Forum > Borrower Questions > On-time repayment scores Forum Guidelines

  • Zidisha Volunteer
    dave2319
    United Kingdom

    Feb 21, 2018

    Because Fitri and Joost have been talking about on-time repayment scores and how to calculate them, here's an example of how it works:

    Mimin's on-time repayment score shows 89% (9)
    Firstly let's check to see if the 9 in brackets is correct.

    Loan 1: www.zidisha.org/loan/deposi...
    We look at the Actual Payments column and it shows this loan was fully repaid on Nov 30.
    Then we check the Expected Payments column to see how many Expected Payment dates were before Nov 30.
    Answer: 3

    Loan 2: www.zidisha.org/loan/stok-b...
    Checking the Actual Payments column shows it was fully repaid on Nov 11.
    How many Expected Payment dates were before Nov 11?
    Answer: 0

    Loan 3: www.zidisha.org/loan/membel...
    Fully repaid: Nov 25
    Number of Expected Payment dates before Nov 25: 0

    Loan 4: www.zidisha.org/loan/invent...
    Fully repaid: Dec 28
    Number of Expected Payment dates before Dec 28: 1

    Loan 5: www.zidisha.org/loan/restoc...
    Fully repaid: Jan 23
    Number of Expected Payment dates before Jan 23: 3

    Loan 6: www.zidisha.org/loan/pembel...
    Fully repaid: Feb 18
    Number of Expected Payment dates before Feb 18: 2

    3+0+0+1+3+2 = 9, so the 9 in brackets is correct.


    Now let's see if the figure of 89% is correct.
    We do that by checking those 9 Expected Payment dates.

    Loan 1, all 3 of them count. Were all the payments on-time?
    No, the one for Nov 13 was more than 10 days late.

    Loan 4, we're checking the first date. Was the payment on-time? Yes.
    Loan 5, we're checking the first 3 dates. All fine.
    Loan 6, the first 2 dates. Both fine.

    So, 8 out of 9 dates were fine, which is 88.88%, rounded up to 89%, so it's correct.

    • Joshi
      United States

      Feb 21, 2018

      Oh dave2319, the wise one, THANK YOU for these details! It is really helpful.

      So in the OTR score, the number in parenthesis too should be as high as possible and not just percentage. Two loans, both with same number of historical loans can have 100% rating but number in parenthesis can vary not at all/little/substancially. One with higher number is better in terms of stable repayments.

      I literally was about to ask for info about how the number in parenthesis is computed and you post this!! Thanks again.

      • Volunteer Mentor
        Fitri Fauziyah
        Kota Surabaya, Indonesia

        Feb 21, 2018

        The way you addreas Dave like the the way Gandalf/ Elrond call Sam Gamge on the lord of the ring.
        Sam Gamge the wise one.

        Thank you Joshi.

        Translated by Google     Show original

        The way you addreas Dave like the the way Gandalf/ Elrond call Sam Gamge on the lord of the ring.
        Sam Gamge the wise one.

        Thank you Joshi.


        Mimin Munawaroh and Joshi like this.
      • Zidisha Volunteer
        dave2319
        United Kingdom

        Feb 21, 2018

        Yes, that's right, Joshi.
        If Borrower A has a score of 100% (5) and Borrower B has a score of 100% (50) then Borrower A might pay you back quicker, but Borrower B has been proven over a longer period of time and is therefore probably a more reliable and stable option - although obviously you'd want to do other checks as well!

        • Samwel Nyangi
          Nairobi, Kenya

          Feb 22, 2018

          hello Dave
          based on your analysis how can i improve on my time rates/score for abetter progress in this platform.

          kindly advice further.


      • Country Liaison
        Laurie
        United States

        Mar 24, 2018

        You also can read the information I posted here, for advice about how to improve your on-time repayment percentage:
        www.zidisha.org/forum-threa...
        (thread 1347, comment 4702)


        Fitri Fauziyah likes this.
    • Joost
      Noord Brabant, Netherlands

      Feb 21, 2018

      Thank you for the explanation. Now it makes senses.

      It would be nice if the dev team adds an indicator to the repayment tab so the lenders and the borrower can immediately see which payments where on time or late.

