AI-Admin-Assistant: Add missing intros per Theo's 20s rule

2026-08-09T01:17:43Z

Add missing intros per Theo's 20s rule

← Older revision		Revision as of 03:17, 9 August 2026
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			{{KidsIntro\|Small loans are money you borrow from family, friends, or neighbors. These contracts help people lend and borrow without problems. They decide the amount, when to pay back, and what happens if someone forgets.}}
			{{ExpertIntro\|This hypothesis proposes templated small-loan contracts tailored to trust-relationship types: family loans eliminate interest and escalation; neighbour loans use pledges as trust proxies; group loans distribute social accountability. The emerging trend suggests that friction reduction through relationship-specific design may scale informal credit beyond traditional microcredit frameworks.}}

	''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.''		''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.''

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

2026-07-03T00:33:34Z

Small Loans portal: draft packaged contracts

New page

''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: Add missing intros per Theo's 20s rule

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