* "Kiva loan data" - Kiva's API seems to return the 16th of a month instead of the 1st as "Date First Repayment Due". Is there any apparent reason for this or do the engineers simply don't know or care that the Due Date has been shifted forward?
Is that happening on all your loans, or only on the ones prior to Kiva changing to a 1st of the month due date?
* "Loans" - The "Expected Paid Back" today seems to already include what is expected to be returned on the 15th of this month (or am I imagining things?). Is there any reason for this?
It looks like I haven't correctly handled the fact that there is now a period between the previous due date and the next "expected" repayment date.
In the old days we would expect the repayments on the 15th of one month for amounts due on the 15th of the next month, so it was just a case of saying that everything that was due up to the next
due date was currently "expected". Now it appears that I should be saying that that is only the case between the 15th and the end of the month. Between the 1st of the month up until the 14th only the amounts due up to the previous
due date are "expected".
Looks like v2.01 will have to come out soon.
* "Loans" - This is just in case you want to get your spreadsheet's results regarding delinquencies completely in synch with Kiva's database: Kiva uses some sort of minimal rule for determining whether a loan is delinquent (IIRC we asked them to implement this to avoid penny delinquencies boosting the delinquency rate and causing concern), your summary spreadsheet does not (which is OK, I just noticed it today). I currently have 7 such "false positives" (delinquent loans that are not marked "delinquent" by Kiva), in 6 cases due to small amounts underpaid in general (between $0.01 and $0.14, based on the total repayments, between $0.01 and $0.03 regarding my $25-share), in 1 case due to a "penny error in the making" (loan export reports correct repayments, transaction export reports $0.03 missing).
I think it will be almost impossible to match exactly what Kiva does. For instance, if they say that a loan is not delinquent if the repayments are no more than $1.00 behind and a particular loan is $1.01 behind, then some lenders (if there are more than 100 lenders on the loan) may have received 100% of their expected repayments even though Kiva would be showing that the loan is delinquent. And if the loan was only $0.98 behind, but there were only 2 lenders, then each lender could be missing $0.49 while Kiva would be showing the loan isn't delinquent.
Very complicated - so I think I will leave it until we find out exactly
how Kiva determines whether the loan is delinquent. (Which will probably be never