When the business owner has no hope for growth, they will not take loans

Business conditions, especially in goa, are so hostile, that it is almost impossible to find hardworking skilled and honest people
The government is openly encouraging, rewarding LAZY LIARS UNSKILLED FRAUDS openly involved in BANKING, REAL ESTATE FRAUD with raw/cbi salaries for their fraud, while criminally defaming, humiliating, cheating and exploiting hardworking honest skilled citizens, especially small business owners
When business conditions are so hostile, the business owner cannot hope to find any staff who they can trust, they do not even plan to hire anyone or plan for business growth
Since there is no scope for business expansion due to atrocities and fraud of government employees, especially intelligence and security agencies, business owners will not take loans