2. Prepare an oral presentation or a computer presentation on the topic 'Consumer Loan: Goals, Conditions, Rights and Obligations of Participants, Possible Risks for Borrowers and Lenders.' Discuss it in class.

This question asks for the preparation and discussion of a presentation. As an AI, I cannot 'prepare' or 'discuss' in a classroom setting. However, I can outline the key points that should be covered in such a presentation to fulfill the educational objective:

Topic: Consumer Loan: Goals, Conditions, Rights and Obligations of Participants, Possible Risks for Borrowers and Lenders

I. Introduction
* What is a consumer loan?
* Importance and prevalence in modern economy.

II. Goals of Consumer Loans
* For Borrowers:
* Purchase of goods (appliances, electronics, furniture).
* Financing services (education, travel, medical procedures).
* Consolidating debt.
* Meeting immediate financial needs.
* For Lenders (Banks/Financial Institutions):
* Generating profit through interest.
* Expanding customer base.
* Facilitating economic activity.

III. Conditions of Consumer Loans
* Eligibility criteria:
* Age, income, credit history.
* Employment status.
* Residency requirements.
* Loan terms:
* Loan amount (minimum/maximum).
* Interest rate (fixed vs. variable).
* Loan term (duration of repayment).
* Repayment schedule (monthly installments).
* Fees and charges (origination fees, late fees, prepayment penalties).
* Collateral/Guarantors: Sometimes required for larger or riskier loans.

IV. Rights and Obligations of Participants
* Borrower's Rights:
* Right to clear and complete information about the loan terms before signing.
* Right to repay the loan early (subject to terms).
* Right to dispute incorrect information or unfair practices.
* Right to receive regular statements.
* Borrower's Obligations:
* To repay the loan on time according to the agreed schedule.
* To provide accurate financial information.
* To inform the lender of any changes in circumstances that might affect repayment.
* To adhere to all terms and conditions of the loan agreement.
* Lender's Rights:
* Right to receive timely repayment of principal and interest.
* Right to charge fees and interest as per the agreement.
* Right to take legal action in case of default.
* Lender's Obligations:
* To provide all necessary information about the loan clearly and transparently.
* To assess the borrower's ability to repay.
* To maintain confidentiality of borrower's information.
* To follow fair lending practices.

V. Possible Risks
* For Borrowers:
* Over-indebtedness: Taking on more debt than can be managed.
* High Interest Costs: Especially with variable rates or long terms.
* Late Fees and Penalties: Adding significant costs to the loan.
* Damage to Credit Score: From missed or late payments.
* Risk of Losing Assets: If the loan is secured by collateral.
* For Lenders:
* Default Risk: Borrower's inability or unwillingness to repay.
* Credit Risk: Underestimating the borrower's risk profile.
* Interest Rate Risk: If rates rise and the lender has fixed-rate loans.
* Operational Risk: Errors in processing or managing loans.

VI. Conclusion
* Summary of key takeaways.
* Importance of responsible borrowing and lending.
* Seeking financial advice when needed.