The banks are sometimes not willing to lend to certain borrowers because of the following reasons:
(i) Some persons are not able to produce certificate of their earning.
(ii) There are some people who have a history of non-repayment of loans.
(iii) There are other people who are not able to produce documents of their employment.
(iv) Some persons have nothing to give to bank as collateral.
(v) There are a few others who fail to produce two persons who can stand as surety in case he is unable to repay the loan.
