Discussion and explanation of how conventional banks determine th interest rate that thery charge to borrowers acccompanied by an opinion of whether you believe taht it complies with ethical standards or not considering the prevailing level of bank interest rates.
a) Determine whether there are any Usury legislation (legislation pertaining to minimum or maximum interest rates that banks are allowed to charge) that banks have to comply with for the country taht you are situated in and if such legislation exists,what impact it has on the interest rates charged by banks.