who is a person that borrows money or capital
Loan In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time.
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Insurance Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.
Ä Ä (lower case ä) is a character that represents either a letter from several extended Latin alphabets, or the letter A with an umlaut mark or diaeresis.