What is utang na.loob in english?

Utang na loob is a Filipino term that means "debt of gratitude" or "sense of indebtedness." It is a cultural concept deeply embedded in the Filipino psyche, which emphasizes the importance of reciprocating acts of kindness and returning favors. In Filipino culture, it is considered the moral obligation of an individual to return a favor or service received, no matter how small or insignificant it may seem. Utang na loob is often seen as the underlying principle that binds social relationships and is used to establish networks of trust and commitment among family, friends, and communities. It is considered a virtue that defines the Filipino character and distinguishes them from other cultures.