Well, i have not been in zidisha for long, but with little time i have been around, i have experienced a lot from new borrowers, first i could like to acknowledge that some new applicants are not quite aware of how the whole process goes, the two parties involved here fall under two categories; those that join by themselves and those that are invited by existing members. i could rather think that as much as those who join by themselves (not invited by existing members) may not fully understand how the whole process goes, meaning that they don't even take time to read the borrowing FAQs https://www.zidisha.org/faq#borrower-faqs, the ones invited by existing members should take time and explain to them how the whole process goes. The most difficult part of this is the deduction of the members loan fund (MLF). Most new members just opt to start with higher credit limits without knowing how much money will be deducted from their first loans, they further don't understand that the MLF is a one time deduction fee that will entitle them to raise an unlimited number of loans with zidisha in future. My encouragement to all existing members therefore is that whilst they are given the invite bonus to invite a friend who might really be in need of that loan, should act as the their first mentors (rather than the Volunteer mentors) to explain in detail form how the loan shall be disbursed and how much shall be deducted and how much shall be paid back. By so doing, i think that the idea of borrowers missing to pay scheduled payments will decrease and make this great platform of great help to many entrepreneurs around the world. Well done zidisha!!!