Where do you get "under 50%"? If you're looking at https://www.zidisha.org/statistics https://www.zidisha.org/statistics, you might be confused by Principal

Where do you get "under 50%"? If you're looking at https://www.zidisha.org/statistics https://www.zidisha.org/statistics, you might be confused by Principal repaid: $607,262 (44.9% of amount disbursed) This is for all loans made within the last year, many of which are very recent. You should add the line Principal held by borrowers repaying on time: $581,565 (43.0% of amount disbursed) to get 87.9% either repaid or in good standing.