In the developing or the underdeveloped countries as per a survey, maximum people are in debt and most of them are under bad credit. The reason for such economic condition of the people is the very economy of those countries. When the condition is so bad the financial institutes operating globally are playing a role by providing loans. 

The loans are altered in their structure as for the need of the people there with low rate loans, with long term payment method and easy monthly installments. This facility though not been utilized  by many people of the underdeveloped countries especially living in the rural, urban living poor have utilized them to some extent.

The bad credit loans are best suite for the people in that financial crisis stuck up in the high interest rates of the local money lenders.

There are subsidies and monetary helps by the United Nations Organization and the World Bank for such countries. These are the countries with very low HDI (Human Development Index).

Home loans are offered with a special interest rates that are too low and can be repaid by them. The people who make the bank loan facility are the comparatively financially well people who have the colorful dressed dream of their life. The people who are below poverty line are just only dependent on the helps by the NGOs and UNO.