People who want to obtain
from financial institutions can use their
rights to do so.

credit; property.

Explanation:

A financial institution can be defined as corporations that act as an intermediary between capital (debt) markets and the consumers by providing a broad range of business and financial services such as loans, savings, investment, insurance, and other monetary transactions.

Generally, all financial institutions are regulated by the central bank of a country to control the supply of money in the market and protect customers (consumers). Some examples of financial institutions are commercial banks, brokerage firms, credit union, investment banks, asset management firms, etc.

A credit can be defined as an amount of money that is being borrowed from a lender and it is expected to be paid back at an agreed date with interest.

Generally, a financial institution such as a bank giving out credits (sum of money) to eligible customers (borrowers), usually require that they provide a collateral which would be taken over in the event that the borrower defaults (fails) in the repayment of the credit.

Hence, anybody that is interested in obtaining credit from financial institutions can use his or her property rights to do so.

A property right is the exclusive or sole authority which determines the legal ownership of resources and how these resources are to be used, whether by individuals or government.

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