Final answer:
Maria Ivanov's record of paying off debts sooner than expected will likely result in her being offered loans with lower interest rates due to her demonstration of financial responsibility and reduced risk for lenders.
Step-by-step explanation:
Maria Ivanov's successful track record with her clothing boutique chain, which includes going into debt and then paying it off sooner than expected multiple times, would positively influence the terms of the loans she is offered. Lenders typically favor borrowers with a history of repaying their debts promptly as it indicates financial responsibility and reduces the risk of default.
Based on Maria's record, she is likely to be offered loans with lower interest rates, which would save her money over the term of the loan. Borrowers with a strong credit history like Maria's are often seen as lower-risk, and therefore benefit from more favorable loan terms. This is in line with the principle that paying off debt faster saves money on interest, as is the case with mortgages, where paying more than the minimum can lead to significant savings.
It's less likely that Maria would be offered longer or shorter terms solely based on her repayment history; the term length could be more influenced by the amount of the loan and her preferences. Higher interest rates would generally not apply to Maria since those are reserved for borrowers deemed as higher risk.