Adhisaya Mariam Shaloamy JR and J. Dhivya (2026) “A Descriptive Study on the Reasons for Borrowing Loans Among the Public”, Journal of Economic Studies and Financial Research (e-ISSN: 2584-1629) (p-ISSN: 3140-0140), 7(2), pp. 70–94. doi: 10.46610/JESFR.2026.v07i02.006.