To obtain a microcredit loan, a person typically must
a. be a male and have a source of income
b. provide collateral and sign paperwork
c. verbally promise to pay back the money
d. have a good credit history

b. provide collateral and sign paperwork

Explanation:

Microcredit, in economics and finance, is the extension of very small loans to poor borrowers who typically lack collateral, fixed employment or a verifiable credit history. The initial objective is to support commercial initiatives of people or groups of people with little economic capacity - poor entrepreneurs - and thus reduce the poverty in which they find themselves. It is also intended, in many cases, to empower women and stimulate entire communities because of their extension because in many communities, women lack a stable work history that traditional lenders tend to require.

the hebrew bible is the sacred text of judaism;

the koran is that of islam.

among eastern religions, the sacred scriptures of hinduis are the four vedas and the upanishads, among others.

a main characteristic in these books is that un most of them we find certain "norms" of behavior, as is the case of the bible that has it's commandments. these rules are to regulate the behavior of believers and faithful of their respective faith.

these rules tell us what is right and what is not.

this is a good question! i'll do some research and come back when i have the answer!