Yes indeed loans are too risky if you are not capable of paying the loan why should you loan. In acquiring a loan you should consider what are your resources in paying those loans? Do you think you can pay on time? Is your salary enough to pay those debts? If you will use that loan in trading how are you sure you will earn on that particular trading? Those are the questions to consider in acquiring a loan. Loan is very risky we dont even know if we can pay it on the long run. I would have choose to save rather than taking a loan because i am not sure if i could pay on time.