1. A loan gets funded with an extended repayment period, say 12 or 24 months
2. Within a few weeks of getting funded, the loan is repaid in full.
3. The borrower immediately sets up a new loan.
Why do borrowers do this? Is it a way to inflate their loan repayment rate? I don't understand why you would immediately repay a loan that you were just granted and then set up a new one.
Hallo Lender,
in my personal experience, when getting a small loan, they accelerate the mortgage because to pursue the credit limit to go up, I also do it when getting a small loan, speed up the duration for repayment, and the borrower also has his own Strategy to increase the credit limit, on the dash page can also visible credit line notice, there reflects the notification, if paying payment before the specified time, will get an additional bonus credit. therefore after paying off, they will make a new loan application .
Hallo Lender,
in my personal experience, when getting a small loan, they accelerate the mortgage because to pursue the credit limit to go up, I also do it when getting a small loan, speed up the duration for repayment, and the borrower also has his own Strategy to increase the credit limit, on the dash page can also visible credit line notice, there reflects the notification, if paying payment before the specified time, will get an additional bonus credit. therefore after paying off, they will make a new loan application .
George Offei
Volunteer Mentor
Agona Swedru, GhanaFeb 8, 2018
Increasing their current on-time repayment rate is one of the reasons. In addition, some also do that in order to increase their credit limit but forgetting that they need to hold the current loan for a minimum period of time before they can qualify for that increase. Lack of understanding of some of this rule makes a borrower pay off his/her loan within some few weeks of the loan fully funded. Hence we (Volunteer Mentors) need to educate them very well.
Hi Will,
This is usually termed as fraudulent especially if the loan limit is way big.But the loan adjustment allows it. Which is better? failing to pay or not paying. But take for example a new member who applies for a loan in Kenya and is granted a loan of only KES 25. It is much better to repay it immediately and fail to request another or request than failing to pay. Many assume small loans seeing no obligations to pay them. Like in Kenya you cant be reported to CRB with just a loan of KES 100 and less. This is because the penalty is way destructive. Its not so good to generalize the situation at hand.
Hi Will,
Thanks for the question. In my view, the reason are as follows
1. To get the early repayment bonus
2. To increase the loan limit
3. To win lenders trust
4. To get more money and get to the highest loan limit.
We believe that this is what is expected from we borrowers by lenders.
Does it mean that you don't like this?
What do you lenders expect from borrowers? help us to understand. Thanks for the question.
hello Zacharias
your very right my brother why do people want to be rich in one day .
you need to build trust with the lenders , by being honest borrower ,
there's no elevators to success you need to go/ climb the stairs upwards.
Personally, as a lender, I prefer to loan money to people who actually need to borrow the requested amount. this behavior actually makes me trust the borrower LESS because the borrower's stated reasons for the loan may be for a printing machine or bales of wheat when actually the borrower does not need the loan and is doing it for the reasons listed above. I am not saying they are not valid reasons. You have to do what you have to do to increase your loan limit on this platform. If that is your reason, however, I would want that to be listed as the reason in the loan application. Regards,
I think for faithful borrowers this is in a bid to increase the the limits to take more e funds in future. Would kindly ask Will please help me in funding my loan I could really use your help.
Thanks Mr Will. This is one stratagy to increase your credit limit. I normally tell my invitees to make use of the on-time repayment bonus because they are complaining to me that zidisha loan is too small and hence can't help them in their businesses. I told them that if they want to increase their credit limit then(1) They must try to repay all their loans before the set date to get credit limit (2)Time to hold loans(3)Volunteer mentor and l have help them to do that (4)Maintenance of at least 90% repayment rate etc
One thing Mr Will you need to understand is that after loans have been completed the applicant must be given the opportunity immediately to apply new loans are as follows; Base on the information l have gathered from friends and invited members.
1.It takes about 3-5 days before payments are credited to ones account after payments.
