Laenupõhised
Laenupõhised is a Estonian adjective meaning "based on loans." It is formed from laen (loan) and põhine (to base) and is used to describe financing, products, or strategies that rely primarily on borrowed funds rather than equity or grants. In finance, laenupõhised finantseerimismudelid involve raising capital through debt from banks, investors, or other lenders, with repayment terms and interest attached. In consumer contexts, laenupõhine ost or laenuga maksmine refers to purchasing goods on credit and paying back over time.
In public policy and institutional contexts, programs can be described as laenupõhised if their operations or
Laenupõhised is commonly used in financial reporting, business studies, and policy analyses to distinguish debt-based approaches