-I think you should put loans in the bank to make you do things faster eg. Buy a car, buy a property and all neccessary things you can buy.
-For example when you take a loan of 20,000 you should pay it within a certain time but when fail to pay it within the recommended time, you will not be able to access your things such as vehicles and properties until you pay your loan, it depends on what loan you have taken, when you take for example 30,000, let the bank confiscate the vehicle worth the money you took or the property worth the money you took as loan from the bank.
-I would like when one takes a loan the first time let him only be able to take 1,000-10,000 but when you proceed taking loans and paying them you will continue being able to take more loans from the bank. The loan limit should maybe be 1,000-200,000 when you continue taking loans and paying them, but remember when you are taking a loan the first time let you only be able to take 1,000-10,000, your loan earnings will increase when you proceed taking loans and paying them.
-I think this might be great