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<!doctype html><html class=html lang=en-us dir=ltr><head><meta charset=utf-8><meta name=viewport content="width=device-width"><title>Unit 12 | Freedoms4</title><link rel=stylesheet href=/css/style.min.34d0accb85f8ec23ceee8c29eef5907823b531d8acb9e6bdf45a3b37ad028d30.css integrity="sha256-NNCsy4X47CPO7owp7vWQeCO1Mdisuea99Fo7N60CjTA=" crossorigin=anonymous><link rel=icon href=/favicon.ico><meta name=description content=" May 25, 2026 # Definitions # Interest # The payment or reward given for borrowing money or using capital for a specific period of time.
Gross Interest # The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.
Net Interest # The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience."><meta property="og:url" content="https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/"><meta property="og:site_name" content="Freedoms4"><meta property="og:title" content="Unit 12"><meta property="og:description" content="May 25, 2026 # Definitions # Interest # The payment or reward given for borrowing money or using capital for a specific period of time.
Gross Interest # The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.
Net Interest # The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience."><meta property="og:locale" content="en_us"><meta property="og:type" content="article"><meta property="article:section" content="uninotes"><meta itemprop=name content="Unit 12"><meta itemprop=description content="May 25, 2026 # Definitions # Interest # The payment or reward given for borrowing money or using capital for a specific period of time.
Gross Interest # The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.
Net Interest # The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience."><meta itemprop=wordCount content="282"><meta itemprop=keywords content="S1,ET DCM1107"><link rel=stylesheet href=/css/custom.css><script>(function(){var e=localStorage.getItem("theme");e&&document.documentElement.setAttribute("data-theme",e),localStorage.getItem("f4_username")==="hyzen"&&document.documentElement.classList.add("hyzen-user")})()</script><script async src=https://plausible.freedoms4.org/js/pa-5BKl0z0RLzwrclKq4y-qk.js></script><script>(window.plausible=window.plausible||function(){(plausible.q=plausible.q||[]).push(arguments)},plausible.init=plausible.init||function(e){plausible.o=e||{}}),plausible.init()</script></head><body class=body><header class=header><div class=brand><img src=/logo.png alt="Freedoms4 logo"><h1>Freedoms4</h1><div class=brand__actions><button class=theme-toggle id=theme-toggle aria-label="Toggle theme" title="Toggle dark/light mode">
<!doctype html><html class=html lang=en-us dir=ltr><head><meta charset=utf-8><meta name=viewport content="width=device-width"><title>Unit 12 | Freedoms4</title><link rel=stylesheet href=/css/style.min.34d0accb85f8ec23ceee8c29eef5907823b531d8acb9e6bdf45a3b37ad028d30.css integrity="sha256-NNCsy4X47CPO7owp7vWQeCO1Mdisuea99Fo7N60CjTA=" crossorigin=anonymous><link rel=icon href=/favicon.ico><meta name=description content="May 25, 2026 Definitions Interest The payment or reward given for borrowing money or using capital for a specific period of time.
Gross Interest The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.
Net Interest The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.
Nominal Rate of Interest The stated rate of return on a loan or investment without considering the effect of inflation."><meta property="og:url" content="https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/"><meta property="og:site_name" content="Freedoms4"><meta property="og:title" content="Unit 12"><meta property="og:description" content="May 25, 2026 Definitions Interest The payment or reward given for borrowing money or using capital for a specific period of time.
Gross Interest The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.
Net Interest The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.
Nominal Rate of Interest The stated rate of return on a loan or investment without considering the effect of inflation."><meta property="og:locale" content="en_us"><meta property="og:type" content="article"><meta property="article:section" content="uninotes"><meta itemprop=name content="Unit 12"><meta itemprop=description content="May 25, 2026 Definitions Interest The payment or reward given for borrowing money or using capital for a specific period of time.
Gross Interest The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.
Net Interest The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.
