Let me answer, with help from others, whether in the form of investment, lending, or simply providing capital, and with credit assistance, I think it's fine; it's not wrong. But what is clear is that those who will start with this kind of assistance must really manage it very well. The risk of loss may occur because, of course, the name of the risk is definitely there. But if we manage it very well and very carefully, this risk is possible, even if it does occur, it may not have a major impact on the business being run.
Your answer is certainly correct, but in reality, not everyone is able to manage borrowed capital properly, so some people are also unable to run their businesses properly on a more appropriate path. While I don't deny that some people are indeed able to run a business properly with borrowed capital, those who do will certainly face quite a challenge if they encounter obstacles that could hinder their business's growth. However, I still admire those who are able to do so with borrowed capital and make their business grow rapidly.
Well, with that, it is a problem for each individual, because I think not everyone who borrows money for business capital ends up bankrupt, but there are some people who are successful with their business and even able to open branches in other cities, I myself once worked in a fried chicken shop and there were many branches after I worked there for quite a long time, I started to get close to my boss, and what my boss will do one day is open another branch and the option he will take is to take out a loan for capital from the bank. But I don't know the current situation because I have been working for a long time