why do people in ruaral area prefer loan frm moneylenders rather thn from commercial banks

In rural and backward areas, usually, people are not qualified and literate enough to apply loan from a commercial bank. Also, the regional moneylenders allow them to get the loan instantly as compared to central banks. People also, do not have access and knowledge of various banking schemes available to them. These reasons make them to borrow money from regional lenders rather that commercial banks.