      For example something like this:

    • Volunteer Mentor
      George Offei
      Agona Swedru, Ghana

      Feb 23, 2018

      Perfect explanation


    • Hadi Riyana
      Bekasi, Indonesia

      Apr 13, 2018

      I"m sorry Dave I will fix it ... thank you for your attention ... this is very important to keep my score still able to survive ... I also ask the zidisha team to remind payment on the appointed day not before the day its .... thanks Hadi Riyana

      Translated by Google     Show original

      Mohon maaf Dave saya akan memperbaiki nya... terima kasih atas perhatiannya... ini sangat penting untuk menjaga agar skor saya tetap bisa bertahan ... saya juga minta tolong kepada tim zidisha untuk mengingatkan pembayaran di hari yang telah ditetapkan jangan sebelum hari nya.... terimakasih
      Salam hormat

      Hadi Riyana



  • Volunteer Mentor
    Fitri Fauziyah
    Kota Surabaya, Indonesia

    Feb 21, 2018

    Thank you very much Dave. I can see the pattern now. If Mimin paid off her 6th loan on Feb 19 then her expected payment date will be 3, Correct?
    So the expected payment dates derive from the date the borrowers paid off their loan, the schedule date of repayment and the payment which count on-time. Thank you for the correction. This is very important information for borrowers who want to improve their on-time score. I'll share this and save the link.

    And btw thank you for your research and for find out the information to technical team. You are such big help. ;)

    Translated by Google     Show original

    Thank you very much Dave. I can see the pattern now. If Mimin paid off her 6th loan on Feb 19 then her expected payment date will be 3, Correct?
    So the expected payment dates derive from the date the borrowers paid off their loan, the schedule date of repayment and the payment which count on-time. Thank you for the correction. This is very important information for borrowers who want to improve their on-time score. I'll share this and save the link.

    And btw thank you for your research and for find out the information to technical team. You are such big help. ;)


  • Volunteer Mentor
    Fitri Fauziyah
    Kota Surabaya, Indonesia

    Feb 21, 2018

    Hm, I have another question.
    I just looking other borrowers repayment schedule. I saw from Ndungu David repayment schedule. www.zidisha.org/loan/invent...
    His next payment will be on Dec 22 2022. How can his schedule change like that?
    I have only one assumption that his schedule become like that because he change his payment to Zero that made the system wrote he paid zero until the expected date of when he paid of his loan which is around early Dec 2022. Then when he change the amount his installment, the start if his payment schedule will be from early Dec 2022 not up to the date he change the installment. Is it correct?
    When a borrowers already late in payments and their score turn down drastically and they want to start repay their loan and improve their ontime score. What is zidisha suggestion for them? Change the payment to zero first or change the installment little to a point that their payment will be up to date their date they can start repay their loan?

    Translated by Google     Show original

    Hm, I have another question.
    I just looking other borrowers repayment schedule. I saw from Ndungu David repayment schedule. www.zidisha.org/loan/invent...
    His next payment will be on Dec 22 2022. How can his schedule change like that?
    I have only one assumption that his schedule become like that because he change his payment to Zero that made the system wrote he paid zero until the expected date of when he paid of his loan which is around early Dec 2022. Then when he change the amount his installment, the start if his payment schedule will be from early Dec 2022 not up to the date he change the installment. Is it correct?
    When a borrowers already late in payments and their score turn down drastically and they want to start repay their loan and improve their ontime score. What is zidisha suggestion for them? Change the payment to zero first or change the installment little to a point that their payment will be up to date their date they can start repay their loan?


    Mimin Munawaroh likes this.
    • Volunteer Mentor
      Ndungu David
      Kisauni, Kenya

      Feb 21, 2018

      I think it's a bug that is (or was at that time) affecting rescheduled loans. I am waiting for it to be fixed because I definitely don't want to make my next payment in Dec. 2022 :).


      Fitri Fauziyah likes this.
      • Volunteer Mentor
        Fitri Fauziyah
        Kota Surabaya, Indonesia

        Feb 22, 2018

        That's quite long time from now and unfortunately will not improve your ontime score and the number inside parenthesis if the repayment schedule date still like that. I just realize that the repayment rate sorting on project page base on the higher number inside parenthesis first. I thought it was from ontime percentage first then the number inside parenthesis, like 100% (110)- 100% (100) - 99% (150)- 98 (88).

        btw, I'm sorry for using yours for the example without asking your permision first. Thank you Ndungu David.

