That's pretty difficult to surmise given you don't know how much of the interest is for profit vs how much covers risk of defaulters. Arbitrarily, of that $700

That's pretty difficult to surmise given you don't know how much of the interest is for profit vs how much covers risk of defaulters. Arbitrarily, of that $700 turned $3900 loan a non-profit might still need to run it $3500 just to cover all the other loans that they receive nothing from.