Final answer:
Criminal enterprises typically use money laundering to finance their operations, as this process allows them to use illicit gains under the guise of legitimate sources, unlike government agencies or charitable organizations.
Step-by-step explanation:
The groups that have typically used money laundering to finance their operations are Criminal enterprises. Money laundering is the process of making large amounts of money generated by a criminal activity, such as drug trafficking or terrorist funding, appear to have come from a legitimate source. It is a key operation for criminal organizations to utilize their illicit gains without drawing attention. Charitable organizations, government agencies, and educational institutions generally do not engage in these activities. In fact, government agencies are commonly involved in raising funds for public purposes like building roads or mass transit through borrowing, and are subject to regulations and accountability measures to prevent illicit activities.