It is true that 74% of loans whose final repayment due date has passed have been repaid. We expect the ultimate repayment rate of those loans will be higher than that, because many loans are repaid after their due dates.

In addition, most of the loans covered by the historical repayment rate displayed in our website were issued over a year ago. Our repayment performance has improved substantially in the past year, such that risk level of loans currently being issued is lower than our historical repayment rate suggests.

Zidisha is still not a safe place to store savings or a lucrative investment opportunity, but I think it's reasonable to expect that the value of lending funds can be preserved over the long term, while offering financing opportunities at dramatically lower cost to the borrowers. As a nonprofit philanthropic platform, that is Zidisha's purpose.