Causation

Impact of Interest Rate on Inequality in the One-Lender, Five-Borrower Model

In the one-lender, five-borrower economic model, there is a direct causal relationship between the interest rate and income inequality. An increase in the interest rate, assuming the profit rate is constant, results in a higher income share (s) for the lender. According to the model's Gini formula, g=(6s1)/5g = (6s - 1)/5, a higher value for the lender's share (s) directly leads to a higher Gini coefficient, thus signifying a rise in the overall level of inequality.

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Updated 2026-05-02

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