Many people in Africa don't have option when they are in dier need of money since financial institution doesn't loan people money easily. So many had to resort to the traditional money lender just to get out of trouble in the first place without knowing that they just called for more trouble as it is often difficult to repay such a loan.

Like you said, developed nations are well organised. They have a working system that makes it easy for financial institutions to offer loan since they know you won't run away, but here in most of the African nations. There is no database to keep people in checked.