Suhani, an enterprising lady took the loan from M/s Koramattam Finance against her gold ornaments
at a simple interest of 12% per annum for 2 years. She, then, loaned 50% of the amount received from
M/s Koramattam Finance, to Vishamber at the rate of 16% per annum compounded half yearly for 2
years and the remaining amount to Kalawati at the rate of 12% per annum compounded
annually for 2 years. What was the approximate percentage earning of Suhani at the end of 2 years ?

Let the original amount of money i.e. Principal taken by Suhani = 2P
The amount of money that she owes back to the loan company at the end of 2 years = 2P + 0.24*2P = 2.48P

Now, she loans amount P to Vishamber.
Amount returned by Vishamber to Suhani under given conditions = $$P\cdot\left(1.08\right)^4$$ = 1.36P

She loans amount P to Kalawati.
Amount returned by Kalawati to Suhani at end of 2 years under given conditions = $$P\cdot\left(1.12\right)^2=1.2544P$$

Amount received by Suhani at end of 2 years = 1.36P +1.2544P = 2.8544P
Earning of Suhani = 2.8544P - 2.48P = 0.3744P