The correct answer is Operant Conditioning.
Operant Conditioning refers to the kind of learning, wherein behavior is empowered and enforced by consequences. For example, you want a child to follow what you would like him or her to do, so you add a punishment if he or she does not apply, which leaves the person no choice but to follow, because they do not want the punishment.
In the savings-borrowing-investing cycle, the person or the individual involved will first borrow money or resources to establish capital for their business ventures. Next, they invest in this capital to produce products that would allow money to come in. Lastly, they pay the amount they borrowed and they 'save' their profits for future use, to use for capital again, or to borrow money for the business.
The Jordan River is the one they share.
