I take your point. It's just that if those four loans default, you will be down 16%. If that happens, you will lose your principal and also not earn interest on

I take your point. It's just that if those four loans default, you will be down 16%. If that happens, you will lose your principal and also not earn interest on those defaulted loans. So even though you charged an 8.4% APR, you will only earn interest on 84% of your loan balance. So unless a miracle happens, it doesn't seem likely that you will break even. Here are some details on those four loans: * Alex made one late partial payment ($1.17) on his $100 loan and is 108 days late on his second payment: https://www.zidisha.org/microfinance/loan/Macbul/3583.html https://www.zidisha.org/microfinance/loan/Macbul/3583.html * Margret hasn't "rescheduled" her loan even though she hasn't made a payment for four months: https://www.zidisha.org/microfinance/loan/margret-muthoni/3491.html https://www.zidisha.org/microfinance/loan/margret-muthoni/34... * Cynthia missed her first four payments, rescheduled her loan, and is now two months behind: https://www.zidisha.org/microfinance/loan/cynthia1988/3090.html https://www.zidisha.org/microfinance/loan/cynthia1988/3090.h... * Soknya missed three months of payments, rescheduled, and is now 67 days late: https://www.zidisha.org/microfinance/loan/sdndiaye/1908.html https://www.zidisha.org/microfinance/loan/sdndiaye/1908.html