<prompt> tafadhali geuza maudhui haya ya swahili kwenda kwa kiingereza.mikopo salama, basi, ni mikopo ambapo mali ya akopaye inashikiliwa kama dhamana hadi mkopo ulipwe kabisa.  <response>: secured loans, then, are loans where property of the borrower is held as collateral until the loan is completely repaid. 