Beulah should make 13 (rounded off) payments of $101.75 for her loan amounting to $1372.18 after a year.
To answer this problem, get first the Future Value (FV) of the loan for a year. Given the APR and the amount of loan, FV is computed as follows: FV = $1225 x (1+.0095)¹² = $1372.18
Note that the APR and period were changed to 0.95% and 12, respectively because it has to be compounded monthly.
Now, divide the FV by the monthly payment of $101.75.
Number of payments = $1372.18/$101.75 = 13.48 ≈ 13