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in tali condizioni, a beneficiare sono spesso le organizzazioni criminali, che agiscono e gestiscono il credito a tassi d'usura quando il sistema bancario si rifiuta di sostenere le piccole imprese che non offrono sufficienti garanzie patrimoniali.
criminal organisations are often the ones to gain from these circumstances: they step in and offer loans at exorbitant rates when the banks refuse to support small businesses whose assets are not a sufficient guarantee.