The financial institution that makes loans to businesses and individuals but offers no other services is a

loan scheme institution

Explanation: Financial institutions Organizations acts as intermediaries for borrowers and savers. They also provide loans, accept deposits, and facilitate financial transactions. Part of it is Investment institutions which specialize in raising money (investment capital) for governments and corporate organization by issuing securities such as stocks or bonds. People buying a company's securities shares are buying into a portion of a company and its earnings or income will shared by share holders of the company. Another one is for financial service which companies offer higher-risk loans to its customers other than banks or credit unions. They issue immediate access to cash for customers, even if the people involved has bad credit ratings. Moreover, they usually charge a higher interest rate compared to other loans from banks and credit institutions.

i think the answer is   b.

majority rule is most important in a representative democracy.