Actually loan app was meant to serve as a rescue resources when we are out of emergency fund, but it's obvious that some people misused the opportunity. But I will like to say that anyone taking loan should take loan for a more reasonable thing and pay on time and avoid being embarrassed by loan app and blaming them for ones misfortune.
This work is very advanced but it becomes very difficult to pay for it because if a poor person does not have money then they cannot forward the date through the app which leads to emergency payments. It should work in a time of need because if money comes out of it in vain, then it will be a problem for us, and we will have to pay more money with interest. I don't think it's better to take a loan from the app because it costs more money, and if we borrow from each other, we have to pay less. Giving money in this app is the most difficult thing and it has to be given on time due to which sometimes there is no money.