Definition: In this task, you are given a sentence or phrase in English. You must translate it to Xhosa in a way that is equivalent in terms of meaning and grammatically correct.

Positive Example 1 -
Input: Rope and its Usage
Output: Intambo nomsebenzi ewenzayo.

Positive Example 2 -
Input: In this chapter are described the various types of rope with which a seaman works, and the manner in which he uses them.
Output: Kwesi sahluko sixelelwa ngendindi zeentambo athi amadoda aselwandle azisebenzise, nangendlela azisebenzisa ngayo.

Negative Example 1 -
Input: Handling of wire rope.
Output: Ulwakhiwo neendidi.

Negative Example 2 -
Input: Handling of vegetable fibre cordage.
Output: Ukuphatheka kwentambo zemifuno.

Now complete the following example -
Input: * personal loans; and

Output: * yimali-mboleko yobuqu; kunye