Question

Amrita is a government teacher and belongs to a rich urban household whereas

Rani - A Dalit, works as a helper on a construction site and comes from a poor

rural household. Both have a crisis at home and wish to take a loan. Amrita got the

loan from easily as compared to Rani. Why is Rani not able to get the loan? Tick

the most appropriate reason.

a. Because Rani is uneducated.

b. Because Rani is engaged in informal sector.

c. Because Rani is from an untouchable caste, Dalits.

d. Because Rani is poor.​

Answer 1

Explanation:

Question:-

Amrita - Belongs from a rich household and has a government job of teacher.

Rani - A Dalit poor woman who works at construction sites as a helper.

Both has a crisis in their homes and want to take loan from the bank and Amrita gets the loan easily than Rani,why ?

• Because she is uneducated.

• Because she is working in informal sector.

• Because she is from an untouchable caste, Dalit.

• Because she is poor.

Answer:-

The correct answer is:- Because she is working in informal sector.

Reason:-

➔ Why option 1 (uneducated) is not correct ?

:- Because not educated doesn't ever make a burden in taking loans. If the policy if loan is like uneducated people can't take loans then, how can the workers and several people who are still many uneducated can take if they need ? This factor is already removed from the conditions of loans to let all people take loans as they need.

➔ Why option 2 (informal sector ) is correct ?

:- Because everytime,if we go out to take s loan,the lender of the loan always check that the person taking loan have enough source of income (can also be gold/house) is enough to pay back the loan. Amrita had a government job and she can pay back the loan but Rani doesn't have any regular income because she is working in a informal sector.

➔ Why option 3 (Dalit) is not correct ?

:- While lending any type of loan,the bank always and only checks that if the person eligible to pay the loan or not. However, the caste,gender,religion doesn't matter in taking out loans as it will be discrimination.

➔ Why option 4 (poor) is not correct ?

:- There isn't any condition available that stops poor people from taking loans as they are the people who needs a loan the most. Being poor isn't an issue but because being jobless is an major one.

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