Behaviorists hold that children will model their behavior according to the reactions they receive from others.
Behaviorists believe that all behaviors are acquired through conditioning. Conditioning that is acquired through interaction with the environment. Whereas, psycho- dynamic theory is believed that when something happens in our childhood and through our unconscious mind affects our adulthood.
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(1). Secured loans
Collateral is generally required for secured loans. Secured loan are those for which the borrower, along with a promise to repay, puts up some asset (collateral) as surety for the loan. A secured loan instrument simply means that in the event of default, the lender can use the asset to repay the funds it has advanced the borrower. The risk of default on a secured loans tends to be relatively low since the borrower has so much more to lose by neglecting his financial obligation. Secured loans financing is typically easier for most consumers to obtain. As this type of loan carries less risk for the lender, interest rates are usually lower for a secured loan.
(2). Higher interests rates.
People who get loans but are considered a risk to fully repay them, often get higher interest rate. Because the risk to the lender is increased relative to that of secured debt, interest rates on unsecured debt tend to be correspondingly higher. However, the rate of interest on various debt instruments is largely dependent on the reliability of the issuing entity. An unsecured loan to an individual may carry astronomical interest rates because of the high risk of default.
(3). Higher total payment.
An unsecured loan to an individual may carry astronomical interest rates because of the high risk of default. Lenders issue funds in an unsecured loan based solely on the borrower's creditworthiness and promise to repay. Unsecured loan has no collateral backing, It involves no security, Hence, If the borrower defaults on this type of debt, the lender must initiate a lawsuit to collect what is owed.
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The Fertile Crescent is the boomerang-shaped region of the Middle East that was home to some of the earliest human civilizations. Also known as the “Cradle of Civilization,” this area was the birthplace of a number of technological innovations, including writing, the wheel, agriculture, and the use of irrigation
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ref from history. com
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sorry couldn't get the full pic..but this is the answer.
