Poor people especially villagers usually have only two credit sources:

• Local Money lenders: They charge high interest rates and harass if the loan is not paid back on time.
• Banks (legal method): They don't consider these people credit reliable as they don't offer any collateral or consistent income sources.

In this case, due to various barriers, including lack of credit history, geographic isolation, and financial literacy, such people don’t get access to banking and financial services.