What is the ruling of the religion on personal loans from banks, if taking the amount contributes to an individual's betterment and helping others in honorable work, and what is the solution if it is unlawful and the amount cannot be repaid currently?

If the loan is interest-free, there is no objection to it; rather, it is religiously desirable. However, if it involves interest, then it is usury (riba), which is religiously forbidden, except in a case of necessity that would lead to destruction or something close to it. Whoever takes a loan with interest must repent and return the borrowed amount without the interest. If the bank forces him to pay the interest, he should pay it, and the sin will be on the bank.