Which of these is the best explanation for why banks loan money to individuals?

The correct answer for this question is the bank would like to earn a profit by charging interest

Explanation: Money raised (deposited) from customers (individuals, companies, industries and / or government) is used by banks to lend to other customers, so banks charge interest and thus help to circulate money.

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the factors that the economies of the muslim empires prosper were:

1- land trade routes-located between three continents  

2- sea trade routes

trade contributed to the spread of muslim empires, and with that islamic culture led to a growing feeling of internationalism resulted in the transfer of technology, science, and other cultural forms.