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Author Topic: Loan expired but not refunded  (Read 1844 times)
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Sasha
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« on: December 19, 2009, 10:45:11 AM »
This is probably a stupid questions, but. . .
I contributed to a loan through Kiva that expired. However, the money that I loaned does not show up as being paid back or refunded on my "loans" page. But, it does not show up as ending in loss either. So, what is going on? If I did indeed make the loan, and it didn't end in loss, then I would expect that it must have been refunded. I made another loan around the same time that was refunded after expiring. Any ideas?
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cjp1973
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« Reply To This #1 on: December 19, 2009, 10:51:55 AM »
Quote from: Sasha on December 19, 2009, 10:45:11 AM
This is probably a stupid questions, but. . .
I contributed to a loan through Kiva that expired. However, the money that I loaned does not show up as being paid back or refunded on my "loans" page. But, it does not show up as ending in loss either. So, what is going on? If I did indeed make the loan, and it didn't end in loss, then I would expect that it must have been refunded. I made another loan around the same time that was refunded after expiring. Any ideas?

Sasha,
Could you include the link of the loan you didn't get the money back for after expiration?
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Sasha
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« Reply To This #2 on: December 19, 2009, 01:08:16 PM »
Here is the link: http://www.kiva.org/app.php?page=businesses&action=about&id=131306
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Jan & John
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« Reply To This #3 on: December 19, 2009, 02:17:15 PM »
Hi Sasha
when I go to the link on Kiva called "my credit"...
I can see the transaction where I purchased a loan and then the expired entry...
This one is from trying to save a loan and they happened on the same day...

Nemat Saidov     $25.00     Dec 14, 2009 5:20pm     Loan Expired     Refunded Loan to Nemat Saidov (id=152555) $25         44.46
Nemat Saidov    ($25.00)    Dec 14, 2009 3:11pm    Loan Purchase    Loan Purchase of $25 to Nemat Saidov (business id=152555)       19.46

Can you go back through your transactions to those dates showing on the loan page Huh?

-jan-

ps - there aren't any stupid question Smiley
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"The place God calls you to is the place where your deepest gladness and the world's deepest hunger meet" - Fredrick Buechner (in Wishful Thinking).
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Jan & John
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« Reply To This #4 on: December 19, 2009, 02:21:35 PM »
Interesting that there is no update journal posted...

even the expired loans usually get a notice posted and an email sent...

have you sent a message to contactus@kiva.org ?

-jan-
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"The place God calls you to is the place where your deepest gladness and the world's deepest hunger meet" - Fredrick Buechner (in Wishful Thinking).
"Every child should be well born, well fed, well taught, well housed and well treated."
Maude Riley, Alberta Council on Child and Family Welfare 1923
"Each of us feels that we are just a drop in the ocean, but the ocean would be less without that missing drop." --Mother Teresa

1 click per person per day on this link means 1 additional cent for the Fistula Foundation - thanks!
YowieFreak
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« Reply To This #5 on: December 19, 2009, 03:08:08 PM »
Quote from: Sasha on December 19, 2009, 10:45:11 AM
This is probably a stupid questions, but. . .
I contributed to a loan through Kiva that expired. However, the money that I loaned does not show up as being paid back or refunded on my "loans" page. But, it does not show up as ending in loss either. So, what is going on? If I did indeed make the loan, and it didn't end in loss, then I would expect that it must have been refunded. I made another loan around the same time that was refunded after expiring. Any ideas?

The "My Portfolio" pages don't treat Expired loans in a very consistent way.  The stats part just completely ignores them, as if you never made a loan.  The "My Loans" selections shows them under "All", but not under any of the other categories.  (At one stage I saw an "Expired" category on the development site, but that never seems to have made it onto the production site.)

We have asked Kiva to fix these things (and other problems in the way expired loans are treated in the API results that 3rd-party developers use), but it seems to be low down on Kiva's priorities list.

Jan's suggestion of sending an email to contactus is probably a good one - it may get the number of emails to the magic 500 where Kiva takes action.
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cjp1973
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« Reply To This #6 on: December 19, 2009, 03:14:01 PM »
Sasha.  I see that the loan that expired, did so on September 30th.  So from your "my portfolio" page, on the left side it shows "my credit".  If you go here and scroll until you find September 30th, see if on that date the loan was refunded to your account.  As Jan pointed out it shows up as Loan expired.
Refunded loans, and expired loans are different.  Refunded loans are done so by the MFI or by Kiva for various reasons, which should be documented on a journal at the bottom of the loan page.  Expired are just that, ones that did not get funded in the 30 days allowed.

Hope this helps and if it isn't there then definately email contactus@kiva.org
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Sasha
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« Reply To This #7 on: December 19, 2009, 06:37:03 PM »
Jan, cjp, YowieFreak,

Thanks for your suggestions. The loan was indeed refunded, as shown in the "My Credit" section (which I had not known of before--thanks). This loan is listed as "Loan Expired", and not "Loan Refund", unlike the other one which actually shows up as refunded under the "My Loans" page. So, this makes sense. Thanks for clarifying this for me.

--Sasha
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Jan & John
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« Reply To This #8 on: December 19, 2009, 07:19:15 PM »
woohoo

 Drinks

and you probably reloaned the credit  Cheesy

way to go... - jan -
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"The place God calls you to is the place where your deepest gladness and the world's deepest hunger meet" - Fredrick Buechner (in Wishful Thinking).
"Every child should be well born, well fed, well taught, well housed and well treated."
Maude Riley, Alberta Council on Child and Family Welfare 1923
"Each of us feels that we are just a drop in the ocean, but the ocean would be less without that missing drop." --Mother Teresa

1 click per person per day on this link means 1 additional cent for the Fistula Foundation - thanks!
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