Question

Given that a large number of people in our country are poor does it in any way affect the capacity to borrow

Answer 1

yes it affects as the poor people cannot show collateral in the bank to borrow money from bank. and they have to borrow from moneylenders which charge a very high interest rate.
hope it helps

Answer 2

ʜᴇʀᴇ ɪs ᴜʀ ᴀɴsᴡᴇʀ-⏬ ⏬

ᴛʜᴇ ᴘᴏᴏʀ ᴀʀᴇ ɴᴏᴛ ɪɴ ᴀ ᴘᴏsɪᴛɪᴏɴ ᴛᴏ ᴘᴀʏ ʙᴀᴄᴋ ᴛʜᴇ ʟᴏᴀɴ ᴛʜᴇʏ ᴛᴀᴋᴇ . ᴛʜᴇ ʟᴇɴᴅᴇʀ ᴀʟᴡᴀʏs sᴇᴇ ᴛʜᴇɪʀ ᴍᴏɴᴇʏ ʀᴇᴄᴏᴠᴇʀʏ. sᴏ ɪᴛ ᴅᴏᴇs ᴀғғᴇᴄᴛ ᴛʜᴇ ᴘᴏᴏʀ ᴘᴇᴏᴘʟᴇs ᴄᴀᴘᴀᴄɪᴛʏ ᴛᴏ ʙᴏʀʀᴏᴡ ᴍᴏɴᴇʏ.

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