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.

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