Answer:
12
Explanation:
He borrowed 3 Dirhams each from four different friends. Let's say his friends are Omar, Lea, Will and Malik. If he borrowed 3 from each, we have
Omar - 3
Lea - 3
Will - 3
Malik - 3
If we add all together, we have 3 + 3 + 3 + 3 = 12
That means, altogether, he owes his friends 12 Dirhams