<prompt> Translate the following text to Englishriba - malipo ya huduma kwa ajili ya matumizi ya fedha au mtaji, kulipwa katika vipindi vilivyokubaliwa na mtumiaji, kawaida kuonyeshwa kama asilimia ya kila mwaka ya msingi zisizo na malipo.  <response>: INTEREST - The service charge for the use of money or capital, paid at agreed intervals by the user, commonly expressed as an annual percentage of outstanding principal. 