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

  • Volunteer Mentor
    Kwabna Foster Ohene
    Feyiase, Ghana

    Mar 5, 2018

    Is having a good on-time repayment percentage a plus for getting loans funded on time?


    Christian Golo likes this.

  • Joseph Saaquah
    Accra, Ghana

    Mar 5, 2018

    It is one of the factors but doesn't guarantee that with good on-time repayment percentage you get loan as soon as possible. Me for example, this is my 5th loan with 100% on-time repayment percentage but my current loan has expired 2 times. I have reapply for the 3rd time and it 1% funded now.
    Hope you understand me?



  • Volunteer Mentor
    Mimin Munawaroh
    Cilacap, Indonesia

    Mar 5, 2018

    Hello Kwabna,
    as far as I know this is not a guarantee that loans will be funded on time, but some lenders have their own criteria when funding a loan, one of them checks this on-time repayment scores, the higher of on-time repayment is getting better.
    I wish you all the best!!

    Translated by Google     Show original

    Hello Kwabna,
    as far as I know this is not a guarantee that loans will be funded on time, but some lenders have their own criteria when funding a loan, one of them checks this on-time repayment scores, the higher of on-time repayment is getting better.
    I wish you all the best!!



  • Joost
    Noord Brabant, Netherlands

    Mar 5, 2018

    There are many competing loans. I wish I could fund them all but that isn’t possible. So I have to choose the ones with the best profile.

    At first I look at the ones with the most attractive photo’s and I click on to those loan requests to get more info.

    Then I look at the story about the borrower, what he/she is going to buy and how he/she is going to repay his/her loan.

    I also look at the on-time repayment score and the number of on time repayments (between brackets):
    - If this score is high then I know that the risk to give this borrower a loan is low.
    - If this score is low then i also check the comment page because the borrower could have had a good reason to be late. A lender will understand that there are difficult periods in someone’s life. So always provide a comment when you are not able to repay.
    - If the score is low and there is no explanation on the comment page I usually stop being interested to fund that loan.

    When I look at your profile it’s a very good profile with an excellent score and number of repayments. But I am still unable to fund your loan partially because I have to wait till my borrowers are repaying their loan. So don’t give up hope.

    • Sarah Naibei
      Eldoret, Kenya

      Mar 6, 2018

      Thank you for helping small business.sometimes just the goes a long way :-)


      Christian Golo likes this.
    • Volunteer Mentor
      Kwabna Foster Ohene
      Feyiase, Ghana

      Mar 6, 2018

      Joost, you are a genius, thanks for your explanation. I now have deep understanding about this subject. Thanks


      Joost likes this.
    • Volunteer Mentor
      Christian Golo
      Accra, Ghana

      Mar 7, 2018

      All of you lenders are really doing a marvelous work. God Almighty reward you abundantly. I can understand to some extent the difficulties in loaning to people you do not know face to face and also can't do due diligent on their addresses, cash flow etc.
      It's my hope and prayer that this difficult moment of many loans not been funded to be over very soon.
      Joost, you are doing well, please keep it up. God keep you and make you strong and healthy for the days ahead.


      Fitri Fauziyah, Joost and Joshi like this.

  • Maxwell Maina
    Kigumo Town, Kenya

    Mar 9, 2018

    I thank all zidisha lenders for all the support they give to us 'small business entrepreneurs'. Thanks.



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