The government has asked banks to devise low-interest loan schemes for retail borrowers as well as micro and small enterprises, and explore credit products for tribals who may lack collateral. Banks are expected to share inputs by the end of this month and implement the schemes early next financial year, said people familiar with the development. "Banks have been asked to look at various loan schemes and further build upon the existing models such as Grameen Credit Score and the Stand Up India 2.0 scheme," a government official said on condition of anonymity, adding that the aim is to push credit growth.