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In Question 20, the respondent should state how much remains to be repaid on this loan for the land, including principal and interest. The PRINCIPAL is the amount of money or capital borrowed. The INTEREST is a charge or fee for borrowing money, often a percentage of the amount borrowed. In the example here, if the respondent borrowed 100,000 KShs to buy the land, that is the principal that must be repaid. However, suppose the person who lent him the money is also charging interest of 10,000 KShs. Therefore, if the respondent has not started repaying the borrower yet, he must repay 100,000 KShs in principal and 10,000 KShs in interest, for a total debt of 110,000 KShs.