The area of the garden is
.. area = length * width
.. = (15 ft)*(12 ft)
.. = 180 ft^2
Then the number of bags can be computed from
.. 180 ft^2 = (20 ft^2) * (number of bags)
.. (180 ft^2)/(20 ft^2) = (number of bags)
.. 9 = (number of bags)
9 bags of fertilizer are needed to cover the garden.