View source for Markets/en/Portal:Small Loans/Statistics:Small Loans

''Section 5 of the [[Markets/en/Portal:Small Loans/Main|Small Loans portal]], instantiated from the [[Markets/en/Portal:Model/Statistics:Model|statistics model]].''

= Statistics: small loans =

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== Status ==

This market is in concept phase: no contracts have been signed, so no real statistics exist yet. This page defines the indicators the portal intends to publish, in their order of importance, and shows the intended presentation with clearly marked illustrative figures.

== The ordered indicator list ==

# '''Full repayment rate:''' share of loans fully repaid (in money or agreed services). The single most telling number.
# '''Relationship preserved:''' share of closed loans where both parties confirm, in the closing evaluation, that they would deal with each other again. This market exists for this indicator.
# '''Renegotiation rate:''' share of loans rescheduled or converted by amendment. High is healthy here: it means people talk before defaulting.
# '''Dispute rate:''' share of loans reaching mediation or beyond.
# '''On-time rate:''' share of installments paid on the original or amended date.
# '''Trust mechanisms used:''' share of loans using a support group, a guarantor, or a pledge.
# '''Median amount and duration:''' the shape of a typical loan.
# '''Active participants:''' people with at least one live loan in the period.

== Intended presentation (all figures illustrative) ==

{| class="wikitable"
|-
! # !! Indicator !! Example value !! Trend
|-
| 1 || Full repayment rate || 93% || stable
|-
| 2 || Relationship preserved || 90% || rising
|-
| 3 || Renegotiation rate || 35% || rising
|-
| 4 || Dispute rate || 2% || stable
|-
| 5 || On-time rate || 81% || stable
|-
| 6 || Trust mechanisms used || 55% || rising
|-
| 7 || Median amount and duration || CHF 300 · 5 months || stable
|-
| 8 || Active participants || 120 || rising
|}

''Every figure above is illustrative: this market has no data yet. Real publication would follow the anonymization rules of the [[Markets/en/Portal:Model/Statistics:Model|statistics model]], including the minimum aggregation threshold.''

== Why "relationship preserved" ranks second ==

A loan repaid through a process that destroyed the friendship is not a success for this market. Measuring both-sided willingness to deal again, at closing, keeps the portal honest about its real purpose.

== See also ==

* [[Markets/en/Portal:Small Loans/Quality-Criteria:Small Loans|Quality criteria]] · [[Markets/en/Portal:Small Loans/Main|Back to the Small Loans portal]]

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