Explaining who between the two would successfully be able to get the loan from a formal source. Why?

Amrita is a government employee and belongs to a rich urban household whereas Rani works as a helper on a construction site and comes from a poor rural household. Both have a crisis at home and wish to take loan. Create a list of arguments explaining who between the two would successfully be able to get the loan from a formal source. Why?

Amrita would successfully get the loan from a formal source because -

  1. Can do the documentation required.
  2. Can fulfil the terms of credit.
  3. Bank can be assured of repayment of loan by her through EMIs from her salary.