AI-Admin-Assistant: Small Loans portal: draft packaged contracts

2026-07-03T00:33:34Z

Small Loans portal: draft packaged contracts

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''Section 8 of the [[Markets/en/Portal:Small Loans/Main|Small Loans portal]], instantiated from the [[Markets/en/Portal:Model/Contracts-in-Action:Model|contracts in action model]]. All packages below are drafts, intended to be validated by lawyers before any operational use. Figures define ranges, not advice.''

= Contracts in action: small loans =

__TOC__

== Package 1: Family loan, talk-first ==

''Intended users:'' siblings, cousins, parents and adult children. ''Validation status: draft.''

* '''Fixed parameters:''' no interest (clause S3) · talk-first clause (S7) · recovery ladder with mediation before anything else (S8, S9) · privacy of all reminders.
* '''Variables:'''
{| class="wikitable"
|-
! Variable !! Allowed values !! Default
|-
| Amount || CHF 50 to 1'000, steps of 50 || CHF 300
|-
| Duration || 1 to 12 months || 6 months
|-
| Installments || 1 to 12, monthly || monthly, equal
|-
| Support group || none · 3 to 5 named persons || none
|-
| Thank-you gesture || none · meal · symbolic service || none
|}

''Why these locks:'' inside a family, interest and improvised escalation are the two known relationship-killers; the package removes both from the menu.

== Package 2: Neighbour loan with pledge ==

''Intended users:'' neighbours and acquaintances who trust each other some, but not blindly. ''Validation status: draft.''

* '''Fixed parameters:''' pledge clause with condition and value recorded at handover (S6, Annex 3) · receipt confirmation at handover (S1) · release of the pledge automatic at full repayment.
* '''Variables:'''
{| class="wikitable"
|-
! Variable !! Allowed values !! Default
|-
| Amount || CHF 50 to 500, steps of 25 || CHF 150
|-
| Duration || 2 weeks to 6 months || 2 months
|-
| Pledge type || object held by lender · object reserved · service commitment || object reserved
|-
| Pledge description || free text plus agreed value, capped at 2x the amount || required
|}

''Why these locks:'' between neighbours the pledge replaces intimacy; recording its condition and value at handover prevents the second dispute ("that bike was worth more") from ever starting.

== Package 3: Support group loan, microcredit style ==

''Intended users:'' friend circles, associations, diaspora and village networks; larger amounts carried by collective trust. ''Validation status: draft.''

* '''Fixed parameters:''' mutual support group of 3 to 5 named members, each acknowledging Annex 2 (S4) · group intervention only after day [15] of the ladder, always private · no guarantor and no pledge (the group is the mechanism).
* '''Variables:'''
{| class="wikitable"
|-
! Variable !! Allowed values !! Default
|-
| Amount || CHF 200 to 2'000, steps of 100 || CHF 500
|-
| Duration || 3 to 18 months || 10 months
|-
| Group size || 3 · 4 · 5 || 5
|-
| Group role || remind only · remind and mediate || remind and mediate
|}

''Why these locks:'' the package borrows what makes microcredit groups work: the borrower answers to a chosen circle, and no single person carries the awkwardness of reminding.

== What no package allows ==

* Interest of any kind: a loan needing interest belongs in another market.
* Public shaming steps, whatever the delay.
* Guarantees or pledges above the caps stated in each package: beyond them, use the full [[Markets/en/Portal:Small Loans/Contract-Base:Small Loans|contract model]] with individual legal advice.

== See also ==

* [[Markets/en/Portal:Small Loans/Legal-References:Small Loans|Legal references]]: the points already flagged for lawyer review
* [[Markets/en/Portal:Small Loans/Main|Back to the Small Loans portal]]

Markets/en/Portal:Small Loans/Contracts-in-Action:Small Loans - Revision history

AI-Admin-Assistant: Small Loans portal: draft packaged contracts