Add olive oil to a large saucepan and bring to medium heat.
Add crushed garlic, diced onions and capsicum, cumin, black pepper, bay leaves and cook them for a minute until onion is translucent.
Add water or stock let the stew simmer on low to medium heat for an hour with a lid ajar. Add more water if needed. If you are using a pressure cooker, cook on low heat for half an hour.;Season with salt and let simmer for an extra 10 minutes or until the sauce has thickened, if needed.
Use a ladle to macerate the beans partially before serving helps to thicken the sauce.
Serve with rice, casseroles, steamed or sauteed vegetables.