The financial institution that makes loans to businesses and individuals but offers no other services is a

loan scheme institution

Explanation: Financial institutions Organizations acts as intermediaries for borrowers and savers. They also provide loans, accept deposits, and facilitate financial transactions. Part of it is Investment institutions which specialize in raising money (investment capital) for governments and corporate organization by issuing securities such as stocks or bonds. People buying a company's securities shares are buying into a portion of a company and its earnings or income will shared by share holders of the company. Another one is for financial service which companies offer higher-risk loans to its customers other than banks or credit unions. They issue immediate access to cash for customers, even if the people involved has bad credit ratings. Moreover, they usually charge a higher interest rate compared to other loans from banks and credit institutions.

not really sure i needed the points. sorry

native american contribution: the patriots from britain learn how to hunt, fish, and introduce diversity within cultures.

african americans: indirectly introduced the idea of diversity to americans. africans coming to america because of slavery taught white americans that people come from different backgrounds and colors. it also built america's economic stability for a great period of time. 

women: make america what it is today. there are some societies that are in the world currently that do not give women the same right we give women here in the united states. because women have rights here in the united states, other countries' citizens strive to come to america, especially women, since they have equal rights in the united states. this is important because america is seen and desired by many in the world. 

children: children are our future. we learn from our elders and carry out things the same or differently learning from america's history. we continue tradition and change tradition if it is needed.