@chebra so far it's never happened. I guess in theory everyone could take a hit. But we usually ask for an asset to secure the loan. Also, each pool is a small, member-run organization and new members are recommended and trusted by an existing member. So we're lending to people we know, not random strangers. The consensus process for each loan application includes a lot of discussion about exactly how the loan will be paid, whether we can help reduce the person's cash costs as a group etc
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