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One of my relatives is ineligible for financial assistance from the bank. In order to help her, I decide to take a home improvement loan

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One of my relatives is ineligible for financial assistance from the bank. In order to help her, I decide to take a home improvement loan from the bank and further lend it to my relative. The bank is exposed to; a. Adverse selection as well as moral hazard. b. Higher transaction cost c. Adverse selection only d. Moral hazard only

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