Borrowers

Repayment record

Repayment score (out of 100)

i

How the score is worked out1Start with the share of instalments paid by their due date, out of 100.2If an instalment is overdue now: 1 point off for every 4 days, 30 at most.3If the fund has written off any money: 25 points off.4For each loan recovered in full: 5 points more, 10 at most.5The score is never below 0 or above 100, and is 99 at most while anything is overdue.For this borrower120 of 20 instalments paid on time (100%)1002Nothing overdue now03Nothing written off043 loans recovered in full (5 points each, 10 at most)+ 105Adds up to 110, so the score is 100Repayment score100

100

Instalments paid by their due date

100% paid on time (20 / 20)

Loans recovered in full

3

This counts only loans from this fund. Being overdue never adds anything to what a borrower owes: there is no interest, no penalty and no late fee.