Markets/en/Portal:Small Loans/Quality-Criteria:Small Loans
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Section 7 of the Small Loans portal, instantiated from the quality criteria model.
Quality criteria: small loans
Criteria
| Identifier | Dimension | Criterion | Target |
|---|---|---|---|
| QS-SLO-001 | Process | The agreement is signed before the money changes hands. Handover without a signed agreement is flagged. | 100% compliance |
| QS-SLO-002 | Realism | The repayment schedule is explicitly discussed against the borrower's actual means before signature (the contract wizard asks; the answer stays private). Schedules built on hope fail people twice. | 100% of schedules discussed |
| QS-SLO-003 | Dignity | No shaming: reminders and group interventions stay private and follow the agreed ladder. Any public shaming reported and confirmed is a criterion failure. | 0 confirmed incidents |
| QS-SLO-004 | Renegotiation first | Every recovery ladder includes a renegotiation offer before any consequence, and every difficulty announced before the due date receives an answer within [72h]. | 100% of ladders 路 answers within 72h |
| QS-SLO-005 | Both-sided closure | At closing, both parties complete the evaluation, including the "would deal again" question that feeds the portal's second statistic. | At least [95%] completion |
| QS-SLO-006 | Dispute handling | Disputes acknowledged within [24h], resolved or escalated to arbitration within [14 days]. | 100% within deadlines |
Notes
- QS-SLO-002 and QS-SLO-003 are this market's own additions to the neutral model: realism and dignity are where small loans between close persons actually fail.
- Bracketed values are the portal's initial parameters, to be reviewed by the market community as real usage data arrives.
See also