I had a look at the detailed repayment schedule, and I think it's a case of confusion between the mm/dd/yy way of expressing dates (as in the USA) and the dd/mm/yy method (as in Europe and elsewhere)
The February 2014 repayment is shown as built up from payments in consecutive days in Dec 2013:
Dec 2, 2013 $42.02
Dec 3, 2013 $46.32
Dec 4, 2013 $44.85
Dec 5, 2013 $47.66
Dec 6, 2013 $47.80
Dec 7, 2013 $50.61
Dec 8, 2013 $50.94
Dec 9, 2013 $52.57
Dec 10, 2013 $55.39
Dec 11, 2013 $56.02
Dec 12, 2013 $58.83
and similarly for the Feb 2015 payment.
What's likely to have happened is that whoever entered the loan at the Field partner intended to enter the first repayment date as February 12th (2/12/year) but being used to the dd/mm/yy convention entered it instead as 12/2/year resulting in December 2nd. So all the repayments are being made on the 12th of each month, not in consecutive days in December.
What is the actual date of the borrower's first repayment... I'm going to guess February 12th, 2012.
I think this type of date confusion has happened before, so maybe Kiva needs to look at the interface the Field Partners use to upload loans, and see if they can make it clearer to people who are uploading. And maybe have a way of automatically blocking clearly messed up repayment schedules like this one.
P