Nominal Rate of Interest The stated rate of return on a loan or investment without considering the effect of inflation."><meta itemprop=wordCount content="273"><meta itemprop=keywords content="S1,ET DCM1107"><link rel=stylesheet href=/css/custom.css><script>(function(){var e=localStorage.getItem("theme");e&&document.documentElement.setAttribute("data-theme",e),localStorage.getItem("f4_username")==="hyzen"&&document.documentElement.classList.add("hyzen-user")})()</script><script async src=https://plausible.freedoms4.org/js/pa-5BKl0z0RLzwrclKq4y-qk.js></script><script>(window.plausible=window.plausible||function(){(plausible.q=plausible.q||[]).push(arguments)},plausible.init=plausible.init||function(e){plausible.o=e||{}}),plausible.init()</script></head><body class=body><header class=header><div class=brand><img src=/logo.png alt="Freedoms4 logo"><h1>Freedoms4</h1><div class=brand__actions><button class=theme-toggle id=theme-toggle aria-label="Toggle theme" title="Toggle dark/light mode">
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@@ -18,7 +21,7 @@ Blog posts</button></div></div></div></div><nav class="menu language"><ul class=
› <a href=/uninotes/s1/>S1</a> › <a href=/uninotes/s1/et-dcm1107/>ET DCM1107</a> ›
<a href=/uninotes/s1/et-dcm1107/unit12/>Unit 12</a> ›
<span>Self</span></nav><div class=uninotes-meta><span class=uninotes-meta__pill>S1</span> <span class=uninotes-meta__pill>ET DCM1107</span>
<span class="uninotes-meta__pill uninotes-meta__pill--self">Self</span></div><h1>Unit 12</h1><details class=toc><summary class=toc__summary>Table of Contents</summary><nav id=TableOfContents><ul><li><ul><li><a href=#may-25-2026><em><strong>May 25, 2026</strong></em></a></li></ul></li><li><a href=#definitions>Definitions</a><ul><li><a href=#interest>Interest</a></li><li><a href=#gross-interest>Gross Interest</a></li><li><a href=#net-interest>Net Interest</a></li><li><a href=#nominal-rate-of-interest>Nominal Rate of Interest</a></li><li><a href=#real-rate-of-interest>Real Rate of Interest</a></li><li><a href=#liquidity>Liquidity</a></li></ul></li><li><a href=#theories-of-interest>Theories of Interest</a></li></ul></nav></details><h3 class=heading id=may-25-2026><em><strong>May 25, 2026</strong></em><span class=heading__anchor> <a href=#may-25-2026>#</a></span></h3><h2 class=heading id=definitions>Definitions<span class=heading__anchor> <a href=#definitions>#</a></span></h2><h3 class=heading id=interest>Interest<span class=heading__anchor> <a href=#interest>#</a></span></h3><p>The payment or reward given for borrowing money or using capital for a specific period of time.</p><h3 class=heading id=gross-interest>Gross Interest<span class=heading__anchor> <a href=#gross-interest>#</a></span></h3><p>The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.</p><h3 class=heading id=net-interest>Net Interest<span class=heading__anchor> <a href=#net-interest>#</a></span></h3><p>The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.</p><h3 class=heading id=nominal-rate-of-interest>Nominal Rate of Interest<span class=heading__anchor> <a href=#nominal-rate-of-interest>#</a></span></h3><p>The stated rate of return on a loan or investment without considering the effect of inflation.</p><h3 class=heading id=real-rate-of-interest>Real Rate of Interest<span class=heading__anchor> <a href=#real-rate-of-interest>#</a></span></h3><p>The actual rate of return after adjusting the nominal interest rate for inflation, reflecting the true purchasing power of money.</p><h3 class=heading id=liquidity>Liquidity<span class=heading__anchor> <a href=#liquidity>#</a></span></h3><p>The ease or availability with which cash or assets can be converted into ready money for immediate use.</p><h2 class=heading id=theories-of-interest>Theories of Interest<span class=heading__anchor> <a href=#theories-of-interest>#</a></span></h2><div class=table-wrapper><table><thead><tr><th>Theory of Interest</th><th>Economist(s)</th><th>Short Summary</th></tr></thead><tbody><tr><td><strong>Abstinence Theory of Interest</strong></td><td><strong>Nassau William Senior</strong></td><td>Interest is the reward paid to people who abstain from present consumption and save money for productive use.</td></tr><tr><td><strong>Bohm-Bawerk’s (Agio) Theory of Interest</strong></td><td><strong>Eugen von Böhm-Bawerk</strong> (developed from John Rae’s ideas)</td><td>Interest arises because people value present goods more highly than future goods; therefore, compensation is needed for postponing consumption.