Good news to most of us here

Very difficult to enforce, there are many reasons financial institutions can cite for an individual not being credit worthy, you cannot force a financial institution to take financial risk by giving out loans to risky customers, unless the government will pay off the debts of the defaulters nobody will be willing to give out money
I suspect what the banks will do to comply with this is to either declare you only able to borrow a small fraction of what you wanted (e.g. you want to borrow 100k wanasema you can only get 10k) or give you the loan at an absurd interest rate hadi unaogopa unajitoa.
 
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