<prompt> Bapisa le ho bapisa likarolo tsa lichelete tsa libanka le mekhatlo ea mekoloto.nan  <response>: Instruction in English: Compare and contrast the financial roles of banks and credit unions. . Response in English: Banks and credit unions are two types of financial institutions that offer similar services, including checking and savings accounts, loans, and credit cards. However, there are several key differences between the two in terms of their financial roles, structure and operations.One of the main differences between banks and credit unions is their ownership structure. Banks are typically owned by shareholders and are operated for profit. This means that their primary financial role is to generate revenue for their shareholders. They do this by charging fees for their services, and by earning interest on loans and investments.Credit unions, on the other hand, are not-for-profit institutions that are owned and controlled by their members. Members of a credit union are typically united by a common bond, such as employment, association or residence in a specific geographic area. Credit unions operate on a cooperative basis, with the goal of providing affordable financial services to their members. This means that credit unions typically offer lower fees, higher savings rates and lower loan rates than banks.Another key difference between banks and credit unions is the range of financial products and services they offer. Banks tend to have a wider range of products and services than credit unions, including commercial and investment banking services. Credit unions, on the other hand, tend to focus on consumer banking services, such as personal loans, mortgages and credit cards.In conclusion, while banks and credit unions both offer similar financial products and services, they differ in terms of their ownership structure, financial goals, and the range of products and services offered. Banks operate for profit, with the goal of generating revenue for their shareholders, while credit unions operate on a not-for-profit basis, with the goal of providing affordable financial services to their members. . Response in Sesotho: Libanka le mekhatlo ea mekitlane ke mefuta e meli ea mekhatlo ea lichelete e fanang ka litšebeletso tse tšoanang, ho kenyelletsa le liakhaonte tsa ho hlahloba le ho boloka chelete, likalimo le likarete tsa mokitlane. Leha ho le joalo, ho na le liphapang tse maloa tsa bohlokoa lipakeng tsa tse peli mabapi le karolo ea tsona ea lichelete, sebopeho le tsebetso. E ngoe ea liphapang tse kholo lipakeng tsa libanka le mekhatlo ea mekoloto ke sebopeho sa tsona sa beng ba tsona. Libanka hangata ke tsa beng ba liabo mme li sebetsoa molemong oa phaello. Sena se bolela hore karolo ea bona ea mantlha ea lichelete ke ho etsa chelete bakeng sa beng ba bona ba liabo. Ba etsa sena ka ho lefisa litsebeletso tsa bona, le ka ho fumana tsoala ka likalimo le matsete. Mekhatlo ea mekitlane, ka lehlakoreng le leng, ke litsi tse sa etsetseng phaello tse laoloang ke litho tsa tsona. Litho tsa mokhatlo oa mekitlane hangata li kopantsoe ke bonto e tšoanang, joalo ka mosebetsi, mokhatlo kapa bolulo sebakeng se itseng. Mekhatlo ea mekitlane e sebetsa ka likoporasi, ka sepheo sa ho fana ka litšebeletso tsa lichelete tse fihlellehang ho litho tsa eona. Sena se bolela hore mekhatlo ea mekitlane hangata e fana ka litefiso tse tlase, litefiso tse phahameng tsa polokelo le litefiso tse tlase tsa likalimo ho feta libanka. Phapang e ngoe ea bohlokoa lipakeng tsa libanka le mekhatlo ea mekoloto ke mefuta e mengata ea lihlahisoa tsa lichelete le litšebeletso tseo ba fanang ka tsona. Libanka li na le mefuta e mengata ea lihlahisoa le litsebeletso ho feta mekhatlo ea mekoloto, ho kenyeletsoa litsebeletso tsa banka tsa khoebo le tsa matsete. Mekhatlo ea mekitlane, ka lehlakoreng le leng, e shebana haholo le litsebeletso tsa banka tsa bareki, joalo ka likalimo tsa motho ka mong, mekoloto ea ntlo le likarete tsa mekitlane. Qetellong, leha libanka le mekhatlo ea mekoloto ka bobeli li fana ka lihlahisoa le litsebeletso tse tšoanang tsa lichelete, li fapana ho ea ka sebopeho sa beng ba tsona, lipheo tsa lichelete, le mefuta ea lihlahisoa le litsebeletso tse fanoang. Libanka li sebetsa bakeng sa phaello, ka sepheo sa ho hlahisa chelete bakeng sa beng ba tsona, ha mekhatlo ea mekoloto e sebetsa ka mokhoa o sa etseng phaello, ka sepheo sa ho fana ka litšebeletso tsa lichelete tse fihlellehang ho litho tsa tsona. 