<prompt> Translate the following text to SwahiliIf it can do that, then the effective real interest rate on borrowing will be Borrowers will expect to repay less in real terms than the amount they borrow.  <response>: Ikiwa inaweza kufanya hivyo, basi kiwango cha riba halisi cha mkopo itakuwa: Wakopeshaji watatarajia kulipa chini kwa maneno halisi kuliko kiasi wanachokopa. 