The question asks what 'easy terms of credit' means from a borrower's perspective. Easy terms of credit are favourable conditions that make borrowing accessible and affordable. Borrowers prefer low interest rates because it reduces the cost of borrowing. They want easy conditions for repayment such as flexible schedules and reasonable instalments. They also prefer less collateral and documentation requirements because excessive collateral demands and complex paperwork can exclude many potential borrowers, especially those who are poor or lack assets. The context notes that 'banks demand collateral which everyone cannot provide,' highlighting that less collateral makes credit more accessible.