Which of the following is NOT a factor in the determination of an interest rate on borrowed money?

Select one:

- The collateral offered
- The borrower's credit rating
- The borrower's character
- Inflation over time

The  pan-african movement  was an "emotional, cultural, psychological and ideological  movement  that began among the  african  dispora in the western hemisphere, for a closer  purpose, so that  african  people could feel secure, attain political, economic as well as psychological power visa vis other races or world regions" .