FILL IN THE BLANK. Tongtin participation makes it difficult for microfinance providers to understand ________, and to reduce that risk they can ___________. Select the best answer below to fill in the blanks.
a. total client indebtednesses, request information from client about ROSCA participation
b. total client savings, request information from other microfinance banks
c. moral hazard, charge lower interest rates
d. None of these