Microcredit is a money laundering project. You guys don’t need them at all! The sixth bandit comes and says: This week I will collect a tribute from the market of 300 thousand. Take a record.
I borrowed 3,000 dollars and will repay 300 in a week. Wally! Money is clean!
Then you can pursue them on the banks, etc., but these are already small things.

But if the evil person carries money, why refuse. Please do it.