AUGUST 2016: As a boy, my parents would loan me money for larger purchases, like a bicycle. Whenever I earned an extra dollar or two, I gradually paid off what was owed. There was a certain thrill in making that final payment and getting my balance to zero. I trust the people that we support will experience that same sense of satisfaction.

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DECEMBER 2017: I joined Zidisha in August 2016 and have been collecting stats on the service. As of the end of 2017, my accounting shows 94 loans made ... 26 loans were fully repaid ... 16 loans are currently being paid off ... 18 loans received some payments, though not recently ... 5 loans did not reach 100% funding ... 20 loans were fully funded but not distributed ... 9 loans received no repayments and were transferred to the Zidisha Members Loan Fund. Overall, I consider this a SUCCESS RATE OF 47%.

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DECEMBER 2018: My accounting shows 163 loans made ... 57 loans were fully repaid ... 17 loans are currently being paid off ... 34 loans received some payments, though not recently ... 19 loans did not reach 100% funding ... 22 loans were fully funded but not distributed ... 12 loans received no repayments and were transferred to the Zidisha Members Loan Fund ... 2 loans received some repayments and were transferred to the Zidisha Members Loan Fund. Overall, I consider this a SUCCESS RATE OF 45%.

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DECEMBER 2019: My accounting shows 220 loans made ... 96 loans were fully repaid ... 14 loans are currently being paid off ... 32 loans received some payments, though not recently ... 27 loans did not reach 100% funding ... 23 loans were fully funded but not distributed ... 15 loans received no repayments and were transferred to the Zidisha Members Loan Fund ... 13 loans received some repayments and were transferred to the Zidisha Members Loan Fund. Of the loans that were fully repaid, I have received 98.8% of my money back while 1.2% was lost due to exchange rate fluctuations. Overall, I consider this a SUCCESS RATE OF 50%.

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DECEMBER 2020: My accounting shows 256 loans made ... 129 loans were fully repaid ... 12 loans are currently being paid off ... 21 loans received some payments, though not recently ... 29 loans did not reach 100% funding ... 23 loans were fully funded but not distributed ... 18 loans received no repayments and were transferred to the Zidisha Members Loan Fund ... 24 loans received some repayments and were transferred to the Zidisha Members Loan Fund. Of the loans that were fully repaid, I have received 97.9% of my money back while 2.1% was lost due to exchange rate fluctuations. Overall, I consider this a SUCCESS RATE OF 55%.