Miranda, Aldeah Laine G. BCH I-1 “Utang na loob" is a Filipino phrase that’s derived from the words "utang" (debt) and "lob" (inside), which roughly translates to "Debt of gratitude." This virtue is deeply imbedded in Filipino culture and it plays a significant role in relationships, particularly those between parents and children. At its core, "utang na loob" revolves around the principles of showing gratitude and respect to individuals who have provided assistance. It is usually observed when someone receives a favor, creating a moral obligation for the recipient to reciprocate the kindness in the future, often with a sense of added interest (usually beyond what's been provided initially), This virtue is unique to Filipino culture, and, in fact, every Filipino is expected to possess “utang na loob”. Nevertheless, Kaut’s writings highlights the potential pitfalls of excessive demands in the name of "utang na loob," which can have long-lasting consequences. He points out the complications that may arise when those who offer assistance feel entitled to demand for additional favor as repayment, which may result in the receiver's inability to repay the debt, resulting in a lifelong burden. In certain cases, this obligation may extend to future generations. This notion is further emphasized by Aquinas in which he writes, people are indebted to other people for their earlier benefactions, indebted not in the sense of having a debt of repayment, ie, a legal debt, where "the amount given is the measure of the recompense,” but in the sense of having a debt of gratitude, i., a moral debt, where "the sentiment of the giver" is regarded “more than what he has given.” The challenge with the concept of "utang na loob," as discussed in this essay, is rooted in its ambiguous nature. Unlike a common loan, you can never be certain how much more has to be paid, or when will the loan expire. Consider a scenario where an individual is compelled to engage in an ethically questionable act due to pressure stemming from "utang na loob." The pressure to reciprocate the kindness received can sometimes override an individual's capacity to make ethical-sound choices. The scenario not only highlights the importance of recognizing the limitations and potential ethical challenges associated with "utang na loob", it also gives emphasis to the importance of understanding that while “utang na loob” encourages gratitude and reciprocity, this cultural practice is not without constraints, In essence, “utang na loob" is a vital aspect of our culture that enhances relationships through values of gratitude and kidness. While it is not inherently bad, the potential ethicalMiranda, Aldeah Laine G. BCH I-1 dilemmas and pressure stemming from excessive demands should not be overlooked. Preserving the essence of "utang na loob" should be done with an understanding that everyone must set ethical boundaries to maintain healthy relationships with yourself and others, while respecting personal values and ethical principles References: Menguin, J. (2023, April 11). Utang na Loob: Filipino's Sense of Gratitude and Generosity. Business & Leadership With Jef Menguin. https:/jefmenguin.com/utang-na- loob/ Tuazon, A. C. (2022, December 22). Understanding “utang na loob’ | Inquirer Opinion INQUIRER.net. https://opinion inquirer.net/159721/understanding-utang-na-loob Kaut, C. (1961) Utang Na Loob A System of Contractual Obligation among Tagalogs. Southwestern Journal of Anthropology, 17, 256-272. - References - Scientific Research Publishing. (n.d.). https:/Awww scirp.org/(S(351jmbntvngjt aadkposzje))/reference/Referen cesPapers.aspx?ReferencelD= 1545003 Gundran, Manalo, et. al. (2021, March). The Concept of Utang na Loob in the Philippines: Utang na Loob Scale. https://research-manila.letran.edu.ph/download/183Hello, Sir! T hope this letter finds you well and in good spirit. I am writing this to explain the reason for the delay in submitting my assignment for Ethics 1, which was due nearly 20 days ago. I apologize to inform you that the delay was caused by a simple oversight on my part. I finished it on time but I forgot to press the "Save changes" button Only recently, when I went back to the website to double-check my submissions for different courses, did I realize my error. I clicked the "save changes" button right after seeing the assignment for Ethics was still marked as "Not submitted" rather than "Submitted"; however I recognize that this is past the deadline and I truly apologize for any inconvenience this may have caused you. I promise you that this oversight does not reflect my dedication to the course or my commitment to completing projects on time. I have always worked hard to maintain a good level of academic performance, and I am very disappointed in myself for the lack of attention to details Tam aware of how crucial deadlines are to upholding the integrity of the course, and I'll make sure to triple check them again in the future. If there are any deductions for this delay, I am willing to accept them because they are completely my fault, Once again, I apologize for any inconvenience my oversight may have brought you, and I appreciate your understanding in this matter. Thank you for your time and consideration. Miranda, Aldeah Laine G. BCH I-1