<prompt> Translate the following text to EnglishIkiwa inaweza kufanya hivyo, basi kiwango cha riba halisi cha mkopo itakuwa: Wakopeshaji watatarajia kulipa chini kwa maneno halisi kuliko kiasi wanachokopa.  <response>: If it can do that, then the effective real interest rate on borrowing will be Borrowers will expect to repay less in real terms than the amount they borrow. 