Loans are made only by
utilizing opportunities that are not very secure. It also cannot be accurately
identified. Even some debtors in the beginning, there has been an element of
excessive speculation. Then there is possibility of bad faith to fulfill all
the promised obligations. But the difficulty of repaying loans is not only with
debtors who are less careful or speculative. Debtors with good intentions can
also be mired in trouble paying loans because of various conditions.
