Financial institutions are very conical in dealings with others. They can beg to bring money for them to use it and build estates, mortgage and occupy landed properties but they will screw you before given you a loan.
Of course any bank cannot approve a loan without any collateral specially if you are borrowing a big amount of money. No bank would accept school certificates to be your loan collateral. Mostly banks require land titles, bonds, stocks, house, car, those are samples of properties that can be accepted as collateral. That is one of the requirement of financial institution if you want to be granted with a loan, of course part of it is your capability to pay, you will need to provide your source of income like guaranteed employment certificate together with your updated payslip and tax certificate. So do not be disappointed if they will not grant you a loan because you need to follow their important requirements.