Question

what are ther reasons why the banks might not be willings to lend to certains borrowers

Answer 1

Because =
The borrowers may not have proper documents which r needed.
They may not have collateral.
They may not have any asset .
:))

Answer 2

The reasons why banks might not be willing to lend money to certain borrows because :
1 . Lack of collateral.
2 . Lack of proper documentations.
which poor people might not have.