Interest rate is the amount that must be paid by the borrower from the principal of the loan and is expressed as a percentage. While the reference interest rate is the interest rate set by certain authorities such as the Fed which often affects the interest rates of other countries' central banks and will also have an impact on commercial banks. So interest rates will have a major impact on the economic/financial sector that plays a role in our daily lives, interest rates will also affect various aspects of life, be it business, finance, investment and of course the price of goods. So in your opinion, what are the impacts if interest rates rise and also the impacts if interest rates fall?