mmmm...

as far as I knew, your sponsor is the one guaranteing you.
Thats why they ask for a NOL from the sponsor for you to get a loan from the bank.

Probably (im not an expert on this) they will charge against your sponsor if you default the bank.

Can anybody confirm?

BTW, it is 75K USD, not QAR. It looks like a loan for car or accomodation more than a personal loan, so probably she doesnt have the money. The asset will remain in Qatar (probably).

War looking for peace,
is like fornication looking for virginity.