Question

what are the reasons why the banks might not be willing to lend to certain borrowers

Answer 1

banks might nit be willing to lend to certain borrowers because
1.>Banks need terms of credit ( collateral) for lending loan and if the loan seeker does not have any collateral than the bank will not give loan to the seeker
2.>If the loan seeker has not paid his previous loan he will not be granted loan

Answer 2

the banks are not sometimes willing to lend loans to certain borrowers because
1. some people are not able to provide the proof of their earnings.
2. some people are unable to provide documents of their employment .
3. some people want money for productive works like marriage, dowry, death. so banks do not provide these laons.
4. some poor people are unable to pay installments. they do not have colleteroll to give laons.
4. they do not have people who can stand surely in case he is unable to repay the loans.