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In microeconomics, neoclassical economics represents incentives and costs as playing a pervasive role in shaping decision making. Moreover, borrowing is not free; the broker usually charges 8-10% interest.
Credit is the provision of resources (such as granting a loan) by one party to another party where that second party does not immediately pay the first party for the resources in full, thereby generating a debt, and instead arranges either to pay for or to return those resources (or equivalent value) at a later date
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