Banks might not be willing to lend to certain borrowers because of:

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Inability of borrowers to produce certificate of earning

People having history of non-repayment

Insufficient Collateral

All of the above

answer is D.

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Detailed Solution

Banks might not be willing to lend to certain borrowers because of the inability of borrowers to produce the certificate of earning, people having a history of non-repayment and insufficient collateral.
Bank's reluctance to extend credit to specific borrowers is due to a number of factors. Following are some of these causes:

Collaterals and the appropriate paperwork are needed for bank loans.

Farmers mostly rely on revenue from farming.

Collateral against loans is required by banks. An item that the borrower holds, such as cattle, buildings, automobiles, or bank accounts, serves as collateral for the loan amount that is sought.

People who are typically impoverished or farmers may not have enough collateral.

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