1. What percentage of your loans end up being delinquent for each of the countries you are in?

2. How do you handle defaults?

Your FAQ mentions:

If you miss a scheduled payment, Zidisha will issue one courtesy reminder by text message to your mobile phone. If the payment still is not made, Zidisha will request mediation from members of your community. If mediation is not effective, Zidisha may determine that the loan is defaulted. The consequences of defaulting on a Zidisha loan include disqualification from funding any new loans in the future, reporting of the default to your national credit bureau, and legal prosecution resulting in confiscation of property, fines and other legal penalties.

But then I noticed elsewhere on the site, mentions of a “ Credit risk payment: Goes into a fund that compensates lenders for loan defaults”.