        Translated by Google     Show original

        That's quite long time from now and unfortunately will not improve your ontime score and the number inside parenthesis if the repayment schedule date still like that. I just realize that the repayment rate sorting on project page base on the higher number inside parenthesis first. I thought it was from ontime percentage first then the number inside parenthesis, like 100% (110)- 100% (100) - 99% (150)- 98 (88).

        btw, I'm sorry for using yours for the example without asking your permision first. Thank you Ndungu David.



  • Zidisha Volunteer
    dave2319
    United Kingdom

    Feb 21, 2018

    Fitri, thanks for the info about David Ndungu's Repayment Schedule. It shouldn't be like that so I've reported it to our Technical Team.


    If Mimin had fully repaid loan 6 on Feb 19 (and Feb 19 is one of her Expected Payment dates) it would depend on the time of day the payment was expected.
    For example, if her payment was expected at 2pm US Eastern Time and she'd sent it at 11am US Eastern Time, that week still wouldn't have counted and the number in brackets would have stayed at 9. If she'd sent it at 5pm US Eastern Time, that week would have counted and the number in brackets would now be 10.


    When people want to try and improve their on-time repayment score, it depends on other factors like the early repayment bonus, but for example, Mimin might want to pass 90%.
    She's just received a new loan: www.zidisha.org/loan/repurc...

    You can see the first Expected Payment date is March 3.
    If she fully repays the loan before that date, her score would stay on 89% (9) - so it would be best to at least wait until March 4 US Eastern Time before fully repaying the loan.
    In fact, her Current Credit Limit page says she'll get an early repayment bonus if paying by March 20, so finishing repaying on March 18 US Eastern Time would add 3 weeks to the score - so the number in brackets would be 12 - and if all 3 were on-time it would be 11 out of 12, so rounded up to 92%.

    • Volunteer Mentor
      Mimin Munawaroh
      Cilacap, Indonesia

      Mar 4, 2018

      Hi Dave,
      I have paid the first installment on time on March 3 but score does not increase as well (stagnant at 89% level), today I am trying to pay back the second installment (past the first installment due date) and the score still does not increase as well.
      Do you have information about this? Thank you

      Translated by Google     Show original

      Hi Dave,
      I have paid the first installment on time on March 3 but score does not increase as well (stagnant at 89% level), today I am trying to pay back the second installment (past the first installment due date) and the score still does not increase as well.
      Do you have information about this? Thank you


      Joost likes this.
      • Zidisha Volunteer
        dave2319
        United Kingdom

        Mar 4, 2018

        Hello Mimin.
        I've just asked our Technical Team how often the score updates. I'll let you know when I've heard back.


        Mimin Munawaroh and Joost like this.
      • Zidisha Volunteer
        dave2319
        United Kingdom

        Mar 5, 2018

        Hello Mimin.
        I see your score's now updated, and I heard back from the Technical Team. They said the scores update at least every 24 hours.

        • Volunteer Mentor
          Mimin Munawaroh
          Cilacap, Indonesia

          Mar 5, 2018

          Hello Dave,
          Yes...my score now updated, thank you so much for your help and information.

          Translated by Google     Show original

          Hello Dave,
          Yes...my score now updated, thank you so much for your help and information.


          dave2319 likes this.

  • Volunteer Mentor
    Fitri Fauziyah
    Kota Surabaya, Indonesia

    Feb 21, 2018

    There is time expected too. I see, that's why you suggested my mentee to pay it 2 days after the date. Thank you so much for sharing this information.

    Translated by Google     Show original

    There is time expected too. I see, that's why you suggested my mentee to pay it 2 days after the date. Thank you so much for sharing this information.


    Mimin Munawaroh likes this.

  • Volunteer Mentor
    Mimin Munawaroh
    Cilacap, Indonesia

    Feb 21, 2018

    Hi Dave, thank you for this great explanation, it also answers my confusion about how to calculate the score, your explanation is very detailed and helps me (and I believe other borrowers too) in calculating on-time repayment scores.

    but I have 1 question about my account:

    "Loan 1, all 3 of them count. Were all the payments on-time? No, the one for Nov 13 was more than 10 days late."

