Focus and make sure you understand even if it takes a while to get it keep it refreshed in ur head just stay on topic
Answer:
Another effect of the spread of Islam was an increase in trade. Unlike early Christianity, Muslims were not reluctant to engage in trade and profit; Muhammad himself was a merchant. As new areas were drawn into the orbit of Islamic civilization, the new religion provided merchants with a safe context for trade.
The correct answer is a Credit Union.
Credit Unions are able to charge lower rates than a bank because of their structure. Banks are set up as a for-profit business, so they charge more in order to make themselves more profitable. Credit Unions are set up like cooperatives where the customers own them, or like a non-profit organization. This allows Credit Unions to charge lower rates. Additionally, the Credit Unions normally distributes the profit back to the customer.
