yes, "real" employment is a problem. especially for the rural people who go to the cities with a skill just for a seasonal job. i suggested they make deposits into the bank of their earnings so this can be used as a record of employment even if they are contracted. will this help?
how about blacklisted (or blocklisted)? this will automatically eliminate them from a loan at a bank. has anyone worked through the process of removing a person from this list?