100ke might be enough. Once the debt is in enforcement (ulosotto in Finnish), interest can keep accruing at roughly 10%. If your earnings are low, you can pay for years without reducing the principal at all.
What are you doing taking on that kind of risk and starting ventures if your earnings are low? I'm sorry, but if you're a delivery boy living from paycheck to paycheck, you should be trying to get an education, not start a business. That's true in Finland and in the US.
I don't think you understand Finland at all ;-) Even the delivery boy has a master's degree, that's not the issue.
Should get a second one, then, if that's the meta.