what is my (tentative) conclusion?

4.4.1. Disregard Bank loaning?

4.4.2. Review banking laws and policies

4.4.2.1. justify why it is unfair to take the land for a x amount

4.4.2.1.1. No

4.4.2.1.2. Yes