This statement almost killed me immediately my mood spoil entrepreneurs in Africa especially in my country are suffering oo, with tears in my eyes .
I left there knowing that God that gave me the idea will water it and those banks will one day come and beg to invest in my idea.
What did you expect? A bank will not invest in ideas but in businesses. To get a loan from a bank, you must be able to demonstrate that you can repay the loan. Thus, the banks generally look for balance sheets, open orders, guarantees, letters of intent, etc...
If you don't have funds to start a business but have an idea that could attract investors, you have a long way to go. Start crowdfunding or seek an angel investor.