It should be possible to use bitcoin for loans, perhaps using a partner company. You should also start register each loan on a blockchain for transparency, e.g. on the bitcoin ledger.
Partners could be Bitcoin Ekasi (https://bitcoinekasi.com/) in South Africa or Bitcoin Beach (https://www.bitcoinbeach.com/) in El Salvador.
By using bitcoin instead of the old fiat currencies EUR och USD, transaction costs will be dramatically reduced and transaction times will be substantially faster. You would eliminate the need for a local bank and thus reduce administrative costs.