Sometimes people like this also have a big worry about borrowing but it's not that they can't repay the loan but that they can't get the loan back after they've paid off the debt.
What do you mean by the borrower will have difficulty getting a new loan after paying off the previous debt, in my opinion it is easy to get a new loan if you have collateral as tools/goods to use until the loan is paid off, some people turn loans into profitable businesses but they set strict conditions and high loan interest , so they often depend on loans and will not stop applying for more loans after they have paid off the previous loan.
They try to re-offer loans on the grounds that when closing and not borrowing again then future borrowing will be complicated but this is precisely what makes conditions more complicated where ordinary people are still not too aware that in the end we have to stop activities like this so that our economic conditions become better but with the fear that they cannot borrow money again at the bank, this becomes a very difficult thing for customers to avoid.
Some bank workers often deceive customers who are still unclear about the terms and conditions of loans, they deliberately scare customers by providing false information as if there are new conditions that will make it difficult if they do not apply for a new loan before the final payment in full on the previous loan. We know that the target of bank workers in the field is specifically to achieve the target of new customers who apply for loans. If their performance experiences a decline due to not achieving the new loan target, they will be dismissed or their contract will not be extended.