Despite the appeal of renewable energy sources, they currently comprise less than 14% of our global energy supply and generate less than 19% of our electricity. moreover, the "new renewables" account for only a very small fraction of these numbers. the fact that renewables provide little of our energy is a dilemma with multiple causes and consequences. however, most renewable sources are now expanding quickly, and there are many ways in which we can encourage their development and spread.

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan