Answer:
0.255 or 25.5%
Explanation:
You want the scale factor that reduces 5.1 inches to 1.3 inches.
Scale factor
The scale factor is the ratio of the image size to the original size:
1.3/5.1 ≈ 0.254902 ≈ 0.255 = 25.5%
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Additional comment
A scale factor of 0.255 would give an image of 1.3005 inches. That's probably close enough. Rounding to the nearest percent, it would be 25%, which would give an image size of 1.275 inches.