Commercial Bank Commercial banks offer various types of loans to consumers. Loans with collateral (secured loans) and loans without collateral (unsecured loans). A secured loan is a guarantee that is backed by something of value such as property. Items of value are called collateral. If the borrower fails to repay the loan, the lender can take ownership of the collateral. Meanwhile, unsecured loans are loans that are not backed by certain assets. In your opinion, what should be the allocation for these loans for the customers of a bank? And what are the terms and conditions that can be agreed upon in providing these two types of loans