Profit-oriented interest payments

Name(s): 
Lack of mutual credit societies
Nature 
Profit-oriented credit exchange systems results in rigidity in credit availability and terms, so that someone needing a loan for hospital bills may pay the same rate of interest as someone obtaining a loan to take a vacation. With a view toward maximizing a secure return on funds, extensive loan restrictions are placed on applicants, excluding needy applicants who cannot meet rigid credit requirements.
Type 
(D) Detailed problems