    This is the problem:
    At the end of November 2017, my on-time repayment suddenly drops from 100% to 67% is caused by the technical errors on the system that happened on October 2017 where the last installment payment for my Loan 1 was not credited to my account even though I paid for it on time so that the system assume that I am late.
    Here are details of that technical errors:

    "My 1st loan disbursed at Oct 23, 2017 amount $7.66 for 3 weeks installment.
    my payment history for this loan:
    Oct 25 amount $1.53 (has been credited)
    Nov 3 amount $3.06 (has been credited)
    Nov 5 amount $3.06 (not credited to this loan but credited to 3rd loan)

    My 3rd loan disbursed at Nov 23, 2017 amount $3.78 for 1 week installment.
    my payment history for this loan:
    Nov 25 amount $0.76 (has been credited)
    Nov 27 amount $3.02 (not credited to this loan but credited to 4th loan)

    My 4th loan disbursed at Dec 17, 2017 amount $28.84
    all payments are credited normally

    On Nov 25 I got email that my payment from date Nov 5 amount $3.06 (which should be for the first loan repayment) has been credited to my 3rd loan, so the system assume that my 3rd loan already fully repaid but my 1st loan still not paid off.
    On Nov 30 I paid back $ 3.06 to "pay off" the first installment (its mean double payment and and the system assumed I was late paying the installments so my score goes down from 100% to 67%).
    Payment from Nov 27 has been credited to my 4th loan (which is supposed to pay off the third loan)

    can you help me get the score back to normal again? until now my base credit has not increased because the on-time repayment score is still below 90%, thank you

    Translated by Google     Show original

    Hi Dave, thank you for this great explanation, it also answers my confusion about how to calculate the score, your explanation is very detailed and helps me (and I believe other borrowers too) in calculating on-time repayment scores.

    but I have 1 question about my account:

    "Loan 1, all 3 of them count. Were all the payments on-time? No, the one for Nov 13 was more than 10 days late."

    This is the problem:
    At the end of November 2017, my on-time repayment suddenly drops from 100% to 67% is caused by the technical errors on the system that happened on October 2017 where the last installment payment for my Loan 1 was not credited to my account even though I paid for it on time so that the system assume that I am late.
    Here are details of that technical errors:

    "My 1st loan disbursed at Oct 23, 2017 amount $7.66 for 3 weeks installment.
    my payment history for this loan:
    Oct 25 amount $1.53 (has been credited)
    Nov 3 amount $3.06 (has been credited)
    Nov 5 amount $3.06 (not credited to this loan but credited to 3rd loan)

    My 3rd loan disbursed at Nov 23, 2017 amount $3.78 for 1 week installment.
    my payment history for this loan:
    Nov 25 amount $0.76 (has been credited)
    Nov 27 amount $3.02 (not credited to this loan but credited to 4th loan)

    My 4th loan disbursed at Dec 17, 2017 amount $28.84
    all payments are credited normally

    On Nov 25 I got email that my payment from date Nov 5 amount $3.06 (which should be for the first loan repayment) has been credited to my 3rd loan, so the system assume that my 3rd loan already fully repaid but my 1st loan still not paid off.
    On Nov 30 I paid back $ 3.06 to "pay off" the first installment (its mean double payment and and the system assumed I was late paying the installments so my score goes down from 100% to 67%).
    Payment from Nov 27 has been credited to my 4th loan (which is supposed to pay off the third loan)

    can you help me get the score back to normal again? until now my base credit has not increased because the on-time repayment score is still below 90%, thank you


    Fitri Fauziyah likes this.
    • Volunteer Mentor
      Mimin Munawaroh
      Cilacap, Indonesia

      Feb 21, 2018

      Payment from date Nov 5 to paid off 1st loan has been credited to this 3rd loan:

      Translated by Google     Show original

      Payment from date Nov 5 to paid off 1st loan has been credited to this 3rd loan:


      Fitri Fauziyah likes this.
    • Volunteer Mentor
      Mimin Munawaroh
      Cilacap, Indonesia

      Feb 21, 2018

      Payment from date Nov 27 to paid off 3rd loan has been credited to this 4th loan:

      Translated by Google     Show original

      Payment from date Nov 27 to paid off 3rd loan has been credited to this 4th loan:


      Fitri Fauziyah likes this.
    • Volunteer Mentor
      Mimin Munawaroh
      Cilacap, Indonesia

      Feb 21, 2018

      at end of Nov 2017 I get notice that this first loan still unpaid (because the payment of Nov 5 is not credited to this loan) so I paid back (double payment) on Nov 30 and the system considers me late paying.

