Kiva / KivaFriends collaboration : Scheduled Repayment Estimates Feature

[Guest]

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[cjp1973]

Paul.  Just wanted to say, I looked at the repayment estimates page today and like that it is sorted from smallest number of payments for the loan to largest and you can see what loan payment we should be expecting this month such as 1/1, 1/3, 4/12.

Wondering if we should expect actual repayments to show up during this monthly cycle (December)?

Thanks
Charmaine

[nuclearspike]

Paul.  Just wanted to say, I looked at the repayment estimates page today and like that it is sorted from smallest number of payments for the loan to largest and you can see what loan payment we should be expecting this month such as 1/1, 1/3, 4/12.

Wondering if we should expect actual repayments to show up during this monthly cycle (December)?

Thanks
Charmaine

The loans are listed in descending order of the amount being repaid. If a loan has more repayments, then the amounts are smaller. Reconciliation of actual verses scheduled is planned as a different screen that will allow you to look into the past (and current month).

Paul

[Phoenix42]

Paul, I noticed yesterday that it now does not remove a load from the listing once the final payment has been made, as was observed earlier in the month.
Also, I got a good laugh at the fact that the new graphs are not yet supported in IE.

[David2051]

Hi Paul,

Are the little circles with the pop up estimated amounts new?  That's nice.  In the other new graphs, like in My Portfolio, I noticed that I got little circles, but no numbers pop up.  Is that a feature still in the works for the other graphs?

Are the loan details supposed to show below the month scheduled totals now, rather than beside them?  With a few long loans, when I click on 2011-1 I don't see anything happening.  I clicked on a lot of different months and didn't see any loan details.  When I finally scrolled down I was surprised to find the loans down below.  Maybe I have a cache or cookie problem?

The payment numbers are a nice touch.  1/1, 2/4 etc. I was very surprised to see I actually have an end of term loan.  I was even more surprised to find I have no recollection of making this loan at all...  lol

Thanks!   

[nuclearspike]

Yes, the amounts in the pop-up hints are new on the repayments screen. The reason I didn't have the numbers show up all the time is that for team loan counts, it can actually end up just slightly different from the team stats. $ amount is the same, user count is the same, but since loan count is distinct user-loan counts that when I have the DB summarize by week, if a lender lent once to a borrower, then lends again next week to the same borrower, the DB query saw those as two separate loans even though team stats only show that as one loan. Until I come up with a faster way to exclude that situation (and have the later loan count as part of the initial loan), if I were to expose the numbers in the pop-up, in some teams, it may differ from the team-stats by a loan or two and not having exact numbers displayed hid that issue.

As for the loan amounts showing below rather than beside the totals... could you email me a screen shot of what you mean? The loan detail should be on the right side. If it's not happening that way, it's a bug. Can you give me OS/Browser info? (paul@kiva.org)

Glad you liked the added repayment count column.

Hi Paul,

Are the little circles with the pop up estimated amounts new?  That's nice.  In the other new graphs, like in My Portfolio, I noticed that I got little circles, but no numbers pop up.  Is that a feature still in the works for the other graphs?

Are the loan details supposed to show below the month scheduled totals now, rather than beside them?  With a few long loans, when I click on 2011-1 I don't see anything happening.  I clicked on a lot of different months and didn't see any loan details.  When I finally scrolled down I was surprised to find the loans down below.  Maybe I have a cache or cookie problem?

The payment numbers are a nice touch.  1/1, 2/4 etc. I was very surprised to see I actually have an end of term loan.  I was even more surprised to find I have no recollection of making this loan at all...  lol

Thanks!  

[cjp1973]

I used the repayment feature this month to begin to send each of my loans that completed their loan a note on their loan page.  A great way to easily see who made their final payments!
Thanks.

[nuc]

Hi Paul,

I just found this thread and simply wanted to drop a note of appreciation -- this is a really cool feature!

Thanks
K

[AccountAbility]

I finally got all my repayments posted so that I could analyze where I stood.  This beta has come a long way and here's another THANK YOU to Paul.   

Although I must confess to wanting more tools for what actually happened rather than what is projected to happen-- the projected is usually pretty close to what actually happens.

I only had one full repayment that wasn't projected, because the borrower paid off early.  The link to the loan profile page repayment schedule certainly helped resolve the issue quickly. 

Do you suppose there is enough room to add a column for the total repayment expected (and not just what My Portfolio should expect)?  This would both make these early payoffs easier to resolve and also shine a brighter light on what the borrower is doing rather than on my little piece of loan investment.  I think anything to keep the borrower as the focus is a good thing.

Now if Kiva would just advance the listed expected date by one day we would routinely have actuals and expected in the same month.  (Actually, according to the terms if the monies showed up on the listed expected date they would already be delinquent by one day.)

Dan

[Diane R]

I have really appreciated the "expected repayments" feature on the website and regularly refer to it in ways that I used to do with the spreadsheets pre-PA2. It consolidates my loans which are repaying, and allows me to review them and reconnect with the entrepreneurs in ways I'd been missing for a couple years now. However, I found one inconsistency I thought I'd mention, in case you'd like to look into resolving it.

It seems that when a loan is marked as Defaulted, it does not disappear from the expected repayment stream. It continues to show up until its loan-end date, marked as Delinquent. One example is this loan, which shows up as Delinquent in my expected repayment stream but was defaulted in July 2010.

Thanks again for a very useful addition to the website.

--Diane.