never leave stubs on pruning.. this plant has been pruned at height improperly..

so i suggest you watch a bunch of these.. and see if you cant rejuvenate the plant into a better shape and from ...

im sure the vids will probably cover it all.. but if you want some personal insight.. we need to see the whole plant ...

ken

https://duckduckgo.com/?t=ffab&q=rejuvenation+pruing+of+loquat&iax=videos&ia=videos

btw.. this is a tree.. and there is a tree forum.. pruning rules dont often change due to the type of tree.. e.g. no stubs...

https://duckduckgo.com/?t=ffab&q=pruning+stubs&iax=images&ia=images

it is also a fruit ... and there is a fruit forum.. though im not sure how active it is..

investing in a cheap tree saw is also usually worth the cost ...

ken