      Translated by Google     Show original

      at end of Nov 2017 I get notice that this first loan still unpaid (because the payment of Nov 5 is not credited to this loan) so I paid back (double payment) on Nov 30 and the system considers me late paying.


      Fitri Fauziyah likes this.

  • Zidisha Volunteer
    dave2319
    United Kingdom

    Feb 23, 2018

    Hello Mimin.
    Unfortunately there was a technical problem last October and November which allowed a lot of borrowers to have 2 loans at the same time. This was also the case for you.
    For a period in November you had loan 1 and loan 2 running at the same time, and for another period in November you had loan 1 and loan 3 running at the same time. In November, repayments were crediting against the newest loan, so it was only after you'd finished repaying loans 2 and 3 that the repayments credited against loan 1 again. That's why it shows as a late repayment for loan 1.
    Sorry, unfortunately there's nothing we can do about that. You can only improve your on-time repayment score in the kind of ways I've mentioned above.

    • Volunteer Mentor
      Mimin Munawaroh
      Cilacap, Indonesia

      Feb 24, 2018

      Hello Dave, I understand
      Thank you for your explanation and advice
      well....for now I will pay more attention on my payment schedule

      Translated by Google     Show original

      Hello Dave, I understand
      Thank you for your explanation and advice
      well....for now I will pay more attention on my payment schedule


      Fitri Fauziyah and Andhy Gunawan like this.

  • Zidisha Volunteer
    dave2319
    United Kingdom

    Feb 23, 2018

    Samwel, I see your on-time repayment score is already 93% (69) which is good.
    It would take a while to improve that, but it's best to continue making the repayments on time, and maybe finish repaying the loan sometime in April. If you finish repaying it on April 3, for example, you'll have added another 5 to the number in brackets, although you might still be on 93% because I think it's being rounded up for you at the moment.

    Having said that, you're not going to pick up any further bonuses by deliberately spinning this loan out for longer, so another option could be to repay it soon and try and pick up the early repayment bonus on the next one! If it suits your circumstances of course!


    Samwel Nyangi and Andhy Gunawan like this.
    • Feb 23, 2018

      what is happening to zidisha,i cant post a question and my project is missing fro the project list?? is it another technical error?? or is it only me?


      Andhy Gunawan likes this.
    • Daisy Cheruiyot
      Nakuru, Kenya

      Feb 23, 2018

      hello dave? is there a technical problem with zidisha? i am unable to post a question in the forum??


      Samwel Nyangi likes this.
      • Joost
        Noord Brabant, Netherlands

        Feb 23, 2018

        But... this is a question in the forum. So is the problem solved now?


        Samwel Nyangi likes this.
        • Volunteer Mentor
          Fitri Fauziyah
          Kota Surabaya, Indonesia

          Feb 23, 2018

          I think she mean a post new thread in the forum, one of the screenshoot that I share below is the page of post new thread in forum. Does in your browser the page to make a new thread look normal? mine full of script and there is no comment box to write as the picture I share below.

          Translated by Google     Show original

          I think she mean a post new thread in the forum, one of the screenshoot that I share below is the page of post new thread in forum. Does in your browser the page to make a new thread look normal? mine full of script and there is no comment box to write as the picture I share below.


        • Feb 24, 2018

          no its not. i have tried raising the issue but someone who approves comments here refused to approve my comment,and asked me to use the help button which takes 5days to be responded to. the problem is not solved,and i have asked the issue in the support ticket.as its affecting my account


    • Volunteer Mentor
      Fitri Fauziyah
      Kota Surabaya, Indonesia

      Feb 23, 2018

      Hello, Anthony and Daisy, I think zidisha web still undergoing maintanance.
      One off my mentee send me his page of process to choose loan amount that looks like in this forum.
      Here I share the picture. And btw this forum have been like this since 2 days ago.
      @Anthony have your loan pass the pending review from the staff? Please read the announcement from director.

