Borrowers Behavior and Policy Awareness on Financial Risk Tolerance of Lending Companies. explain in easy way to understand in a paragraph form

The study "Borrowers Behavior and Policy Awareness on Financial Risk Tolerance of Lending Companies" essentially looks at how the actions and awareness of rules by people who borrow money can affect how much financial risk a lending company is willing to take. In simpler terms, it's like this: Imagine you're lending money to a friend. If you know that friend is responsible and understands the rules of paying you back, you might be more willing to lend them a larger amount. But if they're reckless or don't understand the repayment rules, you might only lend a small amount, or nothing at all. This is because the risk to you - the chance that you won't get your money back - is higher. Lending companies go through a similar thought process when deciding how much money to lend.