The spelling of the word "loya" is quite unusual and can be a bit confusing. In IPA phonetic transcription, it would be spelled as /ˈlɔɪə/. The first syllable is pronounced as "loy" with a diphthong sound produced by the combination of the "o" and "i" letters. The second syllable is pronounced as "a" with a schwa sound, which is a vowel sound that is pronounced with the least effort. While the spelling might seem strange, the phonetics help us understand how to say the word correctly.