Credit is the lending of resources by one party to another under a repayment arrangement that benefits both. The lender, or the creditor, provides the means to purchase while the borrower, or debtor, repays the sum plus a certain rate of interest. Lenders assess the credit worthiness of an individual, corporate, or country through a credit rating. Typically, credit rating shows the probability of a borrower repaying the loan. Poor credit rating is often taken to be a sign one is capable of defaulting on a loan. Thus, whenever anyone with poor credit rating obtains a loan, this loan is usually for a shorter term and with higher interest. This section contains articles on the subject of credit.