Brutus Buckey Cafe takes a small business loan with a principal of $20,000$ and an APR of $24\%,$ compounded semi$-$annually. Brutus Buckey makes a re$-$payment at the end of each month. What should be the monthly discount rate for Brutus Buckey?

Group of answer choices

$2\mathrm{.}01\%$

$2\%$

$1\mathrm{.}81\%$

$1\mathrm{.}91\%$