What is the formula for determining the annual interest, Financial Management

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What is the formula for determining the annual interest

1. What is the formula for determining the annual interest rate of a loan?

2. Please explain why the financial system is one of the most highly regulated sectors of the economy. Please cite a reference.

3. Find the future value of the following ordinary annuities. Payments are made and interest is compounded as given. R=$5,000, 9% interest compounded annually for 20 years. Is there a calculator function for solving this type of equation?

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