<prompt> Hlalosa mohopolo oa sekhahla sa tsoala.nan  <response>: Instruction in English: Explain the concept of interest rate. . Response in English: An interest rate is the percentage of the principal amount of a loan or deposit that is charged or paid by a financial institution over a specified period of time, typically expressed as an annual percentage rate APR. Simply put, it is the price that a borrower pays for the use of a lenders money, or the amount that a saver earns on their savings deposit.Interest rates can be determined by various factors including the supply and demand for credit, inflation rates, and monetary policies set by central banks. Higher interest rates make borrowing more expensive, causing consumers and businesses to cut back on spending and investment, while lower interest rates make borrowing cheaper, fueling growth in the economy.Interest can be calculated in two ways - simple or compound. Simple interest is calculated as a percentage of the original amount borrowed or invested, known as the principal. Compound interest is calculated on the principal amount plus any accumulated interest, allowing the interest to be earned on interest. This way, the balance grows at an increasing rate over time.Interest rates play a crucial role in the economy, and fluctuations in rates can have a significant effect on both borrowers and lenders. As an individual, its important to understand how interest rates work and how they can affect your personal finances. . Response in Sesotho: Sekhahla sa tsoala ke peresente ea chelete e ka sehloohong ea kalimo kapa depositi e lefisoang kapa e lefuoang ke setsi sa lichelete ka nako e behiloeng, eo hangata e hlalosoang e le persente ea selemo APR. Ka mantsoe a bonolo feela, ke theko eo motho ea alimang a e lefang bakeng sa tšebeliso ea chelete ea motho ea alimang, kapa chelete eo moloki a e fumanang polokelong ea hae ea polokelo. Litefiso tsa tsoala li ka khethoa ke lintlha tse fapaneng ho kenyelletsa phepelo le tlhoko ea mokoloto, sekhahla sa inflation, le maano a lichelete a behiloeng ke libanka tse bohareng. Sekhahla se phahameng sa tsoala se etsa hore ho alima ho be theko e boima, ho etsa hore bareki le likhoebo li fokotse tšebeliso ea chelete le matsete, athe phaello e tlase e etsa hore ho alima ho be theko e tlaase, e leng se hlohlelletsang kholo ea moruo. Thahasello e ka baloa ka litsela tse peli - e bonolo kapa e kopane. Tsoala e bonolo e baloa e le peresente ea chelete ea mantlha e alimiloeng kapa e tsetelitsoeng, e tsejoang ka hore ke molaoli oa sekolo. Tsoala e kopaneng e baloa ho chelete e ka sehloohong hammoho le tsoala leha e le efe e bokelletsoeng, ho lumella tsoala hore e fumanoe ka tsoala. Ka tsela ena, tekanyo e eketseha ka lebelo le ntseng le eketseha ka nako. Sekhahla sa tsoala se na le karolo ea bohlokoa moruong, me ho fetoha ha maemo ho ka ba le phello e kholo ho ba alimang le ho ba alimang. Joaloka motho ka mong, ho bohlokoa ho utloisisa hore na litefiso tsa tsoala li sebetsa joang le hore na li ka ama lichelete tsa hau joang. 