<prompt> Translate the following text to EnglishKiwango cha riba ni kiwango kinachotumiwa kuamini riba kwa mfuko wa gawio, na dhidi ya uzoefu huo hupimwa ili kuamua kiasi cha sehemu ya riba ya gawio iliyolipwa kwa wamiliki wa sera za kibinafsi.  <response>: It is the rate used to credit interest to the dividend fund, and against which experience is measured to determine the amount of the interest portion of dividends paid to individual policyholders. 