diff --git a/changelog/_index.md b/changelog/_index.md
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title: "Changelog"
---
+[25-05-2026]
+- ***UniNote ET DCM1107 Unit12 Self.***
+
[17-05-2026]
-- Add UniNote ET DCM1109 Unit11 Self.
+- ***UniNote BO DCM1109 Unit11 Self.***
[08-05-2026]
-- Add UniNote ET DCM1107 Unit7 Self.
+- ***UniNote ET DCM1107 Unit7 Self.***
[02-05-2026]
-- Add UniNote ET DCM1107 Unit6 Self.
+- ***UniNote ET DCM1107 Unit6 Self.***
[01-05-2026]
-- Add UniNote ET DCM1107 Unit5 Self.
+- ***UniNote ET DCM1107 Unit5 Self.***
[20-04-2026]
-- Add UniNote PBM DCM1110 Unit4 Self.
+- ***UniNote PBM DCM1110 Unit4 Self.***
[15-04-2026]
-- Add UniNote PBM DCM1110 Unit3 Self.
+- ***UniNote PBM DCM1110 Unit3 Self.***
[15-04-2026]
-- Add UniNote BO DCM1109 Unit3 Self.
+- ***UniNote BO DCM1109 Unit3 Self.***
[14-04-2026]
-- Changelog page.
-- Remove year from footer copyright.
-- "Contents" style UniNotes page.
+- ***Changelog page.***
+- ***Remove year from footer copyright.***
+- ***"Contents" style UniNotes page.***
diff --git a/content/uninotes/et-dcm1107-unit12/_index.md b/content/uninotes/et-dcm1107-unit12/_index.md
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@@ -0,0 +1,7 @@
++++
+draft = false
+title = 'Unit 12'
+unit = 'Unit 12'
+layout = 'unit-choice'
+url = '/uninotes/s1/et-dcm1107/unit12/'
++++
diff --git a/content/uninotes/et-dcm1107-unit12/self.md b/content/uninotes/et-dcm1107-unit12/self.md
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@@ -0,0 +1,43 @@
++++
+draft = false
+semester = ['S1']
+subjectcode = ['ET DCM1107']
+unit = 'Unit 12'
+notecategory = 'Self'
+title = 'Unit 12'
+toc = true
+url = '/uninotes/s1/et-dcm1107/unit12/self/'
+uniturl = '/uninotes/s1/et-dcm1107/unit12/'
++++
+
+### ***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.
+
+### Real Rate of Interest
+The actual rate of return after adjusting the nominal interest rate for inflation, reflecting the true purchasing power of money.
+
+### Liquidity
+The ease or availability with which cash or assets can be converted into ready money for immediate use.
+
+## Theories of Interest
+
+| Theory of Interest | Economist(s) | Short Summary |
+| ------------------------------------------- | ----------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------ |
+| **Abstinence Theory of Interest** | **Nassau William Senior** | Interest is the reward paid to people who abstain from present consumption and save money for productive use. |
+| **Bohm-Bawerk’s (Agio) Theory of Interest** | **Eugen von Böhm-Bawerk** (developed from John Rae’s ideas) | Interest arises because people value present goods more highly than future goods; therefore, compensation is needed for postponing consumption. |
+| **Fisher’s Time Preference Theory** | **Irving Fisher** | Interest is the “price of time,” determined by people’s preference for present consumption over future consumption and investment opportunities. |
+| **Loanable Funds Theory** | **Knut Wicksell, Bertil Ohlin, Dennis Robertson** | Interest is determined by the demand and supply of loanable funds, including savings, investment, bank credit, and hoarding. |
+| **Liquidity Preference Theory** | **John Maynard Keynes** | Interest is the reward for parting with liquidity; it is determined by the demand for and supply of money. |
diff --git a/docs/changelog/index.html b/docs/changelog/index.html
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--- a/docs/changelog/index.html
+++ b/docs/changelog/index.html
@@ -1,28 +1,31 @@
-Changelog | Freedoms4
Freedoms4
Changelog
[25-05-2026]
UniNote ET DCM1107 Unit12 Self.
[17-05-2026]
UniNote BO DCM1109 Unit11 Self.
[08-05-2026]
UniNote ET DCM1107 Unit7 Self.
[02-05-2026]
UniNote ET DCM1107 Unit6 Self.
[01-05-2026]
UniNote ET DCM1107 Unit5 Self.
[20-04-2026]
UniNote PBM DCM1110 Unit4 Self.
[15-04-2026]
UniNote PBM DCM1110 Unit3 Self.
[15-04-2026]
UniNote BO DCM1109 Unit3 Self.
[14-04-2026]
Changelog page.
Remove year from footer copyright.
“Contents” style UniNotes page.
\ No newline at end of file
diff --git a/docs/index.xml b/docs/index.xml
index 18d9a18..3c58b60 100644
--- a/docs/index.xml
+++ b/docs/index.xml
@@ -246,7 +246,19 @@ c. Amalgamation</p>
Types of Business Combination<span class="heading__anchor"> <a href="#types-of-business-combination">#</a></span>
</h2><h3 class="heading" id="a-horizontal">
A) Horizontal<span class="heading__anchor"> <a href="#a-horizontal">#</a></span>
-</h3><p>These companies operate at the same level of production, distribution or supply chain.</p>Unit 2https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/Mon, 01 Jan 0001 00:00:00 +0000your-email@example.com (Freedoms4)https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/<h3 class="heading" id="april-12-2026">
+</h3><p>These companies operate at the same level of production, distribution or supply chain.</p>Unit 12https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/Mon, 01 Jan 0001 00:00:00 +0000your-email@example.com (Freedoms4)https://freedoms4.org/uninotes/s1/et-dcm1107/unit12/self/<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>Unit 2https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/Mon, 01 Jan 0001 00:00:00 +0000your-email@example.com (Freedoms4)https://freedoms4.org/uninotes/s1/bo-dcm1109/unit2/self/<h3 class="heading" id="april-12-2026">
<em><strong>April 12, 2026</strong></em><span class="heading__anchor"> <a href="#april-12-2026">#</a></span>
</h3><h2 class="heading" id="primary-sector">
Primary Sector<span class="heading__anchor"> <a href="#primary-sector">#</a></span>
diff --git a/docs/semester/index.html b/docs/semester/index.html
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