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<p>The government collects no systematic evidence of the different rates of interest
offered by social and commercial lenders. Interest rates cannot be compared in isolation.
Interest rates applied by all investors, including independent social investment funds,
are calculated based on credit assessments and reflect the risk presented by the individual
organisations seeking investment and the costs of providing finance.</p><p> </p><p>We
have received no complaints that recipients of social investment are being obligated
to accept any investment offer they feel is not beneficial to them. Social investors
in the financial and philanthropic sectors are regulated by the respective regulatory
bodies to ensure compliance to standards.</p>
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