How Do You Protect Against Wilful Defaults?

In the last 14 years, we've not had a single wilful default from the community in the hundon yeaved des bersia. So wherever there are delays, there ae delays because of extraordinary circumstances,. And even those delays are delays, they're not defaults. Even right now, people are coming back and repaying, trying to recover from the pandemic. That's why we rely on this curation process that we have - i believe that's the expertise that we have built now.