everybody who has a valid residence permit and a Qatar ID is eligible to open a bank account. In fact salaries must be paid only through banks (tho not all companies follow this). A salary account does not require a maintaining balance.

Credible companies usually has a system on how to keep track of their employees loan transactions. As NOC for obtaining a loan is required it is a risk for those people giving personal loans. friendship loans are based on trust and therefore exempt the sponsor from this type of transaction.

Usually only small to medium sized companies advertise for the fear of having to pay huge amounts to finance companies.