The first image shows a loan calculator app on a smartphone screen with two different loan scenarios. The left side displays a loan principal of $10,000 with an interest rate of 8% and a tenure of 18 months. The right side shows a loan principal of $5,500 with an interest rate of 10% and a tenure of 12 months. Both scenarios have a total interest payable of $1,500 and a total amount payable of $11,500. The app also displays the total interest payable and the total amount payable for each scenario.