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    <title>Bank loans for the educated unemployed</title>
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    <description>Access to bank credit for educated unemployed persons depends on meeting banks&#039; bankability norms; rejections commonly arise from unclear activity, lack of training or managerial capacity, non-viable or inflated business plans, inability to provide required margin money, or prior defaults. The Government facilitates improved access by guiding applicants on applications, identifying suitable business activities, assisting in viable business plan preparation, offering entrepreneurship education, providing model business plans online, and supporting self-employment through complementary government schemes.</description>
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