app/views/items/_form.html.erb
<%= simple_form_for item, html: { class: 'form-horizontal' } do |f| %>
<fieldset>
<legend><%= title %> Item</legend>
<%= f.simple_fields_for :borrower do |borrower_form| %>
<%= borrower_form.input :name, label: "I lent", placeholder: "John" %>
<% end %>
<%= f.input :title, label: "my", placeholder: 'Cookbook' %>
<div class="form-actions">
<%= f.submit nil, class: 'submit-button' %>
<%= link_to 'Cancel', items_path, class: 'btn' %>
</div>
</fieldset>
<% end %>