In the My loans tab I have 32 loans Paid Back - delinquint which are all full paid. I also hae 5 more that are partially paid and such make sense.
In the Summary tab I see 16 delinquent loans in total, whereof 7 never paid. . .
Possible to explain this - I am happy to send my data if that helps.
Lately, because there have been so many loans on the site and it has therefore taken longer to fund them, there are more and more loans where the first payment is marked as being "due" prior to the first date that could be reasonably expected.
For instance, the
Amanecer Group is shown as having the first repayment due back to lenders on July 1 (based on payments expected to be received by the MFI from the entrepreneur on May 27) but, because the loan still hasn't been funded yet, the earliest date on which Kiva will "bill" the MFI for those payments will now be August 15 with a due date for payment of September 1.
In that case, my spreadsheet will treat the loan as delinquent as soon as it is funded (because the July 1 due date has come and gone without any credits having been returned to the lenders) but Kiva will probably not treat it as delinquent until September 1.
That's a fairly extreme example (two months between stated first due date and realistic first due date), but there will be numerous cases at the moment where there is one month between the two.
One day (maybe for v2.0?) I will put some extra smarts into the spreadsheet to cater for this sort of scenario.
Regards,
Ian
P.S. If that doesn't explain what is happening with your portfolio, send me a PM with the list of all the loans that the spreadsheet is showing as delinquent (they will have their business ids coloured red on the Loans tab) and I will investigate further.
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