      Translated by Google     Show original

      Hello, Anthony and Daisy, I think zidisha web still undergoing maintanance.
      One off my mentee send me his page of process to choose loan amount that looks like in this forum.
      Here I share the picture. And btw this forum have been like this since 2 days ago.
      @Anthony have your loan pass the pending review from the staff? Please read the announcement from director.


      Mimin Munawaroh likes this.
      • Charles Manyange
        Nyangusu, Kenya

        Feb 24, 2018

        Check this one as well


      • Feb 24, 2018

        yes fitri,my loan was approved by zidisha staff, infact its lending is on course


        Fitri Fauziyah likes this.
      • Feb 24, 2018

        hey fitri,yes my loan was approved by zidisha staff and was posted for funding,right now its missing from the project list,but when i check the loan,its still course

        below is what i get when i want to raise an issue. and the one moderating the comments,why cant he/she help out instead of frustrating members

        here is what i get


        Fitri Fauziyah likes this.
        • Volunteer Mentor
          Fitri Fauziyah
          Kota Surabaya, Indonesia

          Feb 24, 2018

          @Anthony, Yes, I can not find yours , I tried looking from your name, your loan title.

          I just finally understand the message my mentee tried to say to me yesterday that he unable to choose the loan amount because the place to choose the loan amount didn't available as someone post the picture on another thread.

          I hope the technical team able to fix this soon. Good luck for your loan application.

          Translated by Google     Show original

          @Anthony, Yes, I can not find yours , I tried looking from your name, your loan title.

          I just finally understand the message my mentee tried to say to me yesterday that he unable to choose the loan amount because the place to choose the loan amount didn't available as someone post the picture on another thread.

          I hope the technical team able to fix this soon. Good luck for your loan application.


      • Zidisha Volunteer
        dave2319
        United Kingdom

        Feb 24, 2018

        Hello Anthony.
        Sorry about the problems and the fact someone earlier didn't approve your comment. I've just replied to your support ticket and as I was saying, I've reported the problem of your loan not appearing in the Browse Projects area to our Technical Team.
        I've also mentioned about the problem with HTML appearing written out. I saw it was affecting some areas that have now been fixed, but I see there are still places where it hasn't been fixed, so they'll look into that as well.

    • Samwel Nyangi
      Nairobi, Kenya

      Feb 24, 2018

      hello Dave
      thanks so much your for the advice .



  • Dennis Kipchumba Maru
    Eldama Ravine, Kenya

    Feb 24, 2018

    i am also unnable to post an issue on the forum



  • Ade Saputra
    Dki Jakarta, Indonesia

    Jun 13, 2018

    hello dave, about paying on time, if we make payment before the due date if we get increased credit limit? because lately many cases that show that the payment has been made but the payment has not been confirmed until finally past due from the date of payment that causes our credit score decreased. so how the right solution for this?

    Translated by Google     Show original

    halo dave , soal pembayaran tepat waktu , jika kita melakukan pembayaran sebelum tanggal jatuh tempi apakah kita mendapatkan peningkatkan batas kredit ? karena belakangan ini banyak kasus yang menunjukan bahwa pembayaran sudah dilakukan akan tetapi pembayaran belum di konfirmasi sampai akhirnya lewat jatuh tempo dari tanggal pembayaran yang menyebabkan score kredit kita menurun. jadi bagaimana solusi yang tepat untuk ini ?



  • Country Liaison
    Laurie
    United States

    Jun 13, 2018

    The credit score automatically gets corrected as soon as the payment appears on the Zidisha website, because payments are credited according to the date paid, not the date that the Staff enters the payment onto your Zidisha account. (If it doesn't get corrected automatically at that time, please communicate to the Staff about it on a Support Ticket.)

    To receive a credit-limit increase, the repayment rate (for all of your Zidisha loans, combined, that you ever have taken out) has to be 90% or higher.



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