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According to Krause and colleagues (2000) , the first step in the three-step process involved in "turning a problem over to God" involves
Interest Rates
The proportion of interest a borrower is charged for loaned funds.
Bank Credit
The total amount of borrowing capacity available to an individual or entity from a bank or other financial institutions, enabling the borrower to make purchases or investments.
Reserve Requirement
The minimum fraction of customer deposits and notes that each commercial bank must hold as reserves rather than lending out, set by the central bank.
Demand Deposits
Bank accounts from which money can be withdrawn at any time without any notice to the institution.
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