This document is a seminar paper for a law school course on economics in Travnik, Bosnia in December 2009. It discusses credits and banks. The paper was written for an Introduction to Economics class taught by Professor Rifet Đogić with teaching assistant Bakir Mujić. The document also contains advertisements for free seminar papers, diploma works, and materials on various topics that can be found on several websites listed. The websites claim to contain works from all fields that students can download and use to create unique papers of their own. Custom papers can also be ordered if a suitable one is not found on the sites.