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Utang na loob is a Filipino cultural trait which, when translated literally, means "a debt of one's inner self'. A debt of good will is incurred when a person becomes the beneficiary of significant assistance or favour given by another. Usually, the beneficiary is in acute need of the assistance given or favour granted. Pros: 1. It encourages us to do good deeds to each other. 2. Encourages camaraderie especially in circles of friends. 3. Makes us think ahead when establishing relationships. Cons: 1. Some friendships can end because someone did not meet the expectation of another. 2. Makes conditional deeds that are meant to pay. 3. Friendships will depend on the benefits they receive rather than the tie itself.