What are the reasons why the banks might not be willing to lend to certain borrowers?

Following are the reasons behind denial of lending loan to certain borrowers:

a) The person who wants to borrow is unable to produce the certificate of earning that results in denying of his borrow request by the bank.

b) Few people are not loyal and don’t pay their debts on time.

c) Few are unable to show their proper and complete documents to the bank at the time of borrowing that may later cause the problem.

d) Few exhibit nothing to give as collateral to the bank.

e) Few of them lacks witnesses as it is needed to assure the bank in case of non-availability of the person in future at the time of payment of his debts.