This couldn't have happened at a better time for me, still no Feb credits - did I miss a post regarding a reason?
Must have, Henry.
Here's Richard's answer to your first question: http://www.kivafriends.org/index.php/topic,3042.msg53053.html#msg53053
The overwhelming majority of repayments are taking place on 15th to 17th. Apart from my already delinquent loans, only few loans are due to make a payment before February 15. They are with these Field Partners:
AN:K and FSMA, for obvious reasons,
Zene za Zene (they hadn't posted loans during December, I believe, so that there was no netting on January 15),
AMK (single loans),
HUMO (1 loan out of many),
and IMON (1 loan out of many).