Ibrahim is able to lend money to Naif (direct finance) with higher interest rate he can O A. Moral hazard activities that Naif might practice on using the money. get than putting money on the saving account (financial institution), but he still prefers putting his money on the financial institution because he is worried about O B. Naif might be an adverse selection which means Ibrahim lend the money to a wrong person. O C. Asymmetric information which means that Ibrahim does not have enough information about Naif. O D. All of the above is correct. .