Development loans are considered one of the most important economic tools for improving living standards. They aim to support individuals and small and medium-sized enterprises by providing the necessary funding to start or expand productive activities. These loans help create new job opportunities, increase income, and promote self-reliance instead of dependence on aid. Furthermore, development loans contribute to poverty reduction and economic equity by enabling low-income groups to establish income-generating projects in agriculture, industry, or trade. This leads to better purchasing power for families, improved living standards for children, and enhanced access to education and healthcare. In addition, development loans encourage entrepreneurship and innovation, motivating young people to invest in their own projects, which contributes to local economic development and increased national productivity. When properly managed, development loans are an effective instrument for achieving sustainable development and enhancing the overall quality of life in society