LOANS RECEIVABLE, NET (Tables)

12 Months Ended

Dec. 31, 2022

LOANS RECEIVABLE, NET [Abstract]

Loan Portfolios

The following table presents the loans receivable by each of the loan portfolio:

	As of December 31,
	2021 $			2022 $
Commercial		107,357			45,405
Consumer		1,520,237			2,268,844
		1,627,594			2,314,249
Allowance for credit losses		(97,676	)		(238,819	)
		1,529,918			2,075,430

Summary of Delinquency Status of Loans Receivable by Year of Origination

The following table is a summary of the delinquency status of the loans receivable by year of origination:

	As of December 31, 2021
	Year of origination
Commercial	2021 $		2020 $		2019 $		2018 $		2017 $		Prior $		Total $
Delinquency:
Current		18,642		66,088		10,332		3,744		1,985		1,127		101,918
Past due
- 1 to 30 days		11		143		277		102		96		–		629
- 31 to 60 days		36		1,187		2		–		73		–		1,298
- 61 to 90 days		11		215		155		38		11		–		430
- More than 90 days		71		616		1,685		627		38		45		3,082
		18,771		68,249		12,451		4,511		2,203		1,172		107,357
Consumer
Delinquency:
Current		1,414,709		1,091		6,501		4,551		2,098		96		1,429,046
Past due
- 1 to 30 days		28,758		418		263		265		76		32		29,812
- 31 to 60 days		17,632		105		1,017		1,290		475		85		20,604
- 61 to 90 days		11,956		38		183		100		8		1		12,286
- More than 90 days		27,008		1,158		58		122		88		55		28,489
		1,500,063		2,810		8,022		6,328		2,745		269		1,520,237

	As of December 31, 2022
	Year of origination
Commercial	2022 $		2021 $		2020 $		2019 $		2018 $		Prior $		Total $
Delinquency:
Current		918		6,159		30,778		4,134		1,282		923		44,194
Past due
- 1 to 30 days		10		37		117		148		13		–		325
- 31 to 60 days		–		–		38		249		32		–		319
- 61 to 90 days		–		22		–		1		42		2		67
- More than 90 days		–		64		105		212		79		40		500
		928		6,282		31,038		4,744		1,448		965		45,405
Consumer
Delinquency:
Current		2,050,721		641		807		2,790		1,702		786		2,057,447
Past due
- 1 to 30 days		70,761		206		143		97		66		14		71,287
- 31 to 60 days		49,493		341		96		490		560		190		51,170
- 61 to 90 days		44,065		581		18		16		22		–		44,702
- More than 90 days		26,308		16,718		913		146		39		114		44,238
		2,241,348		18,487		1,977		3,539		2,389		1,104		2,268,844

Loans Receivable's Allowance for Credit Losses

An analysis of the loans receivable’s allowance for credit losses by portfolio segment is as follows:

	Commercial $			Consumer $			Total $
Balance as of January 1, 2021		28,324			12,160			40,484
Provision for credit losses		7,343			107,722			115,065
Write-off of loans receivable		(27,311	)		(29,497	)		(56,808	)
Exchange differences		(657	)		(408	)		(1,065	)
Balance as of December 31, 2021		7,699			89,977			97,676
Provision for credit losses		(1,202	)		494,815			493,613
Write-off of loans receivable		(4,772	)		(331,401	)		(336,173	)
Exchange differences		(285	)		(16,012	)		(16,297	)
Balance as of December 31, 2022		1,440			237,379			238,819