</td></tr><tr><td><strong>Fisher’s Time Preference Theory</strong></td><td><strong>Irving Fisher</strong></td><td>Interest is the “price of time,” determined by people’s preference for present consumption over future consumption and investment opportunities.</td></tr><tr><td><strong>Loanable Funds Theory</strong></td><td><strong>Knut Wicksell, Bertil Ohlin, Dennis Robertson</strong></td><td>Interest is determined by the demand and supply of loanable funds, including savings, investment, bank credit, and hoarding.</td></tr><tr><td><strong>Liquidity Preference Theory</strong></td><td><strong>John Maynard Keynes</strong></td><td>Interest is the reward for parting with liquidity; it is determined by the demand for and supply of money.</td></tr></tbody></table></div><nav class=page-nav><a class=page-nav__previous-link href=/uninotes/s1/et-dcm1107/unit7/>← Unit 7</a>
<span class="uninotes-meta__pill uninotes-meta__pill--self">Self</span></div><h1>Unit 12</h1><details class=toc><summary class=toc__summary>Table of Contents</summary><nav id=TableOfContents><ul><li><ul><li><a href=#may-25-2026><em><strong>May 25, 2026</strong></em></a></li></ul></li><li><a href=#definitions>Definitions</a><ul><li><a href=#interest>Interest</a></li><li><a href=#gross-interest>Gross Interest</a></li><li><a href=#net-interest>Net Interest</a></li><li><a href=#nominal-rate-of-interest>Nominal Rate of Interest</a></li><li><a href=#real-rate-of-interest>Real Rate of Interest</a></li><li><a href=#liquidity>Liquidity</a></li></ul></li><li><a href=#theories-of-interest>Theories of Interest</a></li></ul></nav></details><h3 class=heading id=may-25-2026><em><strong>May 25, 2026</strong></em></h3><h2 class=heading id=definitions>Definitions</h2><h3 class=heading id=interest>Interest</h3><p>The payment or reward given for borrowing money or using capital for a specific period of time.</p><h3 class=heading id=gross-interest>Gross Interest</h3><p>The total amount paid by the borrower to the lender for using borrowed money before deducting taxes, service charges, or other expenses.</p><h3 class=heading id=net-interest>Net Interest</h3><p>The actual or pure interest earned or paid after excluding additional charges such as risk, management costs, and inconvenience.</p><h3 class=heading id=nominal-rate-of-interest>Nominal Rate of Interest</h3><p>The stated rate of return on a loan or investment without considering the effect of inflation.</p><h3 class=heading id=real-rate-of-interest>Real Rate of Interest</h3><p>The actual rate of return after adjusting the nominal interest rate for inflation, reflecting the true purchasing power of money.</p><h3 class=heading id=liquidity>Liquidity</h3><p>The ease or availability with which cash or assets can be converted into ready money for immediate use.</p><h2 class=heading id=theories-of-interest>Theories of Interest</h2><div class=table-wrapper><table><thead><tr><th>Theory of Interest</th><th>Economist(s)</th><th>Short Summary</th></tr></thead><tbody><tr><td><strong>Abstinence Theory of Interest</strong></td><td><strong>Nassau William Senior</strong></td><td>Interest is the reward paid to people who abstain from present consumption and save money for productive use.</td></tr><tr><td><strong>Bohm-Bawerk’s (Agio) Theory of Interest</strong></td><td><strong>Eugen von Böhm-Bawerk</strong> (developed from John Rae’s ideas)</td><td>Interest arises because people value present goods more highly than future goods; therefore, compensation is needed for postponing consumption.</td></tr><tr><td><strong>Fisher’s Time Preference Theory</strong></td><td><strong>Irving Fisher</strong></td><td>Interest is the “price of time,” determined by people’s preference for present consumption over future consumption and investment opportunities.</td></tr><tr><td><strong>Loanable Funds Theory</strong></td><td><strong>Knut Wicksell, Bertil Ohlin, Dennis Robertson</strong></td><td>Interest is determined by the demand and supply of loanable funds, including savings, investment, bank credit, and hoarding.</td></tr><tr><td><strong>Liquidity Preference Theory</strong></td><td><strong>John Maynard Keynes</strong></td><td>Interest is the reward for parting with liquidity; it is determined by the demand for and supply of money.</td></tr></tbody></table></div><nav class=page-nav><a class=page-nav__previous-link href=/uninotes/s1/et-dcm1107/unit7/>← Unit 7</a>
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