2.You have to spend about half an hour on the internet before posting new application. Pictures uploading may take about 10 minutes.(Errors)
3.After posting, it takes about 5-7 days before its been reviewed.
4.After review, it may take about 4-5 days before the loan is fully funded and you will be ask to accept within 3 days.
5.After accepting, it may take about 7-14 days before the loan is finally disbursed.
In a nutshell it makes about a month before one get the loan after payments is completed. So if zidisha tell us to wait for sometimes before we can apply a new loan after payments, then it may take about two month before we get the loan. It's better that applicants are given the opportunity to apply new loan when payments are completed.
Holding of loans are use to control this too.
Thanks.
Hi sir,i think some of the reasons include:#to attain the incentive given for early repayment.#to grow your trust with lenders,eg 90%+.very few lenders or generally human beings can trust strange borrowers/strangers.they base on history to give judgement.so many borrowers would be having great investment ideas at the moment,which require like 300 dollars but since their trustworthiness takes time to be build,they try to accelerate it,as the idea would become outdated.so if maybe after some time,when shorter n secure methods of building trustworthiness have been researched on,some borrowers would be jumping to bigger loans from the word go,esp those in permanent employment and those with established businesses.thanks
Some do this because of small amount they get for example i aplied aloan of ksh1507 iwas given ksh507 ksh1000 was deducted for my membership card so ksh507 was not enough for my loan purpose I have to pay immediately to apply for amount that will archive my purpose
Two things comes to mind readily, (1). The need to access higher loans on time and build trust. (2). If the money available can repay the full loan collected, why delay in fully payment.
It's because some loans don't meet the borrower's budget. They are too small to be used instead repaying quickly and increase credit worthiness seems a better option.
INsomecases it is okay. There are a few cases, and I have one right now, where the borrower pays back the first 2-3 loans within a week at once, asked a much higer loan the 4th time and now is not paying back at all. Just 7% in half a year..... so, a warning is in it's place. Helping with that first loan is not so much risk, the risk gets higher with higher loans......
Titus Kauseni
Community Moderator
Nkana East, ZambiaNov 15, 2020
Dear Hans,
I think some people they need their loans to get grow fast and in other word they need a bigger loan than they receive.
Hello Will.
This happens to increase the credit limit. You are kindly lending to some of us who have been previously prejudiced by strenuous requirements in the traditional SACCOs and banks, hence impoverished to to almost below poverty levels. Therefore, we would love to increase the credit limits so as to meet out business objectives. Kindly, bear with such kind of scenarios. Kind regards,
Martin
Joshi
Community Moderator
United StatesFeb 8, 2018
I have often seen full repayment done within a week and at times, even before the first repayment date!
I do see the need to have credit limit increased quickly. However, in my mind, doing it this way defeats the purpose why the process has been set up this way. The idea is that you prove credit worthiness by starting with small amounts and paying back fully+in time. The increased limit needs to be backed up by such performance.
I dont know about other lenders, but if I see such speedy payments in previous loan payments, I tend to stay away as I am not sure how well the repayments will be for larger amount. I rather take my chance on someone who might have struggled with repayments and has lower rating for On Time Repayments.
Or you could tell the borrower that you don’t want to be repaid early. And that you like them to reinvest the money they have earned to make more profit till it’s time to do a repayment.
But you are right. They must proof their creditworthiness by being able to generate an income from the money they lend.
I agree with you all although I am not a victim but let's look at it this way; someone will take a loan of $450 and adjust the weekly repayment amount to $1or less than that. Doesn't this situation also cause for concern
I think such a repayment amount will take years before making a full repayment of the loan. So I suggest that there should be a limit on the adjustment amount.
A good thought,its always healthy to put everything in a state of moderation,this will satisfy many classes of people.if the repayment period is not given a limit,some loans will take years to be fully repaid.this discourages lenders and even hinders growth on the side of borrowers.in addition,most people who repay early,it doesnt mean that the money has come from the investment they did with the loan.take for example a borrower who takes a loan to buy fertiliser for his young sugarcane crop.for him to realise returns,it will take 14-15 months to harvest and sell.i think that is why in the profile we are usually asked to provide information about our alternative sources of income,to support loan repayments,incase of long term loan investments like a degree course in university.thanks
the bonus is applied if they can hold the minimum loan period and Finish repay the loan before the specified time, why zidisha apply bonus like that ?? I think it is a strategy so that the borrower can pay repayment on time, and it is also a strategy so that borrowers do not delay in paying off the repayment,
if the new borrower holds a loan for a week or two and immediately repay, it is not good. because it is too fast in paying the repayment.
I mean not like that.
accelerate the installment due to the pursuit of repayment before the specified time.
Example: The frequency of our repayment is Juny, but zidisha give a bonus if we can pay before the time specified, ie in May, we are also in the value also counted (on time Repayments)
we only chase 1 month faster to get bonus, if repayment faster before frequency repayment then fund lenders will quickly return and can to give to other borrower.
the bonus is applied if they can hold the minimum loan period and Finish repay the loan before the specified time, why zidisha apply bonus like that ?? I think it is a strategy so that the borrower can pay repayment on time, and it is also a strategy so that borrowers do not delay in paying off the repayment,
if the new borrower holds a loan for a week or two and immediately repay, it is not good. because it is too fast in paying the repayment.
I mean not like that.
accelerate the installment due to the pursuit of repayment before the specified time.
Example: The frequency of our repayment is Juny, but zidisha give a bonus if we can pay before the time specified, ie in May, we are also in the value also counted (on time Repayments)
we only chase 1 month faster to get bonus, if repayment faster before frequency repayment then fund lenders will quickly return and can to give to other borrower.
if the case like that, it is certain that the main purpose is to increase the loan limit quickly.
Many such cases occur in the month of September-November 2017 when the expedited system is still available and borrowers do not need to hold the loan for up to 1 month to increase the loan limit.
The purpose of the zidisha loan is to be utilized and developed on the business or the purpose of the loan, but some borrowers exploit the expedited system just to achieve the maximum loan limit possible.
Their pattern is to apply several loans within 1 month, the loan is repaid after a few days or maybe 1 week of funds received, after reaching certain loan limit (usually 4 digits loan), they stop that loan pattern and change the installment into the smallest installment, resulting in the duration loans become very long to tens of years.
Although now there is a policy that the maximum duration of the loan is 5 years, but there are still some loans with a very long duration that initially use the loan pattern I mentioned above to achieve the highest loan limit.
if the case like that, it is certain that the main purpose is to increase the loan limit quickly.
Many such cases occur in the month of September-November 2017 when the expedited system is still available and borrowers do not need to hold the loan for up to 1 month to increase the loan limit.
The purpose of the zidisha loan is to be utilized and developed on the business or the purpose of the loan, but some borrowers exploit the expedited system just to achieve the maximum loan limit possible.
Their pattern is to apply several loans within 1 month, the loan is repaid after a few days or maybe 1 week of funds received, after reaching certain loan limit (usually 4 digits loan), they stop that loan pattern and change the installment into the smallest installment, resulting in the duration loans become very long to tens of years.
Although now there is a policy that the maximum duration of the loan is 5 years, but there are still some loans with a very long duration that initially use the loan pattern I mentioned above to achieve the highest loan limit.
as you said in the Indonesian sub forum, each member has the right to increase or decrease the amount of installments according to his current condition.
for me, when I get additional income would not hurt if I pay early, as long as done in a natural way.
I mean here is the pattern of loan repayment very quickly (in just a few days or a maximum of 1 week after the funds received) repeatedly done at several loans in 1 month with the aim to reach the highest loan limit, I am sure you understand with that pattern and can distinguish a reasonable early loan repayment or with the above objectives.
Note: for me as a clothing seller, December is a great month because sales increase during high season Christmas and New year, so I can paid off my loan earlier.
as you said in the Indonesian sub forum, each member has the right to increase or decrease the amount of installments according to his current condition.
for me, when I get additional income would not hurt if I pay early, as long as done in a natural way.
I mean here is the pattern of loan repayment very quickly (in just a few days or a maximum of 1 week after the funds received) repeatedly done at several loans in 1 month with the aim to reach the highest loan limit, I am sure you understand with that pattern and can distinguish a reasonable early loan repayment or with the above objectives.
Note: for me as a clothing seller, December is a great month because sales increase during high season Christmas and New year, so I can paid off my loan earlier.
Someone who repays within few days on all loans taken is really not in need and he is there to just rise the loan limit ladder but someone who takes 1 month plus is genuine because the funds he took have already been spent and he is trying his best to gain the limit bonuses. I have been paying my loans quickly because my business growth is stable and much returns are realised and this puts the loan amount or credit limit too small or fixed to meet my business needs but all the same I can never borrow what I dont need. Am grateful for zidisha.
Hi guys, I'm so embarrassed to say this right now BUT my on time repayment rate has slid from 100% to 14% due to a default in repayment over the past few weeks. I was looking to raise my on time repayment rate back up to 80% over the next couple of weeks/months by abiding to my repayment schedule and making on time repayments.
Has any other lender been in such a position and is it possible to raise my on time repayment rate back to where it was?
Thanks for the clarification Joost, this is highly useful.
So I presume if I continue making repayments on the remaining balance on time as highlighted above, there is a probability that my on time repayment rate will slowly but surely move up again?
Looking forward to learning from you on this and thanks again for your selfless service to the Zidisha community.
Fitri Fauziyah
Volunteer Mentor
Kota Surabaya, IndonesiaFeb 12, 2018
Yes. Its gradually up in slowly pace. I don't know the number percentage will add to your score when your payment count as ontime payment. When your payment count as ontime, it will adding the number inside parenthesis. And please remember they credited to US Eastern Time.
Yes. Its gradually up in slowly pace. I don't know the number percentage will add to your score when your payment count as ontime payment. When your payment count as ontime, it will adding the number inside parenthesis. And please remember they credited to US Eastern Time.
Thanks for the detailed explanation. What do you mean by "..and please remember they credited to us eastern time."?
Fitri Fauziyah
Volunteer Mentor
Kota Surabaya, IndonesiaFeb 13, 2018
Zidisha base is at 21900 Muirfield Circle #104 Sterling, Virginia 20164 USA, so every payment will credited to our account according the time there. For example, Indonesia is 12 hours ahead of zidisha base, when I pay my installment early in the morning on Feb 11, it will credited to my account on Feb 10.
That's why when there are payment made and hasn't credited to borrowers account directly, zidisha ask the borrowers to wait 3 days before making a ticket on the procedure page for reporting uncredited payment. Usually borrowers just after paid the installment and their payment hasn't credited to their account yet, they will directly on that day making a ticket and post that in the forum. I'm sure that make a lot of work for zidisha volunteers and staff, if they just wait for 3 days as the procedure on that page, they will give more time for zidisha staff to works on others things that need fast response. The grace period is 10 days. So when one payment hasn't credited to their account, they will still count ontime if they pay their installment as the schedule, it just look a week behind. They can inform their lenders about their uncredited payment and what they've done to inform zidisha staff about their payment. That's my opinion.
Zidisha base is at 21900 Muirfield Circle #104 Sterling, Virginia 20164 USA, so every payment will credited to our account according the time there. For example, Indonesia is 12 hours ahead of zidisha base, when I pay my installment early in the morning on Feb 11, it will credited to my account on Feb 10.
That's why when there are payment made and hasn't credited to borrowers account directly, zidisha ask the borrowers to wait 3 days before making a ticket on the procedure page for reporting uncredited payment. Usually borrowers just after paid the installment and their payment hasn't credited to their account yet, they will directly on that day making a ticket and post that in the forum. I'm sure that make a lot of work for zidisha volunteers and staff, if they just wait for 3 days as the procedure on that page, they will give more time for zidisha staff to works on others things that need fast response. The grace period is 10 days. So when one payment hasn't credited to their account, they will still count ontime if they pay their installment as the schedule, it just look a week behind. They can inform their lenders about their uncredited payment and what they've done to inform zidisha staff about their payment. That's my opinion.
Be encouraged bro,there is hope.mine dropped to about 72%,but im at 82%,a lesson well learned,experience gained.if situations are tough,make use of instalment adjustment opportunity,even reduce to the least possible instalment,then increase after financial recovery,it does not affect your repayment score,a good reason why zidisha is unique n understanding.welcome.
"So instead of paying early you should first change your installment amount so your scheduled repayment dates are recalculated and then you can do 1 large repayment."
I've found this piece of advice, especially useful. I will implement it in certain circumstances. Thanks
According to me paying your loan days after receiving it's show that u don't need that loan .you should keep that money to earn profit then pay back that's the mind of businesses man.
I am new here and my first loan is actually 12 ksh which I have to pay with the membership fee considering I needed to top up on money for an inventory 12 Shillings won't definitely help me, meaning I may pay up early to access the next credit limit which 2500 which can help me in my inventory . So kindly don't generalise it depends on how needy someone is fo funding. And also it would depend on the amount if its anything from 100 dollars upwards you can be suspicious. However, if someone is sourcing goods from a site like Alibaba or Aliexpress buying plenty can increase their credit. Putting in mind manufacturers have a minimum number of pieces you can purchase for certain goods. It would make sense paying so much to ship a few pieces while you could ship in bulk and get subsidised discount prices on goods and shipment.
As long as a borrower is faithful in their repayment otherwise you can deny one a chance to break even.
Joshi
Community Moderator
United StatesNov 8, 2018
Hello Mercy,
I am glad that as new member, you are participating in forum discussions and have put forth borrower's viewpoint here, something other borrowers have pointed out as well. I dont think lenders necessarily consider loans repaid right away as a bad thing and stay away. You are right that there are valid reasons why a borrower would do that. At times, it becomes difficult to determine if indeed a valid reason made you do that. As you get loans via Zidisha, be sure to communicate with your lenders - even if you have difficulties repaying and strive to maintain as high On Time Repayment score as possible.
I will sure contribute to your next loan and give you a chance to prove to be a dependable borrower. Wish you all the best with your vegetable delivery business.
Thanks Joshi My first time to borrow was in January,I was immediately funded but at that time the membership fee equalled the loan which was 21 dollars, I needed the money but by deducting the membership fee I would have had nothing deposited on my account but have had to pay back to access another loan. So though my project was fully funded I didn't accept the loan. Because I had no means of accessing funds to repay. So I declined. Its good for lenders to get feedback from borrowers or the membership fee should be deducted partially from the loan and the rest from payment instalments.
I support Mercy Cheptoo Fully, for beginners at Zidisha, the initial loans are way below the amount required therefore its only wise that once you receive you pay back early.
The whole idea i believe is to get to the stage where you get the right amounts you can invest for profit in your running business.
I use the lower amounts on airtime and data connection fees as i work for higher amounts.
Is this in order as per Zidisha policy?
All zidisha team doing is very good but their charge of credit risk is very high. It takes much of the loan they approved. Can someone enlighten me more on credit risk?
Hi Stephen, once you log in and you press on the pay membership fee, it will direct you to the payment page. If you're using mtn, you just need to type the phone number you are using to make payments. Click on the pay button and a proceed/redirected will appear. Press on that and wait for your verification. Once you get the verification code, enter those codes on the empty space in that column and press on the verify. A page which reads a push notification has been sent to your phone. Press on your home key and dial *170#,choose option 6(my wallet) and choose option 3(my approval) enter your momo pin and approve the transaction. You will receive an email notification from Zidisha confirming your receipt of payment and that's all. You can also reach out to your volunteer mentor for assistance
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