Answer and explanation:
<em>Language </em>and <em>culture </em>affect directly in people's communication. Somebody who grew up in the jungle surrounded by its people is likely to have an open way of communicating with others since that individual has grown up within a society that is in great part his or her family. On the other hand, someone who is raised in a metropolis is likely to be more careful while communicating with others since that person is more exposed to different people with different cultures that react differently to situations.
I believe the answer is: c. to make the loan look more attractive and competitive now
By offering it at low initial rate, the people who borrow money would experience low burden if they plan to return the money within short period of time. This would make them much more likely to obtain a loan, and it also would make the bank that create the loan program looks better compared to their competitors.
