Economist in the house should please explain or give me the link to factors that influence potential investors to borrow even when interest rate is very high. I don't mind if I can get a soft copy.

Thanks

factors influencing potential investors to borrow when interest rate is high in an emerging economy like Nigeria.
factors include:
1. the urgency of the need
2. ignorance
3. when the financial institution becomes last resort
4. lack of information
5. economic situation
6. return on investment
7. price increase in necessity goods
8. government policy
9. individual indebtedness
10.