enterprise, as the case may be, to repay its debts, and is used to determine the investment grade of that entity or enterprise, as the case may be, for purposes of the raising of capital by that entity or enterprise, as the case may be, on the financial and capital markets; "credit risk" means, in relation to a borrower, the risk that the borrower may not be able to meet its contractual obligations to repay the debt of the borrower; "debt" means, in relation to a borrower, the obligation of the borrower to repay moneys lent to the borrower by a lender , with or without interest, to the lender , on a specified date or over a specified period of time; "DFI" means Development Finance Institution "Development Finance Resource Centre" means the Development Finance Resource Centre established in Article 8(1) of this Annex; "enterprise" means any entity, corporation, trust, partnership, association of persons, foundation, sole proprietorship, branch, joint venture, association, or similar organization, entity or association of persons, which is engaged in activities of a commercial nature; "enterprise-wide risk management" means, in relation to an enterprise, a comprehensive view of risk for that enterprise which incorporates identification, measurement, limit setting, monitoring and control of risk in respect of that enterprise, and takes into account credit risk, market risk and operational risk; "entity" means any juristic person constituted or organised under the applicable laws of any State Party or third State, whether or not for profit, and whether privately or governmentally owned or controlled; "Establishment Agreement" means, in relation to a DFI, the memorandum and articles of association of, 82