Insyirah borrowed RM5,200 from RHD Bank on 9 February 2024 at a simple interest rate of \( 4.6 \% \) per annum. Find the amount of loan that she must pay on 13 May 2024 using the exact time and exact simple interest.

To find the total amount Insyirah must pay back, we first need to calculate the simple interest applied on the loan. The formula for simple interest is: \[ \text{Interest} = P \times r \times t \] where: - \( P = 5200 \) RM (the principal), - \( r = 4.6\% = 0.046 \) (the interest rate), - \( t \) is the time in years. Next, let's calculate the time \( t \) from 9 February 2024 to 13 May 2024. There are 93 days between these two dates (20 days in February + 31 days in March + 30 days in April + 12 days in May). To convert days into years for our formula: \[ t = \frac{93}{365} \approx 0.2548 \text{ years} \] Now, we can calculate the interest: \[ \text{Interest} = 5200 \times 0.046 \times 0.2548 \approx 61.33 \text{ RM} \] Finally, the total amount payable would be the principal plus the interest: \[ \text{Total Amount} = 5200 + 61.33 \approx 5261.33 \text{ RM} \] Thus, Insyirah must pay approximately RM5,261.33 on 13 May 2024.