Hello Zidisha team, I don't understand this agreement. This is my fourth loan, which I am yet to accept but..."I understand and agree that this loan will have the following deductions: 27,365 KES one-time Members Loan Fund payment and 5% service fee. I will receive a total of -5,004 KES but will still be responsible for repaying the full 23,538 KES loan. Can someone please help me understand this because I never expected a One-time Members Loan Fund payment, the obligation to repay 23,538, and only receiving 5,004 KES. My proposal also stated the intention for the loan and I even made commitments hoping that the loan would save me. Thank you.