Most people have a time preference. since this is true, they

Most people have a time preference. Since this is true they must have paid interest to consume later or as called as save now and are willing to pay interest to consume now or as called as save later. In addition to social studies, firms and governments are the demanders for loanable funds and equilibrium in the loanable funds market means the interest rate at which investment equals savings. 

i'll just take the points xd

answer; obscene;