Secured loans need property as collateral, which we cannot risk with our small land, while unsecured loans rely on co-applicant income, like my sister's teacher salary—that is the real "margin" for families like ours. The moratorium is a blessing, allowing breathing room like my quiet reading hour after work, but interest still grows. The Vidya Lakshmi portal is a good step, but in my village, we still first visit the bank manager with folded hands and a file of papers, beta.
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