Markets/en/Portal:Small Loans/Statistics:Small Loans

💡 In simple words: This page shows how people measure if small loans between friends work well. It tracks things like: do people pay back the money, do they still want to help each other again, and do they solve problems by talking instead of fighting.

🎯 In 20 seconds (scientific summary): We are heading towards community-based lending metrics that prioritize relational outcomes alongside financial performance. This hypothesis proposes that relationship preservation, renegotiation rates, and trust mechanism adoption are emerging indicators of market health, suggesting that successful small-loan ecosystems measure cooperative resilience rather than strict repayment compliance alone.

Section 5 of the Small Loans portal, instantiated from the statistics model.

Statistics: small loans

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

1. Full repayment rate: share of loans fully repaid (in money or agreed services). The single most telling number.
2. 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.
3. Renegotiation rate: share of loans rescheduled or converted by amendment. High is healthy here: it means people talk before defaulting.
4. Dispute rate: share of loans reaching mediation or beyond.
5. On-time rate: share of installments paid on the original or amended date.
6. Trust mechanisms used: share of loans using a support group, a guarantor, or a pledge.
7. Median amount and duration: the shape of a typical loan.
8. Active participants: people with at least one live loan in the period.

Intended presentation (all figures illustrative)

#	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 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

• Quality criteria · Back to the Small Loans portal