Right.
When uncertain, better categorize it as risk as your data as is incomplete and avoid it.
Short term returns are always dicey.
Apply common sense in lending-simple formula is whether the borrower can repay with out you going into auditor’s mumbojumbo like NPA( non performing assets-meaning not recoverable).
Do not over sell a financial product.
Do not force the borrower to borrow, as in credit card companies.
Allow people to foreclose loans, with out penalty.
Screen your agents who bring in business for you.