Please submit your concern

Explanation:

We have to find the reason that is least likely to demotivate Divya. [1], [2] and [3] would clearly demotivate Divya. [5] is not  likely to demotivate Divya as banks always insist on loan repayment on a monthly basis unless one can have some arrangement to delay repayment. However, [4] is completely unlikely to motivate Divya to start the franchise. On the contrary, [4] may motivate her to start  her franchise. Thus, [4] is the better choice for the answer.
Hence, the correct answer is option 4.

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