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 · 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

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.