List the 3 variables on below Nia has started her own business making clothes. Her customers love her designs and in recent years her business has really grown. Now she wants to open a second location in a nearby city, but to do that she needs to take out a small business loan from the bank. Nia has calculated that she needs to take out a loan for GHS 1,800. Banks typically apply a fee to process any type of loan. In addition, they also charge a monthly interest rate and monthly fees until the loan is fully repaid. The total amount of interest and fees charged is expressed as an Annual Percentage Rate (APR). Nia has the choice of taking out a 2-year loan for a lower interest rate, or a 4-year loan for a higher interest rate. Nia needs to decide which loan would be best for her and her business