Thanks for bringing this up. I realized that my original post was unclear, and have edited it to include the following precision: "Large installment" is currently defined as any repayment of over 30% of the loan and over $100. We may adjust this definition as we gain experience, in order to achieve the intended result of entrusting large amounts only to members who have established a track record of consistent on-time repayments over time. In the case you highlighted, the original loan was too small to qualify as a "large installment." The intent of the rule is to protect the community from the risk posed by awarding very large amounts to members who do not yet have strong track records, without unduly restricting the ability of new members to progress to amounts substantial enough to have a real impact on their lives.