Honestly, taking loan from bank is one of those things I have not ventured into throughout my life. I guess this is so because of the stories I've heard about the dangers that goes with taking loan from them. Someone even told me sometime ago that once you take loan from some bank, you would find it difficult to pay back in time. And once this happens, they would come cart away or ceased all the properties you used as collataral for the loan. I guess all these has actually made me to look else whenever I am having financial challenges.
However, I am not really the type that would be in financial crisis requiring a loan from a bank. And whenever I don't have money or I need money for something urgent, they has always being miraculous ways God provide for me.