Concept:Startup capital for young small-scale business owners should be easily accessible and low-risk.
Explanation:Atta and Yaro are just starting a small-scale business, so they may not have collateral, business records, or steady income to qualify for loans.
Bank loans and savings and loans companies often require guarantees and charge interest, making them less suitable for beginners.
Loan from potential customers is not a normal or reliable source of startup capital.
Personal savings is the most appropriate because it requires no debt, no interest, and gives them full control over the business.
Answer:C. Personal savings