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Read Page 148 in the link I gave.

"Accounting Policy
Finance receivables consist of receivables in relation to sales-type leases. We perform ongoing credit evaluations of our customers’ financial condition. We periodically review whether an allowance for credit losses is needed by considering factors such as historical payment experience, credit quality, the aging of the finance receivables balances, expected lifetime losses, and current economic conditions that may affect a customer’s ability to pay."


Bold is mine, again.

I think that is the clearest explanation; you might to re-parse the definition for sales-type leases (already above, from p. 143), too, if you think there's something amiss or misleading.

Seems to me they are trying to differentiate, honestly, between the backlog, the deferred revenue, and the contracted lease-to-own sales, while also measuring the credit risk on those deals for sizing the credit-risk allowances for bad debt?
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