Guess we should work out some alternative solutions to assist him in such tight financial situation ..
I've got a friend of mine having the same situation as well but he is lucky coz been staying and working in Ipoh all this while .. consumption is still bearable and consider low.

If possible seeking assistance from relatives or family members will be the 1st priority. But sometimes such issue will really bring problems in between both party. I would suggest to make it as your 1st option before going out looking for banks / credit companies.