last one people may become reluctant.
Explanation:
Since the intrest is lower, that means you wouldnt have to pay as much, that means people would borrow more not less
From my point of view, Civil Service examinations (also public tendering) are examinations <span>implemented in various countries for recruitment and admission to the civil service. </span>
The question is kinda lacking. Probably, it has choices to make the question answerable.
