Relational algebra query-
$\pi {Borrower.name }(Borrower - \pi Borrower.cardnumber,Borrower.name,Borrower.address,Borrower.phonenumber(\sigma Brrower.cardnumber = BookLoan.cardnumber(Brrower\times BookLoan)))$
SQL
select Borrower.name
from(select * from Borrower)
minus
(select Borrower.(*)
from Borrower W,BookLoan B
where W.cardnumber=B.cardnumber)