Teacher, I just finished my quiz, and this time is little bit hard some grammar I don't very understand, so I have a few questions that I don't understand. What is this question about?   1. Moneylenders, which are not banks, are small lending institutions that make loans to low-income people, who want to start a business and improve their lives.
2. Moneylenders, which are not banks, are small lending institutions that make loans to low-income people who want to start a business and improve their lives. They said that they want me to click on the sentence that uses commas correctly. In the correct sentence, all commas that appear are necessary. and I chose the first one. Can you tell me why I am wrong one and I don't know why?