Why would a debtor nation prefer to borrow from a bank rather than the IMF, other things

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Why would a debtor nation prefer to borrow from a bank rather than the IMF, other things being equal? Can "other things" ever be equal between commercial bank and IMF loans?
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International Money and Finance

ISBN: 978-0123852472

8th edition

Authors: Michael Melvin, Stefan C. Norrbin

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