Flat interest rate mortgages and loans calculate interest based on the amount of money a borrower receives at the beginning of a loan.
 However, if repayment is scheduled to occur at regular intervals throughout the term, the average amount to which the borrower has access is lower and so the effective or true rate of interest is higher.
 Only if the principal is available in full throughout the loan term does the flat rate equate to the true rate.
 This is the case in the example to the right, where the loan contract is for 400,000 Cambodian riels over 4 months.
 Interest is set at 16,000 riels (4%) a month while principal is due in a single payment "at the end".
Jessica Erin Jackley (born October 29, 1977) is an American entrepreneur.
 She is best known for co-founding Kiva and later ProFounder, two organizations that promote development through microloans.
Findley payments — Under the so-called Findley Provision authorized by the Food Security Act of 1985, P.L. 99-198, (and first sponsored by former Illinois Representative Paul Findley), USDA was able to reduce the basic, formula-set nonrecourse loan rate for major crops by up to an additional 20% if that was necessary to keep the United States competitive in international markets.
 If done, direct compensatory payments were made to producers equal to the amount of the loan rate reduction.
 These Findley Payments, limited to $200,000 per person, essentially added to the larger direct deficiency payment.
 The Findley provisions were superseded by the marketing loan repayment provisions of the 1996 farm bill (P.L. 104-127).
Tension myositis syndrome (TMS), also known as tension myoneural syndrome or mindbody syndrome is a name given by John E. Sarno to a condition he describes as characterized by psychogenic musculoskeletal and nerve symptoms, most notably back pain.
 Sarno, a Professor of Clinical Rehabilitation Medicine at New York University School of Medicine and Attending Physician at The Rusk Institute of Rehabilitation Medicine at New York University Medical Center, has described TMS in four books, and has stated that the condition may be involved in other pain disorders as well.
 The treatment protocol for TMS includes education, writing about emotional issues, resumption of a normal lifestyle and, for some patients, support meetings and/or psychotherapy.
 In 2007, David Schechter (a medical doctor and former student and research assistant of Sarno's) published a peer-reviewed study of TMS treatment showing a 54% success rate for chronic back pain.
 In terms of statistical significance and success rate, the study outperformed similar studies of other psychological interventions for chronic back pain.
Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history.
 It is designed to support entrepreneurship and alleviate poverty.
 Many recipients are illiterate, and therefore unable to complete paperwork required to get conventional loans.
 As of 2009 an estimated 74 million people held microloans that totaled US$38 billion.
 Grameen Bank reports that repayment success rates are between 95 and 98 percent.
Marketing assistance loans are nonrecourse loans made available to producers of loan commodities (wheat, corn, grain sorghum, barley oats, upland and extra-long staple (ELS) cotton, rice, soybeans, other oilseeds, honey, wool, mohair, dry peas, lentils, and small chickpeas) under the 2002 farm bill (P.L. 101-171, Sec. 1201-1205).
 The new law largely continued the commodity loan programs as they were under previous law.
 Loan rate caps are specified in the law.
 Marketing loan repayment provisions apply when market prices drop below the loan rates.
 For farmers who forgo the use of marketing assistance loans, loan deficiency payment (LDP) rules apply (but not for ELS cotton).
In United States agricultural policy, a marketing loan repayment provision is a loan settlement provision, first authorized by the Food Security Act of 1985 (P.L. 99-198), that allowed producers to repay nonrecourse loans at less than the announced loan rates whenever the world price or loan repayment rate for the commodity were less than the loan rate.
 Marketing loan provisions became mandatory for soybeans and other oilseeds, upland cotton, and rice and were permitted for wheat, corn, grain sorghum, barley, oats, and honey under amendments made by the 1990 farm bill (P.L. 101-624).
 The 1996 farm bill (P.L. 104-127) retained the marketing loan provisions for wheat, feed grains, rice, upland cotton, and oilseeds.
 The 2002 farm bill (P.L. CRS-161 101-171, Sec. 1201-1205) continued marketing assistance loans and expanded their application to wool, mohair, dry peas, lentils, and small chickpeas.
A student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses.
 It may differ from other types of loans in that the interest rate may be substantially lower and the repayment schedule may be deferred while the student is still in school.
 It also differs in many countries in the strict laws regulating renegotiating and bankruptcy.
 This article highlights the differences of the student loan system in several major countries.
In finance, a loan is the lending of money from one individual, organization or entity to another individual, organization or entity.
 A loan is a debt provided by an entity (organization or individual) to another entity at an interest rate, and evidenced by a promissory note which specifies, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and date of repayment.
 A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower.
A private student loan is a financing option for higher education in the United States that can supplement, but should not replace, federal loans, such as Stafford loans, Perkins loans and PLUS loans. Private loans, which are heavily advertised, do not have the forbearance and deferral options available with federal loans (which are never advertised).
 In contrast with federal subsidized loans, interest accrues while the student is in college, although repayment may not begin until after graduation.
 While unsubsidized federal loans do have interest charges while the student is studying, private student loan rates are higher, sometimes much higher.
 Fees vary greatly, and legal cases have reported fees reaching 50% of amount of the loan.
 Although traditionally unsecured, these loans are increasingly secured, so that the borrower must offer collateral or a third-party guarantee of repayment.

Question: Kiva is an organization that promotes development through a loan system with a repayment success rate of how much ?
Answer: between 95 and 98 percent