Hi questionmark, This detailed review is enormously helpful - I can't thank you enough! Today we made the following changes in the new website, and they should be deployed shortly: Added the display of VM status in the Lend and profile pages, along with a list of mentees Removed expired loans from the "Other loans list" Reintroduced the option to display funded loans in one's profile page Corrected the status label for loans pending disbursement in the "Your Loans" page Regarding other points you mentioned: To clarify, do you mean that the amount repaid and outstanding is zero in the "Your Loans" page? Are these loans made with invite credit? Installment amount adjustment (the old "rescheduling") comments are now displayed in the "Discussion" tab, along with the other comments. The functionality to not display inactive VMs and to remove the option to choose onself as a VM is on our to-do list. We allow borrowers to accept partial loans, in keeping with our general principle of allowing flexibility and trusting borrowers to make prudent decisions about their loan use. The reality is that many borrowers supplement loans with their own savings anyway, especially early on when maximum loan sizes are small, and business plans often change in response to changing circumstances. We allow borrowers to modify installment amounts soon after disbursement because it is common for borrowers to make a mistake when filling out the loan application form, or for circumstances to change between application and the first installment due date. When installment amounts are reduced to the minimum allowed, the repayment schedule lengthens to five years. The intent is not that the loan takes that long to repay, but rather that the installment amounts are increased again when financial circumstances improve, resulting in a repayment period comparable to the original one. Most of the policy decisions at Zidisha are tradeoffs. Offering the flexibility to adjust repayment installments up and down, including making the installments very small during times of hardship, makes full repayment of the loan more likely, minimizes the risk that the obligation to repay will cause harm, and makes it more likely that the loans will have a positive impact on borrowers' lives. We considered that these benefits outweigh the drawbacks of allowing installment amount modifications. Finally, I'd like to apologize for missing your emails. We did not receive any of your messages, and have just discovered them in the spam filter. We'll respond to those right away.