I have defaulted debts totaling 34,000 SAR only. There are no other commitments. My salary is 6,850 SAR from an unaccredited company. I have contacted Emkan and they are offering me a loan of 114,000 SAR based on my salary. * I need to settle this with a promissory note, get the loan, and then pay you back. Please, no one tell me about real estate or other options. Whoever can settle this for me, please speak up. I just need to get the loan and pay you back.