Fill in the blanks:

1. Majority of the credit needs of the __________households are met from informal sources.

2. __________costs of borrowing increase the debt-burden.

3. __________issues currency notes on behalf of the Central Government.

4. Banks charge a higher interest rate on loans than what they offer on __________.

5. _________is an asset that the borrower owns and uses as a guarantee until the loan is repaid to the lender.