According to Stiglitz and Weiss (1981) in markets with credit rationing:

which one is correct?

a.

None of the other options

b.

The interest rate charged under credit rationing corresponds to the interest rate set at the intersection between the curve of demand and the curve of supply of loans

c.

When a risk lover borrower manifests the willingness to borrow at a higher interest rate, the bank increases the market interest rate equilibrium

d.

The interest rate charged under credit rationing tend to be lower of the interest rate set at the intersection between the curve of demand and the curve of supply of loans