Ability to repay<span>. The representation of the financial </span>capacity<span> of an individual or an institution to make good on their </span>repayment<span> of a debt or a </span>loan<span>. The </span>ability to repay <span>is considered by a lender when deciding whether to give a </span>loan<span> to an individual or an institution.</span>
The continent that has those degrees are.... Asia
It is not an economic activity - it's linguistic in nature, not economic.
It is not linguistics either - linguistics is a scientific discipline.
It's also not a culture region - this would be a kind of region, and a region is not the same as spread of culture.
The correct answer is "a) cultural diffusion.