The answer is A
Explanation :- As I have said again and again in all my critical reasoning post. The success to critical reasoning depends on isolating the premise and conclusion. Depending on what the question is asking, we then evaluate the options, based solely upon premise or conclusion.
This is a weaken question and we will evaluate the answer choices based only on the Conclusion of the argument.
Lets quickly identify and isolate the premise and conclusion
Premise 1) Only a small number of banks in California gives personal loans to people.
Premise 2) Because of small number of banks there is no competition among these banks.
Conclusion) Since there is no competition the bank charge higher